Your cash account is used to allow Ardan to buy or sell assets, pay withdrawals or pay portfolio charges and fees on your behalf.
The below table shows the rates of interest that apply for all your cash accounts, where you hold a credit or debit balance. Rates of interest, either negative or positive will be applied at the end of each calendar month.
| Currency | Credit rate*(%) |
|---|---|
| AED | 1.10 |
| AUD | 0.75 |
| CAD | 1.00 |
| CHF | 0.00 |
| EUR | 0.93 |
| GBP | 0.60 |
| HKD | 0.00 |
| JPY | 0.00 |
| SGD | 0.90 |
| USD | 1.10 |
*These rates were last updated in January 2026. Negative interest rates are highlighted in bold.
Please note: The interest rates shown on this page apply to standard Ardan platform cash accounts. Different interest rates apply to cash balances held within an Ardan SIPP. For current Ardan SIPP interest rates, please refer to the Interest Rates on Uninvested Cash Balances page on the IFGL Pensions website.