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%

Flex Deposits:
Structure With Room to Move

Get more structure than a savings account and more flexibility than a fixed deposit. Our flex deposit offerings let you plan around a target rate while keeping a portion of your capital within reach, for investors who don't want to choose between certainty and access.

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The Story:
The Middle Ground, Done Right

Fixed deposits reward commitment. Savings accounts reward flexibility. A flex deposit is built for everyone in between: a structured rate with scheduled windows for partial access, so your plan doesn't have to be all or nothing.

We work with regulated banking partners to offer balanced terms that combine a competitive rate with defined access points. BYC Management handles the scheduling and tracking, so you always know when your capital becomes available.

Balance, not compromise
A wall of numbered safe deposit boxes with one box door open, representing the structured, scheduled access windows of a flex deposit.

Your Benefits

Built to give you partial access, a balanced rate and capital held with regulated partners.

Partial Access

Scheduled windows let you withdraw a portion of your balance without breaking the full term.

Balanced Rate

Earn more than a standard savings account while keeping meaningful flexibility built in.

Capital Security

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

The Path to Investment

Explore Opportunities

Review our current flex deposit rates, access windows and terms before you decide how to allocate.

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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 find the right balance of rate and access.

Compare & Plan

Compare flex deposit terms against fixed deposits and savings. Use our investment calculator to estimate your balance over time.

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Complete Your Investment Securely

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

Critical Disclosures

Risk & Suitability Summary

Flex 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. Withdrawals outside the scheduled access windows may not be possible, or may incur a reduced rate.

Tax Treatment

Interest earned on flex 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.

Access Windows

Partial withdrawals are available at scheduled access windows outlined in the product terms. Withdrawals outside these windows, where permitted, typically result in a reduced interest rate.

"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 balance of rate and access for your financial goals.

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Frequently Asked Questions

This product is designed for investors who want a better rate than a savings account without fully committing to a fixed deposit's rigid term. It suits those who expect to need partial access to their capital at known points in time.
The main risks are issuer credit risk and limited access outside the scheduled windows. Withdrawing outside those windows, where possible, usually comes at a reduced rate.
Yes, all flex 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.