{"id":4302,"date":"2025-11-20T17:29:30","date_gmt":"2025-11-20T17:29:30","guid":{"rendered":"https:\/\/www.wealthtime.com\/investors\/?page_id=4302"},"modified":"2026-04-10T15:13:16","modified_gmt":"2026-04-10T15:13:16","slug":"our-charges-and-pricing","status":"publish","type":"page","link":"https:\/\/www.wealthtime.com\/investors\/our-charges-and-pricing\/","title":{"rendered":"Our charges\u00a0and pricing"},"content":{"rendered":"\n<section id=\"hero-block_9b7ea7e8a83d249ef7768cd0cf697943\" class=\"hero black\">\n\n  \n    <div class=\"slider\" id=\"slider-block_9b7ea7e8a83d249ef7768cd0cf697943\">\n\n      <div class=\"slider-wrapper\">\n\n        \n        \n          <div class=\"slide\" data-slide-index=\"1\" data-slide-active=\"true\">\n\n            \n\n  <img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1.jpg\" class=\"hero-image\" alt=\"row full-width hero\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1.jpg 1920w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1-300x169.jpg 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1-1024x576.jpg 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1-768x432.jpg 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1-1536x864.jpg 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1-640x360.jpg 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/supergraphic-8-1-1920x1080-1-1200x675.jpg 1200w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\n\n<div class=\"grid content body-push center-aligned \">\n\n  <div class=\"content-wrap\">\n\n    <div class=\"wrap-inner\">\n\n      <p class=\"label\">Keeping our charges simple and transparent<\/p>\n\n      \n        <h1 class=\"hero-title\">Our charges\u00a0and pricing<\/h1>\n\n      \n      \n      \n      \n      \n    <\/div>\n\n    \n  <\/div>\n\n  \n<\/div>\n          <\/div>\n\n          \n                \n      <\/div>\n\n      \n    <\/div>\n\n    \n<\/section>\n\n\n\n\n  <section class=\"page-menu\" id=\"page-menu\">\n\n    <div class=\"nav-wrapper-outer\" id=\"nav-wrapper-outer\">\n\n      <div class=\"body-push row\">\n        \n        <div class=\"nav-wrapper\" id=\"nav-wrapper-inner\">\n          <!-- Menu goes here -->\n          <ul id=\"page-nav\"><\/ul>\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n  <\/section>\n\n\n\n\n<section id=\"signposts-block_8477a0d306b25fd7ca20875f468b5c38\" class=\" signposts bg-pattern-1 \" id=\"signposts-block_8477a0d306b25fd7ca20875f468b5c38\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <h2><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">At Wealthtime, we keep our charges simple, making it easier\u00a0<\/span><span class=\"NormalTextRun SCXW95144086 BCX0\">to understand the cost of your investments<\/span><span class=\"NormalTextRun SCXW95144086 BCX0\">.<\/span><\/span><\/h2>\n<h3><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">Here\u00a0<\/span><span class=\"NormalTextRun SCXW95144086 BCX0\">you\u2019ll<\/span><span class=\"NormalTextRun SCXW95144086 BCX0\">\u00a0find details on our\u00a0<\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW95144086 BCX0\"><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">platform\u00a0<\/span><\/span><\/span><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">charges, your cash account<\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW95144086 BCX0\"><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">\u00a0fees<\/span><\/span><\/span><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">\u00a0and a helpful guide explaining how platform charges work<\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW95144086 BCX0\"><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">\u00a0for us and the wider\u00a0<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW95144086 BCX0\"><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">platform market<\/span><\/span><\/span><span class=\"TextRun SCXW95144086 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW95144086 BCX0\">.<\/span><\/span><\/h3>\n\n                    <\/div>\n\n                \n                        \n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"283\" height=\"283\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Top-up_GREEN.svg\" class=\"attachment-small size-small\" alt=\"signpost row\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_ed5a61387f362972c1ccebb2800a06ba\" class=\" signposts white \" id=\"signposts-block_ed5a61387f362972c1ccebb2800a06ba\" data-anchor-text=\"Understanding platform charges\" data-anchor-link=\"Understanding-platform-charges\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Understanding platform charges<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span data-contrast=\"auto\">Before you <\/span><span data-contrast=\"auto\">learn more about our charges, you might want to read\u00a0<\/span><span data-contrast=\"auto\">this guide<\/span><span data-contrast=\"auto\">. We\u2019ve teamed up with the UK Platform Group to help customers understand platform charges and how they work. In this guide we explain the different types of charges, what they cover, and what they may be called across different platform providers.