Deposit Platform

Build wealth on Bondsmith

A single Bondsmith account unlocks access to a range of competitive interest rates from our partners banks, making it effortless to deposit, protect and grow cash savings.

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FSCS protection on eligible deposits

Bank-grade security

Saving services

Personal

Capitalise on time. Save wisely.

The longer you save the greater your return. Start saving today.

Business

Get company capital working like clockwork

Start building and managing your company’s capital effortlessly.

Advisers

More time. More money. For more clients.

Effortlessly manage a growing client list and maximise their returns on cash deposits.

Charities

Saving for a brighter future

Maximise your charity’s capital. Capital that has the power to transform lives.

Deposit Amount

£40,000

Yearly Earning Potential

National Savings Avg.* | 2.21%

£147.24

With Bondsmith earn up to 4.70% AER

£1,764.00

Get money moving

Switching to Bondsmith could significantly impact your saving potential. If cash is sat in a current account or a low-interest savings account, it’s time to get that money moving.

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*Bank of England statistics, Accurate as at November 2024

Nominated Account

This is the bank account you will use to make deposits to and withdraw money from your Bondsmith holding account.

Holding Account

The hub account is held at HSBC Bank Plc, which is protected by the FSCS.

Deposit Accounts

These are the FSCS protected bank accounts you choose to deposit your money with.

Seamlessly and securely deposit cash

All our partner banks and the Bondsmith holding account are FSCS-protected from the failure of the banks. Your eligible deposits are protected up to £85,000 per bank

Security on Bondsmith

Your account is protected by Bondsmith's state-of-the-art bank-grade security infrastructure.

End-to-end encryption

Multi-factor authentication

ISO 27001 compliant

Authorised by the FCA

How does the Bondsmith platform work?

Bondsmith is a single service, accessed from a single application and sign in, that allows you to deposit across partner multiple banks and savings accounts.

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Bondsmith makes it easy for you to build a portfolio of savings accounts, helping you earning competitive rates of interest and spreading your deposits across different banks to increase your FSCS protection.

What is the Bondsmith hub account?

The hub account is an account held for you with an approved bank (currently HSBC Bank Plc), for which you will have your own unique account number and sort code.

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This account enables you to place and manage deposits efficiently across all savings accounts made available by our partners banks. All withdrawals and maturities from our partners banks will come to your hub account first. From here you can deposit again or withdraw back to your nominated bank account.

What are the charges?

There are no charges or fees. Bondsmith will receive a share of the interest from the bank. This is deducted prior to the account being made available on the platform so the rates you see are the rates you will get.

Who can apply for a Bondsmith account?

The Bondsmith account is available to individuals (and joint accounts) who are resident in the UK. Unfortunately the service is not available to US citizens.

Is Bondsmith regulated?

Bondsmith is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 955601, for the issuing of electronic money. Bondsmith Savings Ltd is registered in England and Wales, No 13223331. Registered office: 124-128 City Road, London, EC1V 2NJ.

FAQs

If you have any additional questions our team is ready to assist you.

Ready to get started?

Opening an account is quick and easy.
Start earning great returns on your cash savings.

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