Sky (sUSDS) review

The account pays a variable rate of 3.6%, and the rate type is variable rather than fixed. That sits above the 3.08% median for savings accounts, though the brand ranks 179 of 473 on rate, so the return is competitive rather than exceptional.

The monthly fee is $0, and the account runs on a no monthly fee model. That matches the site median of €0 and the savings account median of €0, so the balance earns without a regular charge eating into it.

Access terms allow a withdrawal to USDS at any time, with no lockups and no maturity dates. The account kind is easy access, the kind 76.7% of listed accounts use, so the balance stays available rather than being tied to a term.

The account is run by Skybase International, which is the legal entity named in the terms. The brand was founded in 2017, so there is a track record behind the balance rather than a new launch.

Support runs on email, help centre and community, so you reach the team by email, through the help centre or via the community. Phone and chat are not among those channels, which matters if you prefer talking to someone about a balance.

No regulator or licence is listed for this account, so there is no named protection scheme to point to. If deposit protection is a deciding factor for your savings, weigh that against the 3.6% variable return before opening the account.

The account kind is easy access, the most common kind in the savings account ranking at 75.6%. It is a savings balance rather than a current account, and the rate is variable, so it is built for holding money you can call on.

It suits people who earn and spend US dollars and want a return without a lockup. Savers who need a guaranteed rate for a set term should look elsewhere, because the rate type is variable and the access terms carry no maturity dates.