Open an account with RatesNet and complete individual or business onboarding
Invest in the global rates market
4.50% 
11.00% 
4.75% 
6.50% 
10.25% 
4.00% 
3.00% 
22.00% 
7.50% 
15.25% 
5.50% 
9.00% 
25.00% 
7.75% 
14.50% 
14.50% 
4.00% 
10.00% 
-0.10% 
3.75% 
3.35% 
75.00% 
13.75% Selection of Central Bank rates across the world
Challenge
Low or zero bank deposit rates.
Solution:
RatesNet. Many banks worldwide offer significantly higher returns on term deposits
Central Bank rates across the world
Rest of the World
UK / EU / EEA
Selection of worldwide central bank rates
Many countries offer significantly higher interest on deposits in local currency than banks in the United Kingdom and EU.
Capital at risk. No FSCS cover. See Risk Statement and FAQ
How it works
Step 01
Step 02
Fund your account in GBP, USD, EUR and many other currencies. For a full list please click here. (Note: Investing in currencies other than you base currency involves significant FX risk)
Step 03
You can manage your currency cash positions via our easy to use FX interface.
Step 04
Select country, currency, bank and tenor that reflects your term and risk preference.
Step 05
Following your instruction, you receive an email confirmation detailing the particulars of the investment.
Step 06
The matured principal and interest are applied to your RatesNet account. Withdraw, convert funds to another currency or reinvest them.
For individual investors and fund managers
Centralised solution to access higher deposit rates from many qualifying Partner Banks across the globee
Invest in many local currencies as well as in USD, EUR and GBP
Return on investment without the associated cost of setting up local infrastructure
Diversify existing portfolio and enhance currency return via local currency deposit
For Partner Banks
A low-cost solution for attracting deposits
Ability to raise liquidity in multiple currencies
Tap into a new investor base different from domestic or international wholesale markets
Flexible and open to reverse enquiries solution
Capital at risk. No FSCS cover. See Risk Statement and FAQ
Frequently
Asked
Questions
What is RatesNet?
RatesNet is an FCA regulated investment platform which offers customers an opportunity to invest in Loan Notes linked to the performance of term deposits with our Partner Banks across the world.
So… RatesNet a fund, right?
No, RatesNet is not a fund. Each customer has an account on the RatesNet platform (individual or corporate). For each specific investment our customers choose the Partner Bank, currency and term of the investment. Each investment in a term deposit is unique and separate from investments on the platform and each customer is able to many as many investments as is preferable.
Am I able to make multiple investments via the RatesNet platform?
Yes. Our customers are free to choose between multiple currencies if that is your investment preference or stick to the single currency of choice. In cases of investments where the currency of the investment is different from the Base Currency of your portfolio (set via the dashboard) the FX fluctuations will cause the value of the portfolio in your chosen Base Currency to fluctuate in line with the changes between your Base Currency and the currency of the investment.
I am a private investor, am I able to invest through RatesNet?
RatesNet is authorised by the FCA to work with the following types of customers:
– Professional Clients
– Eligible Counterparties
– Retail Clients, provided that they can certify their status as High Net Worth Investor or Sophisticated Investors in accordance with FCA’s Conduct of Business Sourcebook section 4.12.6 and 4.12.7
Registering for a RatesNet account
As a retail customer, you can register for a RatesNet account via the Sign Up button. To pass Anti-Money Laundering checks you will be required to provide proof of identity (a copy of your passport or driving licence) and proof of address (bank statement or utility bill). Once verified, your account will be enabled and you will have full access to the RatesNet platform.
If you are registering on behalf of a legal entity,
please indicate so during the sign up process and we shall get in touch in order to onboard you.
What is the minimum investment amount?
As of September 2022, the minimum amounts for investment are set by our Partner Banks. The minimum will be circa USD2,000, GBP2,000 or EUR2,000 or if investing in other currencies, the equivalent of USD2,000. Other banks will request higher minimum investment thresholds.
What is the investment mechanism? Tell me more about RatesNet Deposit Linked Notes.
You are lending to RatesNet platform’s transaction vehicle called Direct Funding International Ltd (“DFI”) (a company a company registered under the laws of England and Wales (Company No. 10023452). DFI makes your selected investment with your selected Partner Banks and under the terms chosen by you, our customer. Our customers do not have a direct relationship with Partner Banks. All the risks and rewards associated with the investment are passed to the customer via the Loan Note instrument.
Will RatesNet charge me fees?
RatesNet does not charge any fees on the assets on the platform (cash or investment), only a performance fee on the yield generated by the investment. The fee will be different for different currencies.
What happens if the Partner Bank does not repay back the funds?
RatesNet always aims to select financial institutions with solid local reputation and balance sheets to cooperate with as a Partner Bank. In the event that a Partner Bank goes into administration or is unable to repay the funds for the reasons of currency transfer restrictions of currency convertibility restrictions, RatesNet will work with the Partner Bank or (in case of the Partner Bank being in administration) with the Administrator of such bank in order to aim to realise the maximum possible recovery for our customers in this process. In this instance, the value of the Loan Note on your balance will be written down to zero but any subsequent recoveries will be repaid directly into our customer’s RatesNet account (including currency conversion if required).
If I invest in RatesNet Deposit Linked Notes tied to a term deposit in a particular bank, do I become a customer of the bank?
No. Our customer’s do not have a direct relationship with the Partner Banks that RatesNet features on our Platform.
Can the value of my Notes change?
The performance of your RatesNet investment is tied to a corresponding term deposit placed with your chosen Partner Bank. Unlike bonds which may trade up or down on public exchanges, the value of an investment tied to a term deposit remains at the notional amount invested (in the ordinary course of business). In other words, if you had placed USD50,000, the value of your instrument in USD will remain at USD50,000 provided that the Partner Bank is performing its obligations and has not entered into administration and is not subject to any country related currency convertibility or currency transferability restrictions.
Who are IFX Payments and what is their role?
IFX Payments is RatesNet’s partner for the provision of electronic payment services and the holding of uninvested client funds. Uninvested client funds are held in named client accounts and in accordance with FCA’s CASS regulations whereby customer funds are held separately from the funds of the firm itself.
IFX (UK) Ltd (company number: 05422718), trading as IFX Payments, is authorised by the
Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 900517) for the issuing of electronic money.
I have further questions for the RatesNet Team
We are at your disposal. Feel free to reach out to us with any questions on team@ratesnet.com or on +44 208 080 3150.