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The per annum (p.a.) interest rate on your Instant Access Savings will depend on your plan.

The p.a. interest rate will show under your Instant Access Savings balance in-app. You can get more information by tapping 'Info' and viewing the 'Deposit information' document.

Interest is compounded and paid daily. This means you earn 1/365th (or 1/366th in leap years) of the per annum (p.a.) interest rate on your closing balance every day.

The minimum threshold for interest payable is 0.01 in the corresponding savings currency. If net interest after taxes is below 0.01, it accrues until it reaches 0.01, then is paid.

We have the right to change the per annum (p.a.) interest rate. If the rate is decreased, we'll let you know at least 15 days before the change via email.

If the rate is increased, we can make the change immediately and we aren't required to notify you.

For information on notice periods, read our Instant Access Savings Terms.

If you change your plan, your interest rate will change accordingly when the plan change comes into effect.