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3 months Fixed Deposit Account

Published at 2026-05-13

Amount	GBP Gross	GBP AER	USD Gross	USD AER	EUR Gross	EUR AER
0 - 2499	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2500 - 4999	0.20%	0.20%	0.00%	0.00%	0.00%	0.00%
5 000 - 9 999	0.25%	0.25%	0.00%	0.00%	0.00%	0.00%
10 000 - 24 999	2.00%	2.02%	1.05%	1.06%	0.25%	0.25%
25 000 - 49 999	2.85%	2.89%	1.50%	1.51%	0.40%	0.40%
50 000 - 99 999	2.85%	2.89%	2.75%	2.78%	0.75%	0.75%
100 000 - 249 999	2.85%	2.89%	2.75%	2.78%	0.75%	0.75%
250 000+	2.90%	2.94%	2.75%	2.78%	0.75%	0.75%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
The bank reserves the right to change the features and rates of any product at any time.
Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.
AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.
Early withdrawal on the Fixed Deposit Account and 32 Day Notice Account will attract penalty fees as determined by FNB Channel Islands. These penalty fees may reduce your capital amount.

6 months Fixed Deposit Account

Published at 2026-05-13

Amount	GBP Gross	GBP AER	USD Gross	USD AER	EUR Gross	EUR AER
0 - 2499	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2500 - 4999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
5 000 - 9 999	0.30%	0.30%	0.00%	0.00%	0.00%	0.00%
10 000 - 24 999	2.20%	2.22%	1.15%	1.16%	0.40%	0.40%
25 000 - 49 999	3.00%	3.04%	2.60%	2.63%	0.55%	0.55%
50 000 - 99 999	3.05%	3.09%	2.70%	2.73%	0.70%	0.70%
100 000 - 249 999	3.05%	3.09%	2.85%	2.89%	0.75%	0.75%
250 000+	3.10%	3.14%	2.90%	2.94%	0.75%	0.75%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
The bank reserves the right to change the features and rates of any product at any time.
Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.
AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.
Early withdrawal on the Fixed Deposit Account and 32 Day Notice Account will attract penalty fees as determined by FNB Channel Islands. These penalty fees may reduce your capital amount.

12 months Fixed Deposit Account

Published at 2026-05-13

Amount	GBP Gross	GBP AER	USD Gross	USD AER	EUR Gross	EUR AER
0 - 2499	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2500 - 4999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
5 000 - 9 999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
10 000 - 24 999	2.55%	2.58%	2.45%	2.48%	0.70%	0.70%
25 000 - 49 999	2.70%	2.73%	2.50%	2.53%	0.75%	0.75%
50 000 - 99 999	2.80%	2.84%	2.60%	2.63%	0.90%	0.90%
100 000 - 249 999	2.85%	2.89%	2.60%	2.63%	0.95%	0.95%
250 000+	2.90%	2.94%	2.80%	2.84%	0.95%	0.95%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
The bank reserves the right to change the features and rates of any product at any time.
Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.
AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.
Early withdrawal on the Fixed Deposit Account and 32 Day Notice Account will attract penalty fees as determined by FNB Channel Islands. These penalty fees may reduce your capital amount.

18 months Fixed Deposit Account

Published at 2026-05-13

Amount	GBP Gross	GBP AER	USD Gross	USD AER	EUR Gross	EUR AER
0 - 2499	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2500 - 4999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
5 000 - 9 999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
10 000 - 24 999	1.95%	1.97%	1.70%	1.71%	0.00%	0.00%
25 000 - 49 999	2.00%	2.02%	1.85%	1.87%	0.00%	0.00%
50 000 - 99 999	2.05%	2.07%	1.90%	1.92%	0.00%	0.00%
100 000 - 249 999	2.10%	2.12%	1.90%	1.92%	0.00%	0.00%
250 000+	2.20%	2.22%	1.95%	1.97%	0.00%	0.00%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
The bank reserves the right to change the features and rates of any product at any time.
Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.
AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.
Early withdrawal on the Fixed Deposit Account and 32 Day Notice Account will attract penalty fees as determined by FNB Channel Islands. These penalty fees may reduce your capital amount.

24 months Fixed Deposit Account

Published at 2026-05-13

Amount	GBP Gross	GBP AER	USD Gross	USD AER	EUR Gross	EUR AER
0 - 2499	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2500 - 4999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
5 000 - 9 999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
10 000 - 24 999	1.70%	1.71%	1.65%	1.66%	0.00%	0.00%
25 000 - 49 999	2.00%	2.02%	1.70%	1.71%	0.00%	0.00%
50 000 - 99 999	2.05%	2.07%	1.75%	1.76%	0.00%	0.00%
100 000 - 249 999	2.15%	2.17%	1.80%	1.81%	0.00%	0.00%
250 000+	2.25%	2.27%	1.85%	1.87%	0.00%	0.00%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
The bank reserves the right to change the features and rates of any product at any time.
Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.
AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.
Early withdrawal on the Fixed Deposit Account and 32 Day Notice Account will attract penalty fees as determined by FNB Channel Islands. These penalty fees may reduce your capital amount.

