High-Interest Deposits
What is Cash Deposit Manager?
↑ Back to TopHigh-Interest Deposits via the Cash Deposit Manager allow clients to place substantial cash balances in high-interest, zero-risk deposit accounts, structured to deliver returns materially above typical retail or private bank savings options.
These accounts are designed for deposits of £1 million or more and are held liquid and unencumbered at the Bank of England, avoiding reliance on the credit risk of individual commercial banks or the constraints of standard retail protections such as the Financial Services Compensation Scheme.
High-Interest, Zero-Risk Cash Deposit Accounts
When is Cash Deposit Manager useful?
↑ Back to TopHigh-Interest Deposits are particularly useful when clients hold large cash sums that are not immediately required for expenditure or investment but for which they want to avoid opportunity cost and minimise idle balances.
Typical triggers include liquidity events such as business exits, property sales, inheritance or other windfalls, seasonal surpluses in company treasury operations, or substantial fee advance deposits for schools and charities.
In planning contexts, placing funds into zero-risk, interest-earning accounts allows time for thoughtful allocation elsewhere without sacrificing return.
Where are these accounts available?
↑ Back to TopHigh-Interest Deposits are particularly useful when clients hold large cash sums that are not immediately required for expenditure or investment but for which they want to avoid opportunity cost and minimise idle balances.
Typical triggers include liquidity events such as business exits, property sales, inheritance or other windfalls, seasonal surpluses in company treasury operations, or substantial fee advance deposits for schools and charities.
In planning contexts, placing funds into zero-risk, interest-earning accounts allows time for thoughtful allocation elsewhere without sacrificing return.
Why would I want high-interest cash deposits?
↑ Back to TopHigh-Interest Deposits reduce the usual opportunity cost of holding significant cash sums on standby by offering interest rates that are typically more attractive than standard high-street savings accounts and many retail savings instruments.
Because funds are kept liquid and unencumbered at the Bank of England, clients retain confidence in security of the principal sum and the reliability of the interest payments.
Clients choose us because we pair rigorous safeguarding with a highly service-oriented, bespoke approach. We take time to understand the client’s cash profile, liquidity requirements and return expectations before recommending an appropriate blend of notice and term accounts.
Our emphasis on transparency, clear communication and disciplined administration supports confidence and long-term value from cash holdings that might otherwise generate negligible interest.
How does Cash Deposit Manager work?
↑ Back to TopThe service begins with an assessment of the your cash and liquidity requirements and a recommendation on how to split funds across available account types - a blend of notice accounts and fixed-term deposits - to achieve a blended return profile that matches expected liquidity needs.
Accounts are opened in your name, with funds held on a bare trustee arrangement through partner infrastructure and subsequently deposited at the Bank of England. We manage interest crediting, reporting and ongoing account oversight, ensuring clarity and control at every stage.
Independent School Fees in Advance Schemes
Who can use Cash Deposit Manager?
↑ Back to TopHigh-Interest Deposits are suitable for private clients, family offices, wealthy individuals and family trusts seeking safe, productive places for large cash holdings. They are also highly relevant to corporate treasuries, charities and independent schools managing fee advances, VAT provisions, regulatory capital reserves or other significant operating cash surpluses.
Advisors and wealth managers often utilise this service on behalf of clients to retain liquidity while enhancing return without introducing risk beyond principal exposure.
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FAQ's
↑ Back to TopCash Deposit Manager - Overview
Cash Deposit Manager - Eligibility
Cash Deposit Manager - Account Opening
About DOS & Co.
Protecting Cash Deposits
Financial Terms
Case Studies
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High-Interest, Zero-Risk Deposits
