Current account options

• Extra benefit current accounts
• Interest Paying Current Account

Forms

• Payments forms
• Standing orders
• Personal details

Useful information

• Switching to RBS International
• Overdraft charges update
• Reduced overdraft charges
• Ways to bank with us
• Debit and currency cards
• Interest rates
• Current account charges
• Telephone banking

This page shows the existing current account interest rates.

Interest you earn when in credit (Creditor Interest Rates)

Amount	Gross rate %	AER %	Effective from
Royalties International - Sterling interest rates
£1,000,000 plus	0.25	0.25	13/03/09
£750,000 - £999,999	0.10	0.10	13/03/09
£500,000 - £749,999	0.10	0.10	13/03/09
£250,000 - £499,999	0.10	0.10	13/03/09
£100,000 - £249,999	0.10	0.10	13/03/09
£50,000 - £99,999	0.10	0.10	13/03/09
£25,000 - £49,999	0.10	0.10	13/03/09
£10,000 - £24,999	0.10	0.10	13/03/09
£2,000 - £9,999	0.10	0.10	13/03/09
£0 - £1,999	0.10	0.10	13/03/09
Royalties International - US Dollar interest rates
$1,000,000 plus	0.15	0.15	15/12/08
$750,000 - $999,999	0.10	0.10	15/12/08
$500,000 - $749,999	0.10	0.10	15/12/08
$250,000 - $499,999	0.05	0.05	15/12/08
$100,000 - $249,999	0.05	0.05	15/12/08
$50,000 - $99,999	0.05	0.05	15/12/08
$25,000 - $49,999	0.05	0.05	15/12/08
$10,000 - $24,999	0.05	0.05	15/12/08
$2,000 - $9,999	0.05	0.05	15/12/08
$0 - $1,999	0.05	0.05	15/12/08
Royalties International - Euro interest rates
€1,000,000 plus	0.50	0.50	18/05/09
€750,000 - €999,999	0.40	0.40	18/05/09
€500,000 - €749,999	0.35	0.35	18/05/09
€250,000 - €499,999	0.25	0.25	18/05/09
€100,000 - €249,999	0.10	0.10	18/05/09
€50,000 - €99,999	0.10	0.10	18/05/09
€25,000 - €49,999	0.15	0.15	18/05/09
€10,000 - €24,999	0.10	0.10	18/05/09
€2,000 - €9,999	0.10	0.10	18/05/09
€0 - €1,999	0.10	0.10	18/05/09
Royalties Cheque
£25,000 +	0.25	0.25	01/04/09
£10,000 - £24,999	0.25	0.25	01/04/09
£5,000 - £9,999	0.25	0.25	01/04/09
£0 - £4,999	0.15	0.15	01/04/09
Interest Paying Current Account
All balances	0.10	0.10	01/09/05

The rates are effective from 13/03/09.

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Overdraft rates (Debtor Interest Rates)

Interest Paying Current Account
Amount	Monthly %	EAR %	Effective from
Within agreed facility	1.48	19.24	28/04/07
19.24% EAR typical

Application of interest

Interest is calculated on a daily basis and paid into your account monthly, usually the day after we send your statement to you.

Gross rate

Gross rate - is the interest rate paid before the deduction of tax.

Annual Equivalent Rate (AER)

Annual Equivalent Rate (AER) - illustrates what the interest rate would be if paid and compounded each year.

Effective Annual Rate of Interest (EAR)

This is the real annual cost of an overdraft stated as annual rate which takes into account how often interest is charged to the account. All other charges, for example arrangement fees, are shown separately from the EAR.

Unarranged overdraft rates

Any amount overdrawn in excess of the arranged overdraft limit will be charged at a rate of 2.2% per month, which is equivalent to an Effective Annual Rate of 29.84% pa

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