The deposit
platform
Bondsmith powers savings, deposit and treasury solutions for wealth platforms, advisers, corporates and treasurers across the UK.
Trusted by wealth platforms, asset managers and banks.
One platform between your customers and the banks
Bondsmith sits in the middle. You launch a savings proposition under your brand or through our API. Your customers get one view of their deposits across a panel of UK banks, each with separate FSCS eligibility. We hold the regulatory permissions and run onboarding, the ledger, reconciliation and payments, so you do not have to.
- Wealth Managers
- Investment Platforms
- Fintechs
- Pension & Cash ISA providers
- IFAs
- Individuals
- Businesses
- Charities
- Trusts
- Product and account management
- Client money and trust structure
- AML, onboarding and ledger
- Interest, payments and reconciliation
- Bank 1
- Bank 2
- Bank 3
- …
- Bank n
- One integration: API or white-label platform
- FCA-authorised EMI, deposits held in trust
- Separate FSCS eligibility at each bank on the panel
- A panel of partner banks
The firms building on Bondsmith
Banks
Gather deposits through Bondsmith’s Deposit Aggregator distribution network, source wholesale funding through Deposit Broking, or run your own deposits on Deposits-as-a-Service, with payments, reconciliation and AML/KYC managed end to end.
Learn moreWealth Managers
Give clients competitive, FSCS protected savings alongside their investments, through a white-label platform under your brand, which can sit behind your single sign-on, or an API integration into your own platform, without the cost and regulatory weight of running banking yourself.
Learn moreFintechs
Ship a savings product in weeks through one API. Shape your proposition from a panel of banks, FSCS protected and all of the operations handled by Bondsmith. Your engineering stays focused on the product that sets you apart.
Learn moreClient Money Managers
Put client money to work in protected, competitive deposits across the bank panel, guided by our treasury team.
Learn more
From the Bondsmith team
White-label or API: choosing how you offer savings
Both routes run on the same platform. The difference is how much of the client experience you own, and how much engineering you take on to own it.
Why deposits are back in the asset-allocation conversation
After fifteen years of near-zero rates, deposits have earned a place on the fact-find again. Platforms and advisers are paying attention.
FSCS protection and cash deposits: what every adviser needs to know
FSCS cover applies per banking licence, and several brands can share one. For clients with large deposits, structuring across licences is sensible practice and supports good client outcomes under Consumer Duty.