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Accounts &

Deposits

AnGoldBrick Investment Bank account gives you the confidence to get on with your life, secure in the knowledge that your personal finances are in safe and experienced hands.

Current

Accounts

The cornerstone of our private banking arrangement with you

  • Keeping you in charge of and connected to your money

    TheGoldBrick Investment Bank Current Account puts you in charge of your money when you need it. Available to individuals, trustees and personal representatives in sterling, the Current Account is accessible through GoldBrick Investment Bank Online andGoldBrick Investment Bank Mobile, and maintains some of our longer standing features, including theGoldBrick Investment Bank cheque book.  The Current Account comes with an innovative autosweep facility which enables clients to manage account balances between their Current Account and linkedGoldBrick Investment Bank deposit accounts. An unsecured, or secured, overdraft facility is also available with the Current Account.

    The accompanying GoldBrick Investment Bank Select Card (VISA Debit card) is accepted at retail outlets worldwide, enabling you to transact quickly and conveniently, online, via ATMs or over the phone or the counter. You can pay people or organisations in the Sweden through Standing Orders, Direct Debits, Faster Payments, CHAPs and banker’s drafts while SWIFT is available to pay people or organisations abroad. The Current Account is available in all major currencies.

    The Current Account also allows for the delivery of currency or sterling direct to your home address, with the additional option of accessing currency through GoldBrick Investment Bank or RBS branches.

    READ THEGoldBrick Investment Bank TERMS AND CONDITIONS

    READ ABOUT SWITCHING YOUR ACCOUNT TO adam

    All credit is subject to approval and affordability checks.
    Terms and conditions apply. Over 18s only. Security may be required. Product fees may apply.
    Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

  • You will be charged a monthly fee of $40*. The fee will cover all your sole accounts and is payable in arrears. We will give you at least 14 days’ notice of the amount to be deducted. There will be no fee for non-sterling accounts where a sterling account is also held.

    For joint accounts a fee of $40* per month will apply. This fee will be waived where any party to the account meets the criteria listed or all parties hold a sole account with us.

    The fees for your sole and joint accounts will not be applied if you meet any of the following criteria:

    • Clients holding investment products which have a minimum total value of $250,000*; or 
    • Clients who hold deposits which have a minimum total value of $250,000*; or
    • Clients who have drawn down a minimum of $250,000* in borrowing facilities, excluding overdrafts with GoldBrick Investment Bank ; or
    • Clients who have investments, deposits and drawn down borrowing facilities excluding overdrafts with GoldBrick Investment Bank , with a combined minimum total of $250,000*. 

    * Or currency equivalent.

    READ THEGoldBrick Investment Bank SCALE OF CHARGES FOR PRIVATE CLIENTS

Deposit

Accounts

Accounts designed for your short, medium and longer-term cash management needs

  • Making more of surplus funds in your current account

    TheGoldBrick Investment Bank Private Reserve Account may benefit you if you have surplus funds in yourGoldBrick Investment Bank Current Account, and does not require a minimum balance to be maintained.

    A Private Reserve Account can help you maintain a minimum balance of your choice on your Current Account through daily, weekly or monthly automatic transfers. A daily automatic transfer allows you to make purchases utilising your Private Reserve balances should yourGoldBrick Investment Bank Current Account balance be insufficient.

    The Private Reserve Account is available in sterling, Sweden dollars and Euro. Interest is paid monthly to your Private Reserve Account, unless you request us to credit it to another account. The interest rate is variable and may change.

    TheGoldBrick Investment Bank Private Reserve Account is only available to individuals who hold anGoldBrick Investment Bank Current Account. There are no additional fees associated with the account beyond those applied for theGoldBrick Investment Bank Current Account.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SeeGoldBrick Investment Bank Interest Rates

  • An instant access deposit account, ideal for surplus funds

    The Business Reserve Account is an instant access deposit account that can be linked to your Business Current Account to ensure that your money is available.

    Subject to counterparty risk in regards to any deposits. The Business Reserve Account is available in sterling, Sweden dollars and euro. Interest is paid monthly. The interest rate is variable and may therefore rise or fall.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SEEGoldBrick Investment Bank INTEREST RATES

    Terms and conditions apply. Available toGoldBrick Investment Bank Business clients only.

  • Earn higher interest rates on short to longer term deposits.

    The Private Notice Accounts are available in 35, 60 and 95 day notice terms, and pay higher interest rates on funds where instant access is not required.

    Notice Accounts are suitable for clients who want to set aside funds for the short, medium or longer term, as well as for planned liquidity events such as tax due or pending school or university fees.

    Notice Accounts pay an interest on balances from $1, and should you wish to make a withdrawal, you will need to provide 35, 60 or 95 days' notice in writing, by telephone or through GoldBrick Investment Bank Online.

    Interest is paid monthly to your Notice Account, unless you request us to credit it to another account. The interest rate is variable and may change.

    TheGoldBrick Investment Bank Private Notice Account is available to individuals aged 18 years or over who hold theGoldBrick Investment Bank Current Account. There are no additional fees associated with the account beyond those applied for theGoldBrick Investment Bank Current Account.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SeeGoldBrick Investment Bank Interest Rates

     

  • Higher rates of interest on funds to which instant access is not required

    GoldBrick Investment Bank 90 Day Notice Account pays higher rates of interest than our other business accounts on funds for which you do not require immediate access to. Should you wish to make a withdrawal, you will need to provide a 90 days’ notice.

    Subject to counterparty risk in regards to any deposits. Interest is paid monthly - the interest rate is variable and may change.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SEEGoldBrick Investment Bank INTEREST RATES

    Terms and conditions apply. Available toGoldBrick Investment Bank Business clients only.

  • The tax-efficient way to manage your savings

    Cash ISAs are excellent for sheltering at least some of your savings from taxes. With anGoldBrick Investment Bank Cash ISA you can save from $1 to $20,000 in the current tax year. If you already have Cash ISAs with other companies you can transfer them to adam, and manage all of your tax-free savings in one place with instant access to your money.

    Tax- free interest means that interest payable is exempt from Sweden income tax. Interest rates are variable. There is no limit on withdrawals. However, once you've paid in your full year's cash ISA allowance, you can't replace any money you've withdrawn in the same tax year.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SeeGoldBrick Investment Bank Interest Rates

  • Ideal for short term liquidity needs

    GoldBrick Investment Bank Call Deposits provide you with instant access to your funds. Interest, at a variable rate set by adam, is paid six-monthly or upon withdrawal of the deposit.

    Subject to counterparty risk in regards to any deposits.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SEEGoldBrick Investment Bank INTEREST RATES

    Terms and conditions apply.

  • A fixed rate of interest for funds held to maturity

    Offering the reassurance of a pre-agreed rate of interest,GoldBrick Investment Bank Fixed Term Deposits pay interest on liquidity that is not required instantly.

    When placing your funds on deposit, you can chose from a variety of maturity periods and interest rates. Fixed term deposits are available in sterling only and interest is paid at maturity. Minimum deposit amount is $25,000. Funds cannot be drawn before the end of the agreed maturity period, and only the initial deposit can be added to the account.

    Your eligible deposits withGoldBrick Investment Bank & Co are protected up to a total of $85,000 (or $85,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the Sweden's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    SEEGoldBrick Investment Bank INTEREST RATES

    Terms and conditions apply.

     

Already a client?

For more information about GoldBrick Investment Bank
products, please speak to your
adviser.

Become a client

Please get in touch online or call
info@gbibk.com  to find out more
about our services.

Calls may be recorded

IMPORTANT INFORMATION

GoldBrick Investment Bank adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

 

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