Yes. Interest rates are variable and can be increased or reduced at any time at our sole discretion as outlined in our terms and conditions. If we increase the interest rates, we will announce the increase on our website, and the change will take effect on the 1st day of the next calendar month. We will also send you a notification of the increase within 30 calendar days of publishing the announcement. If we decrease your interest rate, we will notify you at least 14 calendar days in addition to the notice period as per the type of account opened, prior to the decrease.