The need
Most UK savers and advisers face the same problem: Cash is hard to manage well.
Too much money sits in outdated accounts earning low interest. Comparing alternatives is time-consuming, switching feels inconvenient, and many clients don’t know where to start.
Research by the FCA confirms this experience: large volumes of savings remain in old accounts, transparency is limited, and switching activity is low - with 80% of easy access accounts untouched for years.
The FCA’s proposed remedies - clearer information, easier switching, tools to view accounts in one place, and greater transparency - highlight what the market needs. But clients and advisers still lack a practical way to put these principles into action.
Our Approach
Cascade was created to close that gap:
Clear comparison of current market rates
Simplified switching and administration
Whole-of-market visibility in one place
Bespoke cash illustrations tailored to protection, access and return
By turning regulatory insight into real-world solutions, we help clients and advisers unlock better outcomes from cash.
Turning FCA Principles into Practical Outcomes
Clearer Information
Cascade provides clear, bespoke cash illustrations showing how funds can be allocated across institutions and time periods, making it easy to compare options and understand the impact on access, protection and return.
Easier Switching
By bringing multiple providers and rates into one service, Cascade removes the friction traditionally associated with moving cash, allowing clients and advisers to adjust allocations efficiently within agreed parameters.
Greater Convenience
Cascade offers a single, consolidated view of cash held across multiple banks and building societies, simplifying oversight while maintaining client control and individual account ownership.
More Transparency
Cascade’s daily-updated dataset ensures rates are current and visible, helping clients avoid cash being left in underperforming accounts and supporting timely, informed decisions.
Why Cascade is Different
Held in Your Own Name
With Cascade, your money is always held in your own name. We do not use pooled or hidden bare trust structures. Every bank or building society knows exactly who you are and can deal with you directly.
This means protection schemes work as intended, and in the unlikely event they are needed, your money can be returned as quickly as possible with minimal administration. It’s the safest, most transparent way to manage cash.
Security That Works When It Matters
Whole-of-Market Access
By spreading cash intelligently, clients can balance access, protection and return - rather than being limited by the constraints of a single provider or platform.
This diversification not only improves protection but also unlocks more competitive rates, without sacrificing liquidity or control. Supported by a daily-updated market dataset, Cascade ensures cash is actively managed, not left behind.
