Frequently asked questions

Bondsmith is the deposit platform: the infrastructure layer that lets banks, wealth platforms, advisers, fintechs and corporates offer competitive, protected cash deposits without building the infrastructure themselves.

No. Bondsmith is the technology and operations layer between depositors and a panel of partner banks. Client deposits are held at PRA-authorised, FCA-regulated UK banks.

Yes. Most partners run Bondsmith white-labelled, with their own name and experience, or embed savings through our API. Your clients never need to see Bondsmith.

No. Bondsmith provides the regulated infrastructure and the bank panel, so you can offer savings without becoming a bank or an EMI yourself.

You choose the model that fits: a REST API with webhooks for a fully embedded experience, the white-labelled platform with little to no engineering, or a combination of the two, for example the white-label front end alongside API-driven reporting. The white-labelled platform can be integrated behind your single sign-on (SSO), so clients do not need a second login.

A white-labelled savings proposition can be live in weeks. An API integration typically takes a similar timeframe, driven mostly by your own build. Both are faster than building deposit infrastructure in-house.

Contact us about your clients and what you want to offer, and we’ll shape the right approach: API or white-label.

Bondsmith connects your deposit products to the wealth platforms, advisers and fintechs that work with Bondsmith, giving you access to stable deposit funding from all client types, individuals, businesses, charities and trusts, through a single integration and one operational relationship.

Onboarding, due diligence and integration are handled once, with Bondsmith operating the flows, reconciliation and reporting on an ongoing basis. Contact us and we’ll walk through the process.

Yes, Bondsmith can deliver a new direct channel (such as a Cash ISA or SME savings) or take on the outsourcing for your entire deposit book. Bondsmith can also help with Operational Resilience planning as an alternative direct deposit platform.

Bondsmith can integrate with your bank and deliver a savings API, enabling you to start your own direct embedded savings partnerships.

Your provider is the quickest route for questions about your balance, transactions or account. They run your savings experience; Bondsmith provides the infrastructure behind it.

If you save with Bondsmith directly, sign in at savings.bondsmith.co.uk.

Deposits placed with UK partner banks are eligible for FSCS protection up to £120,000 per eligible depositor, per banking licence. In the event of a bank failure the process of returning your money is automatic. Deposits placed via a savings marketplace like Bondsmith may take longer than 7 days to be returned.

Yes. Bondsmith is a trading name of Bondsmith Savings Ltd. Bondsmith Savings Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 1021751 (opens in a new tab)). It is also authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money and the provision of payment services (Firm Reference Number 955601 (opens in a new tab)).

Bondsmith is ISO 27001 certified, independently penetration-tested, and built with segregation, reconciliation and audit-ready reporting throughout.