<\/span><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2023\/11\/WT-Understanding-Charging-Factsheet-0923-1.pdf\" target=\"_self\" class=\"button black\">Download guide<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges.png 2084w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Understanding-charges-1920x1920.png 1920w\" sizes=\"auto, (max-width: 2084px) 100vw, 2084px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_ea7482d606fbd420a8e8e869a8af5fc9\" class=\" signposts light-gray \" id=\"signposts-block_ea7482d606fbd420a8e8e869a8af5fc9\" data-anchor-text=\"Charges schedule\" data-anchor-link=\"Charges-schedule\">\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid reverse-layout layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Charges schedule<\/h2>\n\n                \n                \n                    <div class=\"content\" data-animate-on-scroll='fade-up'>\n\n                        <p><span data-contrast=\"auto\">Our charges schedule\u00a0<\/span><span data-contrast=\"auto\">sets out\u00a0<\/span><span data-contrast=\"auto\">the\u00a0<\/span><span data-contrast=\"auto\">different types\u00a0of\u00a0<\/span><span data-contrast=\"auto\">charges that can apply when\u00a0<\/span><span data-contrast=\"auto\">you invest\u00a0<\/span><span data-contrast=\"auto\">with us.\u00a0<\/span><span data-contrast=\"auto\">It includes details on our platform charges, interest on cash, as well as\u00a0<\/span><span data-contrast=\"auto\">any other<\/span><span data-contrast=\"auto\">\u00a0costs.\u00a0<\/span><span data-contrast=\"auto\">Adviser charges are<\/span><span data-contrast=\"auto\">\u00a0separate to our charges and are agreed<\/span><span data-contrast=\"auto\"> between you and your adviser.<\/span><\/p>\n\n                    <\/div>\n\n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/investors\/documents\/charges-schedule\/\" target=\"_self\" class=\"button black\">View charges schedule<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n                <div class=\"col-2\">\n\n                    <div class=\"image\" data-animate-on-scroll='fade-in'>\n\n                        <img loading=\"lazy\" decoding=\"async\" width=\"2084\" height=\"2084\" src=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule.png\" class=\"attachment-small size-small\" alt=\"signpost row\" srcset=\"https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule.png 2084w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-300x300.png 300w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1024x1024.png 1024w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-150x150.png 150w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-768x768.png 768w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1536x1536.png 1536w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-2048x2048.png 2048w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-640x640.png 640w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1200x1200.png 1200w, https:\/\/www.wealthtime.com\/wp-content\/uploads\/sites\/4\/2025\/11\/Charges-Web-page-icons_Charges-schedule-1920x1920.png 1920w\" sizes=\"auto, (max-width: 2084px) 100vw, 2084px\" \/>\n                    <\/div>\n            \n                <\/div>\n                \n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>\n\n\n<section id=\"accordion-block_7adcb5d0b0930d078f58276e01e144a0\" class=\"accordion white\" data-anchor-text=\"Your cash account\" data-anchor-link=\"Your-cash-account\">\n   \n  <div class=\"row content body-push\">\n\n    <div class=\"grid\">\n\n      <div class=\"content\">\n\n        \n        \n          <h2 class=\"section-title\">Your cash account<\/h2>\n\n        \n        \n          <div class=\"description\">\n\n            <p><span data-contrast=\"auto\">Each of your accounts with us includes a cash facility.\u00a0You\u2019ll\u00a0need to\u00a0keep 2% of your total funds on our platform in cash, ready to be used for fees or withdrawals.\u00a0We\u00a0receive\u00a0interest from our banking partners on the amount held in your\u00a0cash\u00a0account\u00a0and we\u00a0pass some of this on to you, by adding it to your\u00a0cash\u00a0account.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><strong>Learn more about how we look after your money.