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.
Rates are correct on the Insignis Cash Platform as of 13 Nov 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.
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.
The Insignis Cash platform provides a simple yet effective way to manage SME cash balances. Whilst the technology works extremely well, it’s reassuring to know they are able to complement this with professional and knowledgeable human resource should this be required. Do try it out – you’ll not be disappointed!
Lisa Hughes River Learning Trust
Before Insignis Cash, we spent a great deal of time filling in endless forms, getting together the right signatories, and researching where to place our funds - during which time the markets might well have moved. Signing up with Insignis has done away with all of that, and we are able to place funds in a matter of minutes, with no additional forms to complete. We have access to the best rates, and choose only from institutions that meet our investment policy.
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 FSCSscheme up to £85,000 per depositor, except for a Guernsey-basedbuilding society, which is covered under the Guernsey BankingDeposit 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 setaside the annual account service fee and draw down monthlypayments in arrears from this fee reserve account. We charge a minimum of one quarter of the fees, after which fees arecharged pro rata. While the funds are in the fee reserve, theyremain in the client’s name. There are no other fees for theInsignis 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 accesstheir 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.
