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National Heroes Day Banking Hours

Butterfield will be closed on Monday, 20 June, 2022 for National Heroes Day. To access your accounts, please use our Butterfield Online, ATM and mobile banking services.



Our Banking Centres will re-open on Tuesday, 21 June, 2022 from 9:00 a.m. – 4:00 p.m.

We have moved! Our new address is: PO Box 250, IFC6, IFC Jersey, St Helier, Jersey, JE4 5PU.

 

Please be advised that our fee schedule has been updated and will take effect from 1 June 2026.  Please click here to view the updated fee schedule.

Butterfield will be closed on Monday, 13 November, for the Remembrance Day public holiday. Our Banking Centres will reopen on Tuesday, 14 November, at 9 a.m. To access your accounts, please use Butterfield Online and our ATM network.

Old Sterling Banknotes – removed from circulation on 1 October 2022.

Please be advised that as of Saturday, 1 October 2022, Butterfield will not accept old paper sterling notes for banking deposits or transactions as they will no longer be legal tender. The official last day of use is Friday, 30 September 2022.

Butterfield clients are encouraged to deposit old notes or swap them out for the new polymer ones at any Butterfield Banking Centre before Saturday, 1 October 2022. From this date, only polymer sterling banknotes will be accepted.

We will be closed on Monday, 23 January 2023 for National Heroes Day. Our Midtown Plaza Banking Centre will be this Saturday from 9:00 a.m. until 12:00 p.m. and otherwise all Banking Centres will reopen on Tuesday, 24 January 2023, with normal operating hours of 9:00 a.m. - 4:00 p.m. You can continue to access your accounts during the public holiday by using our Butterfield Online, ATM and mobile banking devices.

Please be advised our General Terms and Conditions have been updated in reference to a new clause 11.3.  Please click here to view the full document.

Holiday Banking Hours:

Butterfield will be closed from 2 p.m. on Friday 23 December and will reopen 9 a.m. Wednesday 28 December, 2022.

We will close again from 4 p.m. on Friday 30 December, 2022 and will reopen 9 a.m. Tuesday 3 January, 2023.

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Update on Saturday Banking: Saturday Banking will be temporarily suspended as we allow time for annual training and infrastructure investment initiatives. To access your accounts, please use our Butterfield Online, ATM and mobile banking services. Saturday Banking hours will resume as normal on March 4th.

Please be aware that we will be carrying out work on our technology systems from 6 pm on Friday, 6 October. Butterfield Online and Saturday Banking will be unavailable this weekend. All services are expected to resume as normal on Monday, 9 October. 

Butterfield will be closed on Monday, 2 September 2024, for the Labour Day public holiday. To access your accounts, please use Butterfield Online and our ATM network.

Our Banking Centres will re-open on Tuesday, 3 September 2024, from 9:00 a.m. - 4:00 p.m.

Butterfield will be closed on Monday, 17 June 2024 for the King’s Birthday public holiday. To access your accounts, please use Butterfield Online and our ATM network.

Our Banking Centres will re-open on Tuesday, 18 May 2024 from 9:00 a.m. - 4:00 p.m.

Update on Saturday Banking: We are pleased to announce the return of Saturday Banking. Our Front Street Banking Centre will be open from 10:00 a.m. to 3:00 p.m. every Saturday for you to take care of your personal banking needs.

Update on Saturday Banking: Saturday Banking will be temporarily suspended effective 15 July 2023, as we allow time for annual training and infrastructure investment initiatives. We will advise when Saturday Banking services have resumed. To access your accounts, please use Butterfield Online and our ATM network. We apologise for any inconvenience caused.

Hurricane Lee Advisory: Please be advised that our offices and Banking Centres in Bermuda will be open for business from 12:00 p.m. to 4:00 p.m. today.

The ATMs at Collector’s Hill, Modern Mart, Somerset MarketPlace and Somerset Banking Centre are back in service and Saturday banking will be available tomorrow at Front Street from 10:00 a.m. to 3 p.m. 

We are pleased to report the issue with debit card settlements has been fixed for the vast majority of accounts impacted, and we are working to correct the few outstanding. If you still see an issue with your account and you require access to blocked funds immediately, please contact the call centre.

Please be advised that our Banking Centres will be closing at 2:00 p.m. on Friday, 6 October. Butterfield Online will also be unavailable this weekend from 4:00 p.m. on Friday, 6 October until Monday, 9 October at 9:00 a.m. as part of a scheduled systems update.

Our Island Saver Instant Access account now has a reduced minimum of £10,000. Click here for more details

Our Fee Schedule has been updated, effective Friday, 1 March 2024. For full details, please review the Fee Schedule here

 

Butterfield will be closed on Monday, 17 June 2024 for the National Heroes Day public holiday. To access your accounts, please use Butterfield Online and our ATM network.
All Banking Centres will reopen on Tuesday, 18 June 2024, with our normal operating hours of 9:00 a.m. - 4:00 p.m.