<\/strong><\/p>\n\n          <\/div>\n\n        \n      <\/div>\n\n    <\/div>\n\n    \n\n    \n    \n      \n      \n        <div class=\"accordion\"> \n\n          \n            \n  <div class=\"accordion-item  icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-0\" aria-expanded=\"false\" aira-controls=\"tab-0\" aria-disabled=\"false\">\n          \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">How we look after your money<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-0\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p><span data-contrast=\"auto\">We\u2019re\u00a0authorised and regulated by the Financial Conduct Authority (FCA). As part of this, we must have certain safeguards in place. The money and assets belonging to investors is\u00a0ring-fenced and\u00a0kept separate from our company\u2019s money. This means that in the unlikely event of our company failing, your money would be protected and safe from claims by creditors.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Any uninvested cash is held in client money accounts with our banking partners. We carefully select which banks we work with \u2013 carrying out due diligence checks on elements including financial strength and reputation. We assess our relationships with these banks on an ongoing basis to ensure your money is appropriately protected.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Spreading client money across several banks, rather than just using one, reduces exposure to any one institution. It also lessens the risk of cash being unavailable if any of the banks were to have technical problems. The Financial Services Compensation Scheme (FSCS) means that you may be entitled to compensation of up to \u00a3120,000 per person, per authorised firm. Diversifying where we place client money means you may be covered for a larger amount than if we were to place all your money with one bank. However, this does depend on how much cash you hold, and how much is with each bank. Client money isn\u2019t distributed equally across the banks and the amounts with each change regularly. And as the limit is per person, the \u00a3120,000 amount would include anything you held with the bank already.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Learn more about the FSCS here:\u202f<\/span><a href=\"http:\/\/www.fscs.org.uk\/\"><span data-contrast=\"none\">www.fscs.org.uk<\/span><\/a><\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-1\" aria-expanded=\"false\" aira-controls=\"tab-1\" aria-disabled=\"false\">\n          \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Interest on cash<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-1\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p><span data-contrast=\"auto\">\u25aa<\/span><span data-contrast=\"auto\">\u00a0You need to hold 2% of the value of your invested funds in your Cash Account. We take charges from this amount. So, for example, if your portfolio on our platform is valued at \u00a3100,000, \u00a32,000 will be held in your Cash Account.<\/span><\/p>\n<p><span data-contrast=\"auto\">\u25aa<\/span><span data-contrast=\"auto\">\u00a0We\u2019ll receive interest from our banking partners on the amount held in your Cash Account. We\u2019ll pass some of this on to you, by adding it to your Cash Account.<\/span><\/p>\n<p><span data-contrast=\"auto\">\u25aa<\/span><span data-contrast=\"auto\">\u00a0For example, if we receive 5% as interest on your Cash Account,\u00a0we\u2019ll\u00a0retain\u00a03% and add 2% to your Cash Account. So, if your Cash Account holds \u00a32,000, over a year\u00a0we\u2019d\u00a0receive \u00a3100, of which we\u00a0retain\u00a0\u00a360 and add \u00a340 into your Cash Account.<\/span><\/p>\n<p><span data-contrast=\"auto\">\u25aa<\/span><span data-contrast=\"auto\">\u00a0As interest rates change, the amount of interest we receive and pass on to you may be different in the future.<\/span><\/p>\n<p><span data-contrast=\"auto\">\u25aa<\/span><span data-contrast=\"auto\">\u00a0We use the interest we\u00a0retain\u00a0to invest in our platform to deliver good customer outcomes.<\/span><\/p>\n<p><span data-contrast=\"auto\">\u25aa<\/span><span data-contrast=\"auto\"> We will not take our Annual Platform Charge on the value of any cash held in your Cash Account.<\/span><\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n            \n  <div class=\"accordion-item  icon-size\" data-animate-on-scroll=\"fade-up\">\n\n    <div class=\"accordion-top-half\"> \n\n      \n        <h3 class=\"accordion-title\">\n          \n          <button class=\"accordion-button grid inactive\" id=\"button-2\" aria-expanded=\"false\" aira-controls=\"tab-2\" aria-disabled=\"false\">\n          \n              \n              \n                <div class=\"accordion-title-wrapper\">\n\n                            \n                      <h3 class=\"accordion-title\">Interest rates<\/h3>\n            \n                  \n                  \n                <\/div>\n\n              \n          <\/button>\n        \n        <\/h3>\n\n          \n    <\/div>\n\n    \n      <div class=\"accordion-panel panel-closed\" id=\"tab-2\">\n      \n        <div class=\"grid\">\n\n          <span class=\"accordion-content\">\n\n            <p><em><strong>We\u2019ve changed how we deal with interest on client accounts. The interest rate applied to client cash deposits will now be updated monthly, rather than quarterly. This is to reflect changes more closely in the base rate and to be more in line with those rates currently available in the market.