Your cash savings deserve better. And so do you.

True Potential Cash Savings lets you open and manage multiple savings accounts from a range of UK banks, all in one place, from your existing True Potential account.

You must be aged 18 or over, a UK resident, and hold a UK bank account in your own name.

The service allows you to open personal savings accounts in your sole name.

Joint accounts or business accounts are not currently supported.

Cash Savings is a non‑advised service, designed to be straightforward and easy to use. Our financial advisers can explain the service and benefits to you, but they cannot provide advice or recommendations on Cash Savings.

There is no charge for you to set up, manage or withdraw from your Cash Savings.

Our banking partners are charged a small share of the interest rate, before the rates are displayed. So, the rate you see is always the rate you receive.

Minimum deposits vary by product, but some easy access accounts accept deposits from as little as £1, while fixed term and notice accounts usually have higher minimums.

Interest is paid gross without tax deducted. You will be responsible for paying any tax due above your Personal Savings Allowance.

We offer three main types of savings account:

Easy access accounts:

• For immediate liquidity and convenience, these accounts provide instant access to your funds without any notice requirements
• Interest rates can change and may be lower compared to other options
• Useful for emergency situations or short-term needs

Notice accounts:

• Strike a balance between higher returns and reasonable access to your money
• You can withdraw funds after a specified notice period, allowing you to plan for upcoming expenses or financial needs
• Interest rates can change

Fixed term accounts:

• Typically pay the highest rates, which are fixed, but your money is locked in for a period of time
• With no access to funds until the period ends, these accounts offer stability and predictable returns and are more suited to more medium-term needs

You are free to hold multiple account types at the same time — for instance, maintaining an easy access account for liquidity while locking a portion into a two-year fixed term savings account for a higher guaranteed return.

True Potential Cash Savings is designed for existing True Potential clients who want to ensure their short-term savings are working harder — whether that’s an emergency fund or a short-term savings goal. It provides the convenience of easily managing cash alongside your True Potential investments.

It’s different to our other investment products, such as our ISA or Pension, which are intended for long-term investments to support your retirement and other similar goals.

It’s also open to new clients looking for a straightforward, modern savings service.

Cash Savings is a non-advised service — you make your own decisions about which accounts to hold.

We’ve partnered with Bondsmith, a specialist provider of savings and banking services to the wealth management and investment industry.

True Potential acts as a distributor, giving you simple access to a wide range of savings products through your True Potential account.

They are authorised and regulated by the Financial Conduct Authority and have built deep relationships with a network of UK banking partners to provide access to competitive rates not always available directly to retail customers.

By partnering with Bondsmith, True Potential is able to offer clients a seamless, fully integrated cash savings experience that sits naturally alongside existing investment accounts — without clients needing to deal with multiple separate banks or platforms.