Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However, the money deposited to such account cannot be withdrawn for a specified period of time (term).

Fixed term savings that put you in control

A Fixed Term Deposit is available in a choice of 19 currencies for a fixed period of time that you choose, to suit your individual requirements.


  • Enjoy our best interest rates
  • Benefit from interest rates that track the market.
  • Choose from a range of 19 global currencies
  • Save in a currency of your choice, that best meets your needs.
  • Save for a fixed term between 1 month and 12 months
  • Enjoy the flexibility of saving for a period of time that you choose.
  • Hassle free reinvestment
  • At the end of the term, your deposit will be automatically renewed for the same period, unless you tell us otherwise.

Interest rates

Compare our range of savings accounts for expats by using ourtool interest tools. Filter and sort to see interest rates in your chosen currency.

Choose from the following currencies
Currency code Currency
AED UAE dirham
AUD Australian dollar
CAD Canadian dollar
CHF Swiss franc
CNY Chinese renminbi
DKK Danish krone
HKD Hong Kong dollar
HUF Hungarian forint
JPY Japanese yen
NOK Norwegian krone
NZD New Zealand dollar
PLN Polish zloty
SEK Swedish krona
SGD Singapore dollar
THB Thai baht
ZAR South African rand

Additional information

Interest is calculated daily and paid at maturity At the end of the term, your deposit will be automatically renewed for the same period, unless you tell us otherwise Charges apply if you make a withdrawal prior to the maturity of your Fixed Term Deposit1


If you’re new to Alto Trust Bank BVI, you’ll need to hold a minimum USD 50,000 or currency equivalent in deposits or investments with us or have a sole minimum salary of USD 100,000 or currency equivalent.

You'll need to maintain a minimum balance of USD 5,000, USD 5,000, EUR 10,000 or USD 10,000 currency equivalent for other currencies.

How to apply

Alto Trust Bank BVI customers

To apply for a Currency Savings Account, simply log on to your existing online banking account and follow the onscreen instructions.

Apply for Account Opening

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