Launch a Cash ISA under your brand
Bondsmith acts as ISA manager and delivers a complete, flexible Cash ISA in weeks. Choose a single swept account or a panel of banks, deliver it white-label or through the API, keep your brand, and leave the administration and HMRC reporting to us.
Your customers expect a Cash ISA
Cash ISAs are one of the most searched-for savings products in the UK. Without one, cash leaves your proposition for a bank’s ISA and rarely comes back.
- Tax-free interest makes a Cash ISA the default choice for a customer’s first savings
- Becoming an ISA manager means HMRC registration, reporting, allowance tracking and transfer administration
- Building the product yourself ties up product and compliance teams for a year or more
Two ways to deliver it
Either model is available through our white-label front end or the savings platform API, so it fits inside your own product or runs as a branded platform.
Cash ISA via Bank Deposit Sweep
One Cash ISA under your brand. Customer money is swept across a panel of banks for separate FSCS eligibility at each, with a single rate and a single statement. The simplest route to market.
Best for: Fintechs and platforms that want one product and one rate.
About Bank Deposit SweepCash ISA with a panel of banks
Customers choose ISA products from multiple banks and hold them inside one ISA wrapper. They can move between banks and rates without losing tax status.
Best for: Wealth managers and platforms that want choice and competitive rates on show.
About the white-label savings platformAbout the savings platform APIBuilt in from day one
Flexible ISA
Withdraw and replace within the tax year without using allowance twice.
Transfers in
Accept Cash ISA and Stocks and Shares ISA transfers from other managers.
Transfers out
Full transfer-out support to meet ISA regulations.
Bondsmith is the ISA manager
HMRC registration, annual returns and compliance sit with us.
Allowance tracking
Subscription limits monitored across the tax year.
Year-end reporting
Statements and HMRC reporting produced for you.
How it works
- 1
Choose your model
Swept account or panel of banks, under your brand.
- 2
Integrate
API, or white-label front-end if you’d rather not build UI.
- 3
Launch
Live in weeks, with Bondsmith as ISA manager.
- 4
We run it
Administration, transfers, reporting and customer money movement handled.
Ready to launch a Cash ISA?
Tell us about your customers and we will come back with a recommended model and timeline.
Tax treatment depends on individual circumstances and may change.