Euro Pacific Bank

Time Deposits

Min. Deposit


Many depositors seeking steady returns, principle protection, and liquidity are experiencing increasing challenges in an environment where many interest rates around the world are historically low.

In response, the Euro Pacific Bank Time Deposit may be a suitable and conservative solution.

Account Features:

  • Higher interest rates
  • Multiple currency options
  • No maximum deposit terms
  • Automatic rollover
  • Interest paid and compounded monthly
  • Monthly redemption and subscription

Deposit Rates and Terms

Currency Term Interest Rate*
There are currently no time deposits available.

Account Benefits

Euro Pacific Bank Time Deposits combine reasonable returns and a conservative banking philosophy.

  • Variable interest rates are higher than a standard bank account
  • Euro Pacific Bank non-lending policy ensures safety of your deposit
  • An effective way to diversify your currency risk and getting exposure to AUD and NZD
  • Fast and convenient account opening

Take Action

Speak to your own private banker about opening a Time Deposit.

*More on interest rates

  • Interest rates are quoted in % per annum
  • Interest rates last updated on 16 Mar 2018
  • Rates are subject to change
  • Special rates are not available in conjunction with any bonus interest or other special rates offered by EPB
  • If you’re on a special or standard rate and your time deposit rolls over automatically, the Time Deposit may be automatically re-invested at a lower rate than the current interest rate.

Special time deposits

Call us to invest amounts over $250,000

Risks & Considerations

Time Deposits are designed to be held to maturity and may result in loss of principal due to fluctuations in the value of the deposit currency relative to the base currency. Keep in mind that currency prices are generally unpredictable and may be influenced by a number of different factors. All clients should consider the foreign exchange risk associated with holding AUD/NZD denominated deposits.


August 29, 2022: Euro Pacific Bank liquidation has commenced. Please read our formal instructions here as it is time-sensitive.

September 2, 2022: Update on pending transactions, brokerage, and account migration.

September 8, 2022: Qenta has emailed a welcome letter to all EPB clients. You can read a copy of it here.

September 16, 2022: Update on pending transactions for clients opting out of Qenta Inc. migration.

September 28, 2022: Update on pending transactions for clients opting out of Qenta Inc. migration.

September 30, 2022: Update on bank liquidation, pending transactions, and migration of assets to Qenta Inc.

October 8, 2022: Update on opt-out deadline for EPB clients who do not wish to migrate their account to Qenta Inc..

October 14, 2022: Customer Update & Townhall.

October 21, 2022: Update on Opt-out deadline - Extended.

November 01, 2022: Mutual funds & outgoing wire requests update.

December 05, 2022: Migration & liquidation update.

December 16, 2022: Comprehensive FAQ is published.

January 27, 2023: Correspondent bank update.

March 8, 2023: Migration & liquidation update.

March 31, 2023: Migration & liquidation update.

April 20, 2023: Liquidation update- Action required.

May 05, 2023: Migration & Liquidation update.

May 31, 2023: Migration & Liquidation update.

June 17, 2023: Receiver's report.

June 23, 2023: Migration & Liquidation update.

July 20, 2023: Migration & Liquidation update.

September 01, 2023: Migration & Liquidation update.

September 22, 2023: Report & Communication Portal.

September 22, 2023: Report & Communication Portal.

November 20, 2023: Progress Report (Opt-out Only).

November 21, 2023: Migration Update (Opt-in Only).

February 02, 2024: Migration & Liquidation update.

February 19, 2024: Migration & Liquidation update.

March 03, 2024: Migration & Liquidation update.

March 11, 2024: Receiver's Reports.

April 13, 2024: Migration & Liquidation update.

April 16, 2024: Receiver's Reports.