36 months Fixed Deposit Account

Published at 2026-05-13

Amount	GBP Gross	GBP AER	USD Gross	USD AER	EUR Gross	EUR AER
0 - 2499	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2500 - 4999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
5 000 - 9 999	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
10 000 - 24 999	2.20%	2.22%	2.35%	2.38%	0.00%	0.00%
25 000 - 49 999	2.20%	2.22%	2.35%	2.38%	0.00%	0.00%
50 000 - 99 999	2.20%	2.22%	2.35%	2.38%	0.00%	0.00%
100 000 - 249 999	2.25%	2.27%	2.40%	2.43%	0.00%	0.00%
250 000+	2.25%	2.27%	2.40%	2.43%	0.00%	0.00%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.
Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.
The bank reserves the right to change the features and rates of any product at any time.
Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.
AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.
Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.
Early withdrawal on the Fixed Deposit Account and 32 Day Notice Account will attract penalty fees as determined by FNB Channel Islands. These penalty fees may reduce your capital amount.

Documents needed

Completed application form
South African ID (SA citizens only) or a passport
Proof of residence (not older than 3 months)
Source of funds/wealth

View pdf document for details on documents needed

Account application forms

Personal application form

Additional account application form

Qualifying criteria

Clients must be over the age of 18 and either reside in or originate from South Africa, Botswana, Namibia, Zambia or the Channel Islands.

Channel Islands residents

Channel Islands residents must have a minimum net asset value of £250,000.

Namibia, Botswana and Zambia residents

Clients residing in Namibia, Botswana and Zambia must have a qualifying retail banking relationship.

Other jurisdictions

Clients who originate from the above countries but currently reside outside them must have a qualifying retail or investment banking relationship with FirstRand at the time of application. This excludes individuals who solely hold a Non-Resident bank account with FirstRand and are not from South Africa, Botswana, Namibia, Zambia or the Channel Islands. These individuals cannot be added as joint account holders on eligible clients' accounts.

Fixed Deposit Account

Fixed interest rate over a fixed period

Enjoy competitive interest rates over a 3, 6, 12, 18, 24 or 36 month period. This savings account is fixed for a chosen period with funds accessible at maturity. The account is also available in a joint capacity.

View product guide

Access after a fixed period

Applying made easy

Fixed Deposit Account

Ideal for longer term savings

Choose your term

3, 6, 12, 18, 24 and 36 months fixed terms are available

Choose your currency

Available in GBP(£), USD($) and EUR(€).

Greater returns

Market leading interest rates offered across savings products.

Joint capacity

Benefit from the ability to earn higher interest with cumulative balances held jointly in a single savings account.

Access after a fixed period

If you would like more information on our current rates, please contact our service suite. For further information on our current Guernsey rates, please contact our Guernsey relationship managers.

No additional deposits or withdrawals available during the fixed term.

*Please refer to rates and pricing table

Applying made easy

Fixed Deposit Account

Qualifying criteria

Clients must be over the age of 18 and either reside in or originate from South Africa, Botswana, Namibia, Zambia or the Channel Islands.

Channel Islands residents

Channel Islands residents must have a minimum net asset value of £250,000.

Namibia, Botswana and Zambia residents

Clients residing in Namibia, Botswana and Zambia must have a qualifying retail banking relationship.

Other jurisdictions

Clients who originate from the above countries but currently reside outside them must have a qualifying retail or investment banking relationship with FirstRand at the time of application. This excludes individuals who solely hold a Non-Resident bank account with FirstRand and are not from South Africa, Botswana, Namibia, Zambia or the Channel Islands. These individuals cannot be added as joint account holders on eligible clients' accounts.

Call me back

Qualifying criteria

Documents needed

Contact your Private Banker or Relationship Manager

Documents needed

Completed application form
South African ID (SA citizens only) or a passport
Proof of residence (not older than 3 months)
Source of funds/wealth

View pdf document for details on documents needed

Account application forms

Personal application form

Additional account application form

Terms and conditions apply

FirstRand Bank Limited Guernsey Branch trading as FNB Channel Islands is regulated by The Guernsey Financial
Services Commissionand licensed under The Banking Supervision (Bailiwick of Guernsey) Law, 2020

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