Published, not negotiated
Everyone pays the rates below. There is no introductory year, no renewal uplift, and no discount for asking. If a figure changes, holders are told ninety days before it applies.
The full fee schedule
Charged on top of box rental. The reserve charge and insurance premium both scale with what you actually hold, so an empty box costs almost nothing beyond its rent.
Reserve rates by asset class
| Asset class | Reserve rate | Insurance rate | Handling | Appraisal |
|---|---|---|---|---|
| Bullion and precious metals | 1.25% | 0.35% | £45 | Every 12 months |
| Jewellery and gemstones | 1.75% | 0.55% | £0 | Every 24 months |
| Deeds and instruments | 0.4% | 0.1% | £0 | Not required |
| Horology | 1.6% | 0.5% | £55 | Every 24 months |
| Coins and medals | 1.4% | 0.4% | £40 | Every 36 months |
| Fine art and objects | 2.1% | 0.75% | £0 | Every 36 months |
| Key custody | 0.85% | 0.2% | £0 | Not required |
| Heirlooms and effects | 0.9% | 0.3% | £0 | Not required |
Rates shown exclude VAT. Reserve rates are set per asset class and applied to declared or appraised value, whichever is higher.
About the money
Why is there a reserve charge as well as insurance?
Insurance pays out after a loss. The reserve is capital we hold against your class of holding so that a claim is met without waiting on an insurer. You are charged for the reserve being held, not for the holding itself.
What if my holdings are worth more than the box limit?
Tell us and we will place additional cover, or move you to a larger box. Holding above the stated limit without telling us voids cover on the excess.
Can I pay monthly?
Yes, on Folio and larger. Monthly billing carries no surcharge but requires a direct debit mandate.