Rates
Exchange, savings, deposit and loan rates, published openly. Exchange rates last updated 16 Oct 2026, 10:42 (UTC).
Exchange rates
Against 1 USD| Currency | Mid-market | We sell you | We buy from you | 1 unit in USD |
|---|---|---|---|---|
| AEDUAE dirham | 3.6725 | 3.6431 | 3.7019 | 0.2723 |
| AUDAustralian dollar | 1.5200 | 1.5078 | 1.5322 | 0.6579 |
| CADCanadian dollar | 1.3700 | 1.3590 | 1.3810 | 0.7299 |
| CHFSwiss franc | 0.8800 | 0.8730 | 0.8870 | 1.1364 |
| CNYChinese yuan | 7.2400 | 7.1821 | 7.2979 | 0.1381 |
| EUREuro | 0.9200 | 0.9126 | 0.9274 | 1.0870 |
| GBPPound sterling | 0.7900 | 0.7837 | 0.7963 | 1.2658 |
| HKDHong Kong dollar | 7.8100 | 7.7475 | 7.8725 | 0.1280 |
| INRIndian rupee | 84.15 | 83.48 | 84.82 | 0.0119 |
| JPYJapanese yen | 149.50 | 148.30 | 150.70 | 0.0067 |
| NGNNigerian naira | 1,545.50 | 1,533.14 | 1,557.86 | 0.0006 |
| SGDSingapore dollar | 1.3400 | 1.3293 | 1.3507 | 0.7463 |
| ZARSouth African rand | 17.95 | 17.81 | 18.09 | 0.0557 |
"We sell you" and "We buy from you" include the 0.8% margin on Everyday Checking. Your account's margin may be lower; online banking always shows the exact rate before you confirm.
Savings and account interest
| Account | Annual rate | Paid |
|---|---|---|
| Instant Access SavingsUSD, EUR, GBP, CHF, CAD, AUD, AED, SGD | 3.25% | Monthly |
Variable rates. We'll tell you before a rate goes down.
Fixed deposits
| Deposit | 3 mo | 6 mo | 12 mo | 24 mo | 36 mo | Minimum |
|---|---|---|---|---|---|---|
| Fixed depositEarly break: 1% of the deposit | 3.1% | 3.6% | 4.15% | 4.35% | 4.5% | $1,000.00 |
| Monthly income depositEarly break: 1.5% of the deposit | – | – | 3.9% | 4.1% | 4.25% | $10,000.00 |
Annual rates, fixed for the whole term.
Loans
| Loan | Type | Annual rate from | Amount | Term | Arrangement fee |
|---|---|---|---|---|---|
| Home mortgage | Mortgage | 5.25% | $50,000.00 – $2,000,000.00 | 60–360 months | 0.5% |
| Social impact project financing | Business | 6.75% | $50,000.00 – $3,000,000.00 | 12–120 months | 0.75% |
| Auto loan | Auto | 7.5% | $5,000.00 – $100,000.00 | 12–72 months | 1% |
| Loans and credit | Business | 7.5% | $1,000.00 – $500,000.00 | 6–120 months | 1% |
| Asset-based financing | Business | 8.25% | $50,000.00 – $5,000,000.00 | 12–60 months | 0.75% |
| Infrastructure and public works | Business | 8.75% | $5,000,000.00 – $500,000,000.00 | 12–360 months | 1.25% |
| Working capital financing | Business | 8.9% | $10,000.00 – $1,500,000.00 | 3–24 months | 0.5% |
| Business working capital | Business | 9% | $10,000.00 – $1,000,000.00 | 6–36 months | 1.25% |
| Structured finance | Business | 9.25% | $1,000,000.00 – $100,000,000.00 | 12–360 months | 1.25% |
| Business financing | Business | 9.5% | $25,000.00 – $2,000,000.00 | 12–84 months | 1% |
| Project financing | Business | 9.75% | $500,000.00 – $250,000,000.00 | 12–360 months | 1.25% |
| Underserved niches | Business | 10% | $100,000.00 – $20,000,000.00 | 12–360 months | 1.25% |
| Advanced technology development | Business | 10.5% | $500,000.00 – $50,000,000.00 | 12–360 months | 1.25% |
| Innovative startups | Business | 11.5% | $25,000.00 – $750,000.00 | 12–60 months | 1.5% |
| Personal loan | Personal | 11.9% | $1,000.00 – $50,000.00 | 6–60 months | 1.5% |
| Distressed assets and struggling projects | Business | 12% | $250,000.00 – $50,000,000.00 | 12–360 months | 1.25% |
Rates depend on your circumstances and are confirmed in your loan offer, together with the full repayment schedule.