Depositor protection

Protect Your Cash

When you're holding a large amount of cash, keeping it safe is just as important as earning interest.

Many people focus on rates, but overlook where their money is held and how protected it really is. Cascade helps you protect your cash properly - by keeping it clear, well spread and under your control.

Why Cash Protection Matters

Banks are generally safe, but no bank is risk-free.

If too much money is held with one bank, anything above the protection limit could be at risk if that bank were to fail. This is easy to miss, especially when money has been left in the same place for years.

Protecting your cash isn't about expecting something to go wrong - it's about being sensible and prepared.

How Protection Works

In the UK, most banks and building societies are covered by the Financial Services Compensation Scheme (FSCS).

The FSCS protects up to a set amount per person, per banking licence. If you hold more than that amount with one licence, the excess may not be protected.

Some banks share the same licence, even if they use different brand names. This means protection may be less than it appears.

How Cascade Helps Protect Your Cash

Cascade helps you protect your money by spreading it across different banks and banking licences.

We take care to ensure your money is not just spread across different brands, but across genuinely separate licences where protection applies separately.

Your money is always held in your own name, not pooled with other clients. You remain the legal owner at all times.

Protection That Works When It's Needed

Because your money is held in your own name, protection schemes work exactly as intended.

If the FSCS ever needed to be used, claims can be handled directly and quickly. There is no reliance on third-party platforms or complex records to prove what belongs to you.

This avoids delays and confusion at a time when clarity matters most.

Ongoing Oversight

The savings market changes regularly.

Cascade monitors banks, accounts and rules on an ongoing basis. This helps ensure your money remains appropriately protected over time, not just when it is first placed.

You don't need to keep checking - we do that for you.

In Simple Terms

  • Holding too much cash with one bank increases risk.
  • Protection limits apply per banking licence.
  • Different brands can share the same licence.
  • Spreading money improves protection.
  • Cascade helps you do this clearly and properly.

Why People Trust Cascade

  • Your money stays in your own name.
  • It's spread across banks to reduce risk.
  • Protection schemes work as intended.
  • You save time and avoid complexity.
  • You gain peace of mind.

Protecting your cash doesn't need to be complicated. Cascade makes it simple, clear and secure.