Supercharge your personal savings

Earning more on your cash savings has never been easier.

Finding the best savings accounts shouldn't be a never-ending search.

We understand the frustration of constantly switching accounts to chase better rates. That’s why we offer a one-stop solution. Through our award-winning platform, you get access to more than 3,500 saving products from 45+ banks and building societies.

From Easy Access to 5-year Fixed Term products, you have the freedom to choose the perfect savings accounts for your current goals and capitalise on liquidity events, like the sale of a house or inheritance.

With an Insignis Cash account, you can maximise earnings on your cash and better protect your savings.

Top Rates

Easy access

4.56%

6 Month Fixed Term

5.06%

1 Year Fixed Term

5.20%

Rates are correct on the Insignis Cash Platform as of 20 May 2024. Rates are subject to a minimum and maximum deposit size. Availability of product will vary depending on the client type.

How it works - A straightforward service that will save you time

  • Complete an Insignis Cash application form to open your account.
  • Deposit your cash savings into your Insignis Cash Hub account.
  • Choose from thousands of market-leading savings accounts and start earning interest.

The minimum deposit size is £100,000.

Why Insignis Cash

Insignis Cash is committed to providing  clients with the best solutions for their personal savings.

Market-leading interest rates

Access  competitive and exclusive interest rates across a wide range of savings accounts from our  large panel of banks and building societies.

Effortless savings management

With just one login, you can manage and control all of your savings. No more endless paperwork and unnecessary transfers—just straightforward savings management.

Optimised financial protection

Enhance your FSCS protection eligibility by spreading your savings across multiple banks all at the click of a button on the Insignis Cash platform. The UK-based banks on the platform are members of the UK Financial Services Compensation Scheme (FSCS).

Secure platform

You always remain the beneficial owner of your funds, and our secure platform is available 24/7. Our two-step authentication process on all transactions helps ensure your funds are kept secure.

Trusted partner

We are a trusted partner of thousands of financial advisers, wealth managers, accountants and pension providers who use the Insignis Cash platform to improve returns for their clients’ cash savings.

Friendly support

Our Client Services team is based in the UK and are always on hand to address any queries you may have or help you through your journey. For example, we can send you a helpful reminder when any of your fixed-term products come to a maturity.

Frequently Asked Questions

Are all your banks/building societies covered under the FSCS (Financial Services Compensation Scheme) scheme?

All our banks and building societies are covered under the FSCS scheme up to £85,000 per depositor, except for a Guernsey-based building society, which is covered under the Guernsey Banking Deposit Compensation Scheme (up to £50,000 per individual).

Do any of your banks/building societies share the same banking license?

Most banks and building societies operate under their own banking license.

Please note RateSetter by Metro Bank operates under Metro Bank’s deposit-taking license, with combined FSCS protection up to £85,000 per UK depositor.

How do you take your fee?

Once a client deposits funds into their Hub account, we set aside the annual account service fee and draw down monthly payments in arrears from this fee reserve account. We charge a minimum of one quarter of the fees, after which fees are charged pro rata. While the funds are in the fee reserve, they remain in the client’s name. There are no other fees for the Insignis Cash service.

Can clients break their accounts early?

Our deposit takers may allow accounts to be broken early in cases of bereavement, on provision of the relevant legal documentation. Other than bereavement, they will consider breakage requests where valid reasons may include customers in vulnerable circumstances (e.g., terminal illness) or sometimes cases of extreme financial hardship. Deposit takers review all breakage requests on a case-by-case basis. If the conditions are not met, notice must be served or maturity reached, for clients to access their funds.

What happens to clients’ deposits if Insignis Cash ceases to trade?

Clients’ funds are securely held by the relevant financial institutions, not by Insignis Cash. Funds would be retained by the banks and building societies until maturity (if applicable), when the funds will be returned to the linked account.

Don’t waste time

Start earning more interest on your personal savings without the hassle.

Open an account