How Fixed Earn Accounts Work

Modified on Tue, 23 Jun at 2:58 PM

Fixed Earn Accounts offer the highest interest rates by locking your funds for a set period. Your rate is fixed from the moment the account is created and doesn't change — even if the market does.

When the term ends, your Earn Account will either renew for the same duration or become Flexible, giving you the option to withdraw your funds or start a new term.

Fixed Earn Accounts are perfect for users who value predictability and don't need instant access to their savings.

Automatic Renewal

Automatic Renewal lets you keep earning without having to manually open a new term when your current one expires. When enabled, your Earn Account will renew automatically for the same duration.

You can enable or disable Automatic Renewal at any time while the term is active — just head to the Settings tab in Earn Account Details.

Key features

Feature	Description
Interest rate	Fixed for the full term
Interest payout frequency	Weekly
Term options	Depends on currency (up to 24 months)
Automatic Renewal	Optional — renews for the same term after expiry
Access to funds	Locked during term, becomes Flexible after term ends
Top-ups	Add more funds anytime
Plan dependent	Rates may vary based on your Membership Tier

Things to keep in mind

No early withdrawals — funds are locked for the full term, with no exceptions
Term selection is final — the term can't be changed once set
After the term ends — your Earn Account renews automatically if Automatic Renewal is on; otherwise, it becomes Flexible

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