Sapphire Accounts

for personal clients

Our Sapphire Accounts enables personal customers to take advantage of competitive interest rates combined with greater flexibility than a fixed term bond.
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Raphaels offers a range of deposit accounts to suit most requirements, with options for a fixed term notice period of 6 or 12 months for withdrawals:

Sapphire Account

• Choose a written notice period of either 6 or 12 months for withdrawals
• Minimum initial deposit £5,000, maximum balance £250,000 plus interest
• Additional deposits allowed at any time, up to the maximum balance
• Interest paid annually on 30th November
• One withdrawal of up to 10% of the account balance in any 12-month period allowed without notice or penalty

Apply for a Sapphire Account (pdf)
Terms and Conditions Sapphire Account

We currently pay interest on our Sapphire Accounts for personal customers at our published rates.