Accounts Savings

Fortis High‑Yield Savings

(3 or 6‑ or 12‑Month Minimum Lock)

New rule: Every account tier now carries an initial 3 or 6 or 12 month lock‑in period. After that window closes, you can request a withdrawal by giving the notice shown for your plan.

Lock‑in Policy Update

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• ⦿ Reserve Classic & 50 Basic: No withdrawals permitted in the first 6 months—capital is completely locked.
• ⦿ Active 70 & Alpha Plus: Early withdrawals are allowed during the first 6 months only if you (a) give the plan’s normal notice and (b) forfeit all interest accrued on the amount you withdraw.

Account Options at a Glance

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Plan	Funds Fully Locked	Funds Actively Traded	Annual Gross Rate*	Min / Max Deposit	Withdrawal Rights in First 6 Months	Notice After Month 6
Classic	100 %	0 %	12 % +	$5,000 – $20,000	None (locked)	28 business days
50 Basic	50 %	50 %	12 % +	$10,000 – $50,000	None (locked)	21 business days
Active 70	30 %	70 %	12.6 %	$20,000 – $200,000	Allowed with interest‑forfeit & notice	21 business days
Alpha Plus	20 %	80 %	14.5 %	$50,000 – $700,000	Allowed with interest‑forfeit & notice	15 business days

• * Rates accrue Monthly
• * Monthly cashback on traded balances is paid separately and does not affect interest rates.

Current Savings Rates by Currency

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(Interest accrues daily, paid quarterly)

Currency	Flexible	Locked 3 Months	Locked 6 Months	Locked 1 Year
Ripple (XRP)	2.2%	4.8%	9.8%	14.5%
SOLANA (SOL)	2.2%	4.8%	9.8%	14.5%
Tether (USDT)	2.2%	4.8%	9.9%	14.6%
Bitcoin (BTC)	2.2%	4.8%	9.8%	14.5%
Ethereum (ETH)	2.2%	4.8%	9.8%	14.5%
GBP (Great Britain £)	1.8%	4.4%	9.1%	12.6%
AUD (Australian $)	1.8%	4.4%	9.1%	12.6%
USD (US Dollar)	1.8%	4.4%	9.1%	12.6%

Early‑Access Details

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Tier Group	Can You Withdraw in Months 0‑3?	Conditions	Cost / Penalty
Classic & 50 Basic	No	Capital locked until day 91	Not applicable
Active 70 & Alpha Plus	Yes	• Submit the usual notice (15/21 business days) • Withdrawn amount forfeits all accrued interest for the current quarter	No extra liquidity fee

Key Conditions (unchanged unless noted)

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• ⦿ Funding limits – Open ≥ $5,000; aggregate cap $500,000.
• ⦿ Plan changes – One upgrade/downgrade per quarter; new deposits obey the six‑month rule of the destination plan.
• ⦿ Rate policy – Fixed for each 12‑month cycle; 10‑day advance notice of any revision.
• ⦿ Custody & oversight – Locked balances ring‑fenced; traded balances governed by our Swiss/Estonian dual‑licence framework.

How It Works

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• 1. Select your plan – Decide the trade‑to‑lock ratio that matches your goals.
• 2. Deposit & verify – Fund in USD, EUR, GBP, AUD or crypto; KYC 24 h.
• 3. Six‑month lock period – During months 0‑3 your capital (locked or traded) is not withdrawable. Interest still accrues daily.
• 4. Post‑lock liquidity – After day 90 you may request a withdrawal; funds arrive after the plan’s notice window.
• 5. Ongoing earnings – Locked balance remains ring‑fenced; traded balance is managed by our 800+ AI‑curated strategies.

Additional Key Conditions

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• ⦿ Early access fee – Withdrawing inside the first 6 months triggers a 1% liquidity fee plus forfeiture of that quarter’s interest on the withdrawn amount.
• ⦿ Segregated custody – Locked funds are never exposed to margin calls; traded funds are risk‑managed under our dual Swiss/Estonian regulatory umbrella.
• ⦿ Rate policy – Rates are fixed for the current 12‑month period; any revision is announced at least 30 days before year‑end.
• ⦿ Funding Source – Savings are funded by your deposit activity, not by Fortis’ operational profits.
• ⦿ Deposits – Interest earnings are derived exclusively from clients’ own invested capital, not subsidized by platform profits.

FAQ (updated)

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• Can I withdraw before 6 months?

  Yes, but you’ll pay a 5% early‑access fee and forfeit that quarter’s interest on the withdrawn amount.

• Does cashback affect my rate?

  No—cashback is an additional rebate on trading spreads/commissions.

• What happens if I switch plans?

  You may switch once per quarter. New deposits follow the new plan’s six‑month lock; existing locked balances keep their original maturity date.

• Is my rate truly fixed?

  Rates are fixed for each 12‑month cycle. Historical revisions have been minor and are always announced 30 days ahead.

Ready to put idle capital to work under the new 6‑month structure?

Open your Fortis High‑Yield Savings Account today and enjoy industry‑leading yields with institutional‑grade risk controls.