Our General Terms and Conditions for Banking services have been updated, effective Friday, 30 January 2026. For full details, please review the document in the footer of our website. 

Our Schedule of Charges for Personal and Corporate Banking services has been updated, effective Friday, 2 January 2026. For full details, please review the Schedule of Charges documents in our website footer below. 

Please be advised that our fee schedule has been updated and will take effect from 1 June 2026.  Please click here to view the updated fee schedule.

Friday 22 May, 2026
How Private Capital Is Reshaping Public Markets

Author: Nicholas Rilley, CFA, CAIA

Public markets were designed to give investors access to the world’s best companies, but increasingly, they don’t.

For most of modern market history, the most successful companies progressed through a familiar lifecycle. This would include: seed funding, venture capital, public listing, then a gradual climb from small-cap, to mid-cap, then eventually entering the S&P 500 or Dow Jones Industrial Average.

That model has now changed and this has significant consequences for markets, investors and fiduciaries.

Three structural shifts are reshaping the relationship between public and private equity. Firstly, companies are staying private for longer. Secondly, technology businesses can now scale at unprecedented speed. Lastly, firms can enter public markets at enormous valuations and move directly into major indices shortly after listing.

The result is a blurring of the traditional boundary between private and public markets. Investors are being forced to rethink assumptions that have defined equity investing for decades and portfolio construction needs to evolve to reflect these shifts.

The theme of companies staying private for longer is not new. In 1980, the median age of a company at its IPO was 6 years, whereas in 2021 it was 11. Two main factors have driven this. The rise of the venture capital & private equity industries has significantly expanded the pool of available private capital. At the same time, regulatory requirements such as Sarbanes-Oxley have made public company life more onerous and expensive.

OpenAI CFO Sarah Friar recently noted that “private markets have been incredibly generous to us, much bigger to tap than I think most people ever thought possible... but there is something attractive about the public markets over time too because it is not just about equity… we want to be able to raise money across the whole spectrum”.

Academic research supports the idea of a historic small cap premium, but analysis by BCA shows that this outperformance has come from a few extremely successful companies. They note that migration across size buckets has decreased to almost half of what it was at the turn of the century. Fewer IPOs deprive small cap indices of these high-flying winners and this helps explain why small cap stocks have struggled. Essentially, the best returns may be gone by the time a company reaches your portfolio.

Technological revolutions are again not new, but the speed at which modern day firms can scale is remarkable. Leading AI companies OpenAI (ChatGPT) and Anthropic (Claude) were only founded in 2015 and 2021 respectively. ChatGPT reached 100 million users in just two months, while Anthropic has already reached an annual run rate of $30bn revenue. Technology platforms and smart phones have made technology more scalable than ever before.

Aerospace and AI company SpaceX is gearing up for IPO this summer, and there is an expectation that both OpenAI and Anthropic will IPO in the next year or so.. These companies may list with huge market capitalisations of perhaps $1tn, which would give them a chance of being in the top 10 largest companies in the S&P 500.

Passive investing has grown immensely in recent decades. But this raises a question: what index are you passively tracking? Nasdaq has recently changed their rules to allow new large companies (ranked in the top 40) to join the Nasdaq-100 index just 15 trading days after IPO, removing prior 3-month and 10% float requirement. Furthermore, S&P Dow Jones is considering speeding up the entry of mega cap companies into its indexes by easing time, profitability and liquidity requirements.

When a $1 trillion company can enter a widely-followed index, passive investors may be forced to effectively make an active decision on a meaningful investment with just 15 days’ notice. For investors, this raises a governance question.

Another theme has been Mega Cap Technology companies either acquiring smaller competitors, or buying stakes in private businesses. Amazon has a stake in Anthropic, while Alphabet (Google) has a stake in SpaceX. Both have recently seen a boost to profits from these investments.

This is not the only reason that investors in public equities have had to pay closer attention to private markets. Services launched by Anthropic have led to significant falls in the share prices of professional services and software companies. Equity investors have had to spend time understanding these new threats, which is made harder as these private companies move quickly and there is less information about them in the public domain.

Three of the four leading AI platforms are private, so it is difficult for investors to get exposure. The other is Gemini, which is owned by Google and developed by DeepMind, which they acquired in 2014.

Although it is difficult for investors to get access to companies like OpenAI, Anthropic, SpaceX, and Revolut before they IPO, there are a few ways it can be done. Private Markets funds, Hedge Funds and even US based ETFs can own private markets securities.

Investors once viewed public and private markets as two distinct asset classes, but the lines are now blurring. This convergence is not a future trend, it is already reshaping portfolios, indices and valuations. For fiduciaries, the more pressing question is whether existing frameworks are adequate to reflect these shifts.

Disclaimer: The views expressed are the opinions of the writer and whilst believed reliable may differ from the views of Butterfield Bank (Channel Islands) Limited. The Bank accepts no liability for errors or actions taken on the basis of this information.