Experience the joy of retirement knowing your pension savings are working harder

Benefit from greater returns with higher interest rates and ensure your pension cash has greater protection.

The cash in your pension holds the key to a secure, fulfilling, and worry-free retirement, empowering you to live the life you've always envisaged with confidence and peace of mind.  

At Insignis Cash, we understand the significance of your pension savings and are committed to helping you maximise their potential. 

Through our cash management platform, you gain direct access to pension savings accounts, fully compatible with SIPP and SSAS offerings, from a wide array of banking institutions.    

With easy access, short term notice and fixed term accounts, you can build a cash portfolio that fits your specific requirements. All this, whilst enhancing the FSCS protection of your pension savings through efficient bank diversification. 

If you would like to have someone else manage your pension, you can appoint an FCA-regulated financial adviser or wealth manager to help you with making the most of your pension savings. 

Top Rates

Easy access


6 Month Fixed Term


1 Year Fixed Term


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. Pensions refers to SIPP and SSAS products. Availability of products will vary depending on the client type.

Why Insignis Cash

We are committed to providing clients with the best solutions to manage both savings and pension cash, efficiently.

Market-leading interest rates

Benefit from our strong partnerships with banks and building societies and access attractive and exclusive rates across a wide range of savings accounts 

Optimised financial protection

Minimise risk by spreading your cash across multiple banks, enhancing your FSCS protection eligibility. 

Effortless savings management

One form, unrivalled numbers of banking partners. Say goodbye to the search for the best interest rates. Embrace your retirement to the fullest. 

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. 

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. 

Friendly support

We are built on trust; our UK-based Client Services team are ready to assist you with any questions you may have, ensuring a smooth and pleasant experience on our platform. 

How it works - Start earning more interest on your pension cash without the hassle

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

The minimum deposit size is £100,000.

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.

Embrace the future you've envisaged with confidence

Start managing your pension cash with Insignis Cash today

Open an account