Launch savings without building the infrastructure
Fintechs use Bondsmith to launch a savings product in weeks. Bank relationships, permissions and operations all come through one integration, so your team stays on the product.
Savings is hard to build alone
Standing up a compliant savings product from scratch means bank partnerships, regulatory permissions, money movement, AML/KYC and reconciliation, all before you’ve written a line of differentiating product. Most teams can’t justify the detour.
- Bank partnerships take months to years to secure, one at a time
- Money movement, reconciliation and AML/KYC are heavy to run in-house
- Engineering time goes to plumbing instead of your core product
- Getting FSCS and protection messaging right takes specialist knowledge
How Bondsmith helps
Multi-bank from day one
Twenty-plus partner banks through one relationship, with competitive rates and separate FSCS eligibility at each bank.
Operations handled
Onboarding, AML/KYC, money movement, ledger and reconciliation, all run by Bondsmith.
Ship in weeks
A production savings product live fast, through documented APIs, webhooks and SDKs, or our white-label front-end.
What you can launch
Interest on in-app balances
Pay competitive interest on money users keep in your app, held as FSCS-eligible deposits across the bank panel.
A full savings range
Instant access, notice and fixed term products from the bank panel, inside your own experience through the savings platform API, or on our white-label savings platform.
Cash ISA
A Cash ISA inside your app, with the same bank panel and the same reporting as the rest of your savings range.
Launch a Cash ISA in weeks
Bondsmith acts as ISA manager and delivers a flexible Cash ISA under your brand, either as a single swept account or across a panel of banks, white-label or through the API. Transfers in, allowance tracking and HMRC reporting are all handled.
Add a tax-free savings product to your app without becoming an ISA manager yourself.
- Flexible ISA
- Transfers in
- Bondsmith is ISA manager
- Live in weeks
The products behind it
A branded front-end if you’d rather not build the UI.
Documented APIs, webhooks and SDKs to embed savings in your own app.
One account, swept across three banks.
A flexible Cash ISA under your brand, with Bondsmith as ISA manager.
“Starting today, our customers can actively save and earn interest on their deposits, a major step towards enhancing their financial wellbeing.”