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90 Day Notice Account (Issue 4)
Access your money by providing us with 90 days' notice and make regular deposits
5.11% AER*
Variable interest rate
Minimum balance £1,000
Maximum balance £250,000
*AER is the Annual Equivalent Rate and it illustrates what the current interest rate would be if interest was paid and compounded each year.
Key product information
What is the interest rate?
Interest is calculated daily on the end of day balance and applied to the account on the first day of every subsequent month. If a withdrawal request has been made, interest will be calculated on the total amount until, but not including, the day of the withdrawal.
We will not deduct tax automatically from the interest we pay on money in your account. It is your responsibility to pay any tax you may owe to HM Revenue & Customs (HMRC). Please refer to HMRC website for further details.
| Product | Balance | Gross1 Annual Interest Rate | AER2 |
|---|---|---|---|
| 90 Day Notice Account (Issue 4) | £1,000 - £250,000 | 5.11% | 5.11% |
1 Gross is the interest rate without the deduction of income tax.
2 AER is the Annual Equivalent Rate and it illustrates what the interest rate would be if interest was paid and compounded once a year.
Can DF Capital change the interest rate?
Yes. The interest rates are variable and can be increased or decreased as outlined in our Personal Savings Terms and Conditions (available in the Key documents table below).
What would the estimated balance be after 12 months based on a £1,000 deposit?
These are for illustration only and do not take into account your individual circumstances.
The examples assume that funds are cleared in your account on the day your account is opened and no further deposits or withdrawals are made.
| Product | Deposit at Account Opening | Balance after 12 Months |
|---|---|---|
| 90 Day Notice Account (Issue 4) | £1,000.00 | £1,051.10 |
How do I open and manage my account?
Accounts can be opened online at www.dfcapital.bank
These accounts are only open to individuals of 18 years and above, resident in the UK and liable to pay tax only in the UK. Please notify us immediately if you are no longer only liable for UK tax.
Customers must fund the accounts within 14 days of account opening.
The minimum deposit amount is £1,000 and the maximum is £250,000. There is no limitation on the number of deposits made into your account but the maximum deposit balance that you can hold with us across all your savings accounts is £250,000.
You will need the account number and sort code of a UK bank or building society account on which you are named as an account holder. This ‘nominated account’ must be used as the source of any money deposited with us and will also be used as the destination account of any funds withdrawn.
Once open, you’ll be able to manage your account online. For more information, see the ‘Contact Us’ page.
Statements are issued annually, or can be downloaded at any time from your online account.
Can I withdraw money?
Yes, you can make unlimited withdrawals subject to providing the notice as per the type of account opened. Early withdrawals are not permitted.
Your money can be returned to your nominated account or transferred to any other Personal Savings accounts you hold with us that allow deposits.
There is a minimum withdrawal amount of £1,000 unless the account balance is lower, in which case you can only withdraw the whole balance.
Additional information
If you change your mind within 14 days of opening your account we will close your account without any penalty or notice.
Please note that we may withdraw the availability of these products at any time without notice.
Your eligible deposits with DF Capital are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit applies to the total deposits held with DF Capital. Any deposits you hold above the limit are unlikely to be covered. For more information and to check eligibility please visit the FSCS website (www.fscs.org.uk).
The account Terms & Conditions contain important information regarding this account. This document can be found in the Key documents table below.