Getting the Best Rates for your Cash

You have worked hard to accumulate your savings and you deserve the opportunity to maximise your interest rate returns.

Many people believe it is not possible to make a real difference to the returns they receive or that it is not worth making the effort. In reality it is worth making the effort because you can make a significant difference!

Our new Cash Management Service will help you to maximise your returns and your level of FSCS protection. We will provide you with a bespoke service to help you manage your savings together with a secure on-line Management System to help you keep track and control.

Do not underestimate the value you can receive from your savings. Most people already have savings and many believe their savings provider (the bank or building society) will help them get the best possible returns. This is fundamentally NOT TRUE!

Savings must be pro-actively managed to get the best interest rate return and level of FSCS protection. This can only be achieved by the right product solutions being identified quickly, and at the right time, to simplify the process.

Our service will do this by:

  • Researching and analysing all FSCS protected savings accounts registered in the UK (excluding overseas national banks) to identify the best rates of interest.
  • Building the best portfolio of deposits that meet your requirements for cash, whilst maximising your interest rate returns and FSCS protection.
  • Monitoring and reviewing your savings portfolio every 12 months to make sure it maintains its performance.
  • Providing a secure online management system to help you keep track of your accounts and account maturity dates.

    Our Approach

  • We follow 6 main principles to maximise the value of your savings.
  • Protect Your Capital – Banks and building societies can go bust and savers can lose money. We give you a portfolio taking into account the FSCS limits.
  • Banking Groups – The FSCS limit usually applies per group so if you have savings with two providers within one group you may only be covered once. Our service takes this into account.
  • Do Not be Over-Loyal – No single bank or building society can help you to maximise the value of your savings. We use the whole of market to make your money work harder.
  • Look to the Longer Term – We determine your requirements for your cash over the next few years and build the best portfolio to meet them. The longer the term, usually the better the rate.
  • Review – Every year interest rates change and become dormant. We need to review your savings every year with you to maximise your returns.
  • Research the Entire Market – With interest rates changing all the time it is difficult to keep up. Our bespoke system does this for you.

Managing your savings to make them work for you makes absolute sense. Whether you are:

  • An individual
  • *A Trustee
  • *A Charity
  • *A Company
  • *A SIPP or SSAS
  • A Power of Attorney or
  • A Court Deputy

Whether you are an individual or a professional, our service will help you to meet your personal and professional cash management objectives.

You could be earning much more from your savings, so contact us to find out how much your savings could be earning.

*These products may not be eligible for FSCS claims as they are often not in the individuals own name.

Should you require further information on this service, please do not hesitate to contact us on 01403 888490 or email us on

Aptus Care is a trading style of Aptus Wealth Limited which is registered in England and Wales. Company Registration No. 8165763. Registered Office: 2nd Floor, 5 Glynde Place, Horsham, West Sussex RH12 1NZ. Authorised and regulated by the Financial Conduct Authority