<\/strong><\/em><\/p>\n<p><span data-contrast=\"auto\">The table below shows the amount of interest we\u2019ve received, retained and added to Cash Accounts in percentage terms, over the previous year. It also shows how much this would have been in monetary terms, if you had held \u00a32,000 in your Cash Account over the year. These rates are informed by the HSBC savings rate and as such can change without notice.<\/span><\/p>\n<p><!--EndFragment --><\/p>\n<table style=\"height: 357px;\" border=\"1\" width=\"1153\">\n<tbody>\n<tr>\n<td width=\"100\"><strong>Period<\/strong><\/td>\n<td width=\"150\"><strong>Interest we would have received<\/strong><\/td>\n<td width=\"150\"><strong>Interest we would have retained<\/strong><\/td>\n<td width=\"200\"><strong>Interest we would have added to Cash Accounts<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 July 24 &#8211; 30 Sep 24<\/td>\n<td width=\"150\">5.17% (\u00a3103)<\/td>\n<td width=\"150\">3.19% (\u00a363)<\/td>\n<td width=\"250\">1.98% (\u00a340)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Oct 24 &#8211; 31 Dec 24<\/td>\n<td width=\"150\">4.91% (\u00a398)<\/td>\n<td width=\"150\">2.93% (\u00a359)<\/td>\n<td width=\"250\">1.98% (\u00a340)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Jan 25 &#8211; 31 Mar 25<\/td>\n<td width=\"150\">4.55% (\u00a391)<\/td>\n<td width=\"150\">2.81% (\u00a356)<\/td>\n<td width=\"250\">1.74% (\u00a335)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Apr 25 &#8211; 30 Jun 25<\/td>\n<td width=\"150\">4.36% (\u00a387)<\/td>\n<td width=\"150\">2.87% (\u00a357)<\/td>\n<td width=\"250\">1.49% (\u00a330)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Jul 25 &#8211; 30 Sep 25<\/td>\n<td width=\"150\">4.17% (\u00a383)<\/td>\n<td width=\"150\">2.83% (\u00a357)<\/td>\n<td width=\"250\">1.34% (\u00a327)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Oct 25 &#8211; 31 Oct 25<\/td>\n<td width=\"150\">4.15% (\u00a383)<\/td>\n<td width=\"150\">2.86% (\u00a357)<\/td>\n<td width=\"250\">1.29% (\u00a326)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Nov 25 &#8211; 30 Nov 25<\/td>\n<td width=\"150\">3.98% (\u00a380)<\/td>\n<td width=\"150\">2.84% (\u00a357)<\/td>\n<td width=\"250\">1.14% (\u00a323)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Dec 25 &#8211; 31 Dec 25<\/td>\n<td width=\"150\">4.00% (\u00a380)<\/td>\n<td width=\"150\">2.86% (\u00a357)<\/td>\n<td width=\"250\">1.14% (\u00a323)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Jan 26 &#8211; 31 Jan 26<\/td>\n<td width=\"150\">3.87% (\u00a377)<\/td>\n<td width=\"150\">2.73% (\u00a355)<\/td>\n<td width=\"250\">1.14% (\u00a323)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Feb 26 &#8211; 28 Feb 26<\/td>\n<td width=\"150\">3.75% (\u00a375)<\/td>\n<td width=\"150\">2.61% (\u00a352)<\/td>\n<td width=\"250\">1.14% (\u00a323)<\/td>\n<\/tr>\n<tr>\n<td width=\"100\">01 Mar 26 &#8211; 31 Mar 26<\/td>\n<td width=\"150\">3.77% (\u00a375)<\/td>\n<td width=\"150\">2.73% (\u00a355)<\/td>\n<td width=\"250\">1.04% (\u00a321)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: inherit;\" data-contrast=\"auto\">Note: These figures have been rounded.<\/span><span style=\"font-size: inherit;\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Interest will be payable monthly in arrears and will be paid on the 15th of the month or the next available working day, for example, interest\u00a0accrued\u00a0in October 2025 will be paid on 15 November 2025.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\n          <\/span>\n\n        <\/div>\n      \n      <\/div>\n      \n    \n    <\/div>\n\n\n            \n          \n      <\/div>  \n        \n      \n      \n  \n  <\/div>\n\n<\/section>\n\n\n<section id=\"signposts-block_8632d70e6fe0d26a1caec38f83e75e16\" class=\" signposts light-gray \" id=\"signposts-block_8632d70e6fe0d26a1caec38f83e75e16\"  >\n\n    <div class=\"body-push row\">\n\n        <div class=\"grid  layout-75-35\">\n\n            <div class=\"col-1\">\n                \n                                     \n                    <h2 class=\"section-title\">Want to talk to us about our charges?<\/h2>\n\n                \n                \n                        \n                    \n                        <div class=\"button-wrapper\">\n\n\n                            <a href=\"https:\/\/www.wealthtime.com\/investors\/contact\/\" target=\"_self\" class=\"button black\">Contact us<\/a>\n                    \n                        <\/div>\n\n                    \n                \n            <\/div>\n\n            \n        <\/div>\n\n            \n\n\n        \n\n        \n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":26,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4302","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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