Your brand. Our savings platform. Live in weeks
Give your clients a cash savings account under your own name, with access to rates from our panel of partner banks. You own the brand and the relationship. We run onboarding, payments, the bank panel and the operations behind it.
It sits behind your single sign-on, so clients move from your platform to their savings without logging in again. No engineering team required.
Not sure which route fits? Read our guide to white-label versus API
Building a savings platform from scratch
A credible savings platform is a front-end, a ledger, bank integrations, onboarding, money movement, compliance and ongoing operations. Built in-house it’s a multi-year programme, and a distraction from what makes your business different.
- A full product to design, build and maintain
- Bank partnerships and deposit operations to stand up
- Compliance, AML/KYC and safeguarding obligations to meet
- A year or more before you can take your first deposit
What can you build
Each of these can be offered as a standard savings account or as a Cash ISA, with Bondsmith as ISA manager.
Savings marketplace
A full multi-bank marketplace under your brand
Your customers choose from easy access, notice and fixed term products across a panel of more than 20 partner banks. Every product is held through one Bondsmith account, so one onboarding covers the whole panel. It is the broadest proposition we offer.
- A standalone savings offering with customer choice
- Easy access, notice and fixed term products on one panel
- One account, one onboarding and one set of statements
Single savings product
One account from one partner bank, under your brand
You choose the bank and the product type. Bondsmith handles onboarding, payments and servicing. Your customer sees a simple savings account with a single rate.
- The quickest and simplest route to market
- Savings as a feature inside an existing product
- A specific bank relationship you want to build on
White-label savings with the Bank Deposit Sweep
One account for the customer, many banks behind it
The customer holds a single account under your brand. Bondsmith sweeps the balance across three partner banks, keeping each portion within the FSCS limit of £120,000 per eligible depositor, per banking licence, and rebalances as often as daily. The customer sees one balance and one rate.
- Separate FSCS eligibility at each bank behind the product
- A competitive blended rate
- White-label savings product
What you get
Fully branded
Your name, your colours and your domain, and it can sit behind your single sign-on (SSO). Clients see your brand throughout.
Ready in weeks
A production-grade savings platform live in weeks.
Multi-bank by default
Clients access competitive rates across the panel, with separate FSCS protection at each bank.
Full client experience
Onboarding, account opening, funding, switching and withdrawals: a complete experience out of the box.
Operations run for you
AML/KYC, money movement, reconciliation and reporting, all handled by Bondsmith.
Reporting built in
Clear statements and reporting for your clients and your team.
One account, three banks, up to £360,000 protected
The Bank Deposit Sweep is a deposit account available within Bondsmith’s panel. It can be used standalone or as part of the marketplace. Clients hold a single balance; Bondsmith sweeps it across three partner banks, keeping each portion within the FSCS limit of £120,000 per eligible depositor, per banking licence, and rebalancing as often as daily. No bank selection, no limit management, no spreadsheets.
Automatic allocation
Balances are swept once each business day and reallocated across the three banks to optimise rate and protection. Clients do nothing.
Three times the FSCS cover
Separate eligibility at each bank gives up to £360,000 of protection on a single account.
Easy access
Interest accrues daily and is credited monthly. Withdrawals land the next business day.
How it works
- 1
Scope the proposition
We agree the products, the approach to rates and how the offering fits your existing proposition.
- 2
Brand the platform
Your name, your colours and your domain are applied to the platform your clients will use. If you want it behind your existing login, we integrate it with your single sign-on (SSO).
- 3
Onboard with Bondsmith
Agreement, due diligence and set-up on the bank panel, handled once.
- 4
Launch to clients
Clients open accounts on your branded platform. We run onboarding and KYC from the first application.
- 5
Operate and report
We run service, money movement and reconciliation. You receive clear reporting for your clients and your team.
Frequently asked questions
Who is white-label savings for?
Firms that already serve clients and want to add competitive, protected savings alongside their existing investment, advice or business offering, under their own brand.
What products can we offer?
Instant access, notice and fixed term deposits from the bank panel, with separate FSCS eligibility at each bank.
How long does launch take?
Weeks. Bondsmith runs the banks, the operations and the compliance, so launching savings needs no build and no new operations team.
Do we need our own licence?
No. Bondsmith provides the regulated infrastructure and the bank panel, so you can offer savings without becoming a bank or an EMI yourself.
Can the platform sit behind our existing login?
Yes. The white-label platform can be integrated behind your single sign-on (SSO), so clients authenticate once on your platform and move straight to their savings. It can also run as a standalone branded site with its own login.