Frequently Asked Questions
Cash Management
Frequently Asked Questions

What is compounding in interest?

Compounding in interest is the effect of having a sum of money which earns interest over a period.  Over the following period, the interest is earned on the original sum and the amount of interest earned so far.

The effect of compounding can be enormous, because of this notion of 'earning interest on interest'.

The power of compounding was called the eighth wonder of the world by Albert Einstein, or so the story goes. He also is rumoured to have said: "He who understands it, earns it. He who doesn't, pays it."

Cash Management

What does AER mean as a savings interest rate?
What does APR mean as a savings interest rate?
What is interest rate 'blending'?
What is 'liquidity' in investment terms?
Cash Deposit Manager

Our Interest Rates

Our accounts come in three different types, which we work with you to blend in order to deliver the best return for your chosen liquidity.
Cash Deposit Manager

Our Accounts

We offer accounts for deposits of £1 million+ to companies, trusts, charities and private individuals, with no requirement to borrow from or invest with us - we simply look after your cash deposits.
How it Works
Our Accounts

Company Treasury

Utilise and safeguard bonuses, VAT, M&A proceeds and operational cash surpluses.

Private Clients

Hold large cash sums on high-interest deposit with no bank credit risk.

Charities

Safeguard charity cash assets and generate the maximum possible safe return.

Independent Schools

Deploy start-of-term fee surpluses and fees in advance savings to generate an ongoing return.

Regulatory Capital

Hold regulatory capital and 'own funds' on a high-interest, zero-risk basis.
In Action

Interactive Returns Calculator

Choose your deposit amount (from £1m+)
Enter the forecast Bank of England Base Rate
See your projected returns live in the calculator
There is no need to provide any email address or personal information. This illustration is for comparison purposes only - our rates flex with the Bank of England base rate, so your actual return may be less.

This is a zero-risk deposit at the Bank of England, and not an investment, so your money is not at risk.
Interactive Compound Interest Calculator
Open Returns Calculator