Current Rates & Investment Structures
1. Currency Exchange Rates & Transaction Fees
Base Exchange Rates (GBP Reference)
| Currency | Symbol | Rate per 1 GBP |
|---|---|---|
| Pounds Sterling | GBP (£) | 1.0000 |
| American Dollars | USD ($) | 1.3000 |
| Euro | EUR (€) | 1.1800 |
| Brazilian Real | BRL (R$) | 7.1500 |
| Japanese Yen | JPY (¥) | 205.0000 |
| Turkish Lira | TRY (₺) | 43.0000 |
Note: All currency conversions are subject to transaction limits: Min 300 and Max 5000 of the source currency units per transaction.
Tiered Conversion Fee Structure
| Initial Transaction Amount (Source Units) | Fee Rate (%) |
|---|---|
| Up to 500 | 3.5% |
| Over 500 and up to 1,500 | 2.7% |
| Over 1,500 and up to 2,500 | 2.0% |
| Over 2,500 (up to 5,000 limit) | 1.5% |
Fee Example: Converting 1,000 USD to EUR incurs a 2.7% fee (27 USD). The remaining 973 USD is then converted to EUR via GBP.
2. Savings & Investment Plans Comparison
| Investment Option | Limits (per year / monthly / lump) | Returns (p.a.) | RBSX Fee (p.m.) | Estimated Taxes |
|---|---|---|---|---|
|
Option 1 - Basic Savings Plan Conservative, capital-protected savings model. |
Max Investment: £20,000 / year Min Monthly: £50 Min Lump Sum: N/A |
1.2% to 2.4% | 0.25% | 0% tax on profits. |
|
Option 2 - Savings Plan Plus Moderate growth index tracker with tax allowances. |
Max Investment: £30,000 / year Min Monthly: £50 Min Lump Sum: £300 |
3.0% to 5.5% | 0.30% | 10% tax on accumulated profits exceeding £12,000. |
|
Option 3 - Managed Stock Investments High-growth equities managed portfolio. |
Max Investment: Unlimited Min Monthly: £150 Min Lump Sum: £1,000 |
4.0% to 23.0% | 1.30% |
10% on profits above £12,000; 20% on profits above £40,000. |