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Fixed term deposit accounts offer the ability to set a rate of interest for a defined period. They can be one of the lowest risk, yet most useful elements of a well-structured portfolio. At any time during its term, you know exactly how much interest you are earning and when your capital will be repaid.

Fixed term deposit accounts can normally be arranged for any period, from one month to one year, with interest calculated daily and credited upon maturity. Deposits longer than this term may be made by arrangement. For Isle of Man and Jersey office accountholders only: all interest is credited gross without the deduction of any income tax.

Fixed term deposit accounts can be opened in any major currency to match or complement your Focus current account, including sterling, US dollars and euro. The minimum opening deposit is dependent upon the currency of the account; for the leading world currencies this is £50,000, €75,000 or US$75,000.

At maturity we will automatically reinvest your monies for a similar period, on terms available at that time. Alternatively, upon request, we will repay the funds to your Focus current account in the currency of your choice.

Our fixed term deposit accounts pay a competitive rate of interest. Indicative interest rates are available to view online.