Secure by design

Secure by Design

Looking after your money properly starts with how it is held.

At Cascade, security isn’t something we add later - it’s built into the way the service works from the very beginning. Every decision we make is designed to keep your money safe, clear and in your control.

Your Money Is Held in Your Own Name

Your money is always held in your own name with the banks and building societies we use.

We do not pool your money with other clients. We do not use hidden trust structures. Each bank knows exactly who you are and can deal with you directly.

This means:

  • You always know where your money is.
  • You remain the legal owner at all times.
  • Banks can speak to you directly if needed.

This simple structure is one of the most important ways we protect clients.

Protection That Works When It Matters

Because your money is held in your own name, protection schemes work exactly as they are meant to.

If the Financial Services Compensation Scheme (FSCS) ever needed to be used, claims can be processed quickly and directly. There is no reliance on third-party platforms or complex records to prove what belongs to you.

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

Spreading Your Money to Reduce Risk

Holding all your cash with one bank means too much money in one place.

Cascade helps you spread your cash across multiple banks and building societies. This reduces reliance on any single institution and, where appropriate, increases the amount protected under the FSCS.

Spreading money in this way is simple good practice - and we make it easy to do properly.

Decisions Based on Up-to-Date Information

The savings market changes all the time.

Cascade monitors the market daily, tracking rates, account rules and provider changes across a wide range of banks. This means decisions are based on current information, not outdated assumptions.

You don’t need to keep checking or second-guessing - we do that work for you.

Clear Oversight, Not Hidden Complexity

Behind the technology is a dedicated team who oversee how client money is structured and kept under review.

You receive clear information about where your money is held and why. Nothing is hidden, and nothing is overly detailed or confusing.

Security should bring peace of mind - not more questions.

Secure by Design - In Simple Terms

  1. Your money stays in your name.
  2. It’s held with established banks.
  3. It’s spread to reduce risk.
  4. Protection schemes work as intended.
  5. You stay in control at all times.

That’s what we mean by Secure by Design.