Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%
Brent Crude $82.45 +1.2%
Bitcoin (BTC) $64,210.50 -0.8%
Apple (AAPL) $189.42 +0.4%
S&P 500 5,130.20 +0.15%
Gold (XAU) $2,165.30 +0.6%

Fixed Deposits:
A Fixed Rate You Can Rely On

Lock in a fixed interest rate for a defined term, with your maturity value known from day one. Our fixed deposit offerings are structured for investors who want simplicity, predictability and a clear payoff date, without the complexity of market-traded instruments.

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The Story:
Simplicity, Priced In

Lock in a fixed interest rate for a set term and know exactly what your investment will be worth at maturity. Our fixed deposit investments are designed for investors who value predictable returns, clear timelines and a straightforward investment process.

We work with regulated banking partners to offer competitive fixed rates across a range of terms. BYC Management handles the paperwork, tracking and maturity reminders, so the process stays as simple as the product itself.

Certainty you can plan around
Close-up of a wooden hourglass with sand flowing through it against a dark background, representing the fixed term and predictable timeline of a fixed deposit investment.

Your Benefits

Built to give you a fixed rate, a known maturity value and capital held with regulated partners.

Fixed Rate

Your interest rate is locked in for the full term, unaffected by market rate movements.

Known Maturity Value

You know exactly what you'll receive at maturity, from the day you open the deposit.

Capital Security

Held with regulated banking partners, structured to protect your principal through the full term.

The Path to Investment

Explore Opportunities

Review our current fixed deposit rates, terms and minimum amounts before you commit to anything.

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Speak with an Investment Specialist

Schedule a consultation with one of our specialists. They'll walk through the details, answer your questions and help you choose the term that fits your goals.

Compare & Plan

Compare rates and terms side by side. Use our investment calculator to estimate your maturity value before you commit.

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Complete Your Investment Securely

When you're ready, finalize your deposit through our encrypted digital investment portal, with your specialist available to assist throughout the process.

Critical Disclosures

Risk & Suitability Summary

Fixed deposits carry issuer credit risk: if the banking partner becomes unable to pay, your capital and interest may be at risk beyond any applicable deposit protection scheme. Early withdrawal before maturity may not be possible, or may incur a reduced rate or penalty.

Tax Treatment

Interest earned on fixed deposits may be subject to tax depending on your jurisdiction and personal circumstances. BYC Management does not provide tax advice. We strongly recommend consulting with a professional tax advisor prior to commitment.

Early Withdrawal

Fixed deposits are designed to be held to maturity. Early withdrawal, where permitted, typically results in a reduced interest rate or a penalty fee. Review the specific product terms before you commit capital for a fixed term.

"The information on this page is for educational purposes only and does not constitute financial advice. BYC Management acts as a technology and information bridge to regulated institutional partners."

Ready to Compare?

Our advisors are ready to walk you through the specifics of each term and help determine the right fixed deposit for your unique financial goals.

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Frequently Asked Questions

This product is designed for investors who want capital certainty and predictable income over a defined term, without exposure to market volatility. It suits conservative investors and those parking capital for a known future need.
The main risk is issuer credit risk, along with the fact that capital is generally tied up for the full term. Early withdrawal, where available, usually comes at a reduced rate or a penalty.
Yes, all fixed deposit accounts are fully integrated into the BYC Management Client Portal, providing real-time tracking, detailed performance reporting and tax documentation in one secure location.