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Insignis Cash review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Insignis Cash pays a variable rate on a cash management account, with a headline rate of 4.4% to 4.61% and a minimum deposit of £0, so it suits anyone building a balance from a small starting point. The rate can move during a term, so anyone wanting a fixed headline should weigh the trade-off.

Key facts

Best for
A variable cash management account with a £0 minimum deposit and fixed term options
Headline rate
4.4% to 4.61%↗
Rate type
Variable↗
Term
6 to 60 months↗
Minimum deposit
£0↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Easy access, notice and fixed-term deposits up to 5 years↗
Account kind
Cash management↗
Legal entity
Insignis Asset Management Limited↗
Headquarters
United Kingdom↗
Founded
2017↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
insigniscash.com

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Deposits are covered by the FSCS, with cover stated as FSCS up to GBP 85,000.
  • The headline rate of 4.4% to 4.61% sits above the 3% median across savings accounts on the site and the 3.46% median in the cash management ranking.
  • Terms run 6 to 60, so you can move between easy access and fixed deposits without changing provider.
  • Support runs on email, phone and help centre, so help comes by phone, email or the help centre.

Cons

  • The rate type is variable, so the 4.4% to 4.61% headline can move during a fixed term instead of being set at the start.
  • Support runs on email, phone and help centre only, with no live chat for quick questions.
  • Cash management is a small corner of the market at 3.8% of the brands on the site, against 75.2% for easy access, so there is less to compare.
Insignis Cash

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Anyone starting small, since the minimum deposit on the cash management account is £0
  • Savers who want a variable headline of 4.4% to 4.61% and the option to fix money for 6 to 60
  • People who want to reach help by phone or email through email, phone and help centre

Who should look elsewhere

  • bunq, whose headline rate is 3.01%, if a lower return on your money matters more than a term deposit
  • Wise, at 3.29%, if a multi-currency balance suits you better than a single UK deposit account

Deposit protection

Deposits are covered by the FSCS, and the stated cover is FSCS up to GBP 85,000. The account is run under a Financial Conduct Authority permission granted under the Payment Services Regulations, and the permission number is 813442. Because the scheme covers a set limit rather than the whole balance, anything held above that point depends on the provider's own credit.

Rates and card terms

The headline rate is 4.4% to 4.61% and the rate type is variable, which puts it above the 3% median for savings accounts on the site and above the 3.46% median in the cash management ranking. Terms run 6 to 60, so a balance can sit in easy access or be fixed for the longer window. Variable pricing cuts both ways, because it can follow the market up and follow it down, and a fixed term does not lock the rate. That makes the rate on the day you open the account the rate that counts.

Access to your money

The account covers Easy access, notice and fixed-term deposits up to 5 years, and term lengths run 6 to 60. Because the rate type is variable, an easy access balance tracks whatever the current rate is, while money in a fixed deposit is still priced at that same variable rate for the whole window, so the term decides how long money stays put rather than the rate you are quoted. Cash like this tends to be worked with, so the access and notice options matter as much as the headline.

The company behind it

The provider is Insignis Asset Management Limited, founded in 2017 and based in the United Kingdom. It is authorised by the Financial Conduct Authority under the Payment Services Regulations, with permission number 813442. Support runs on email, phone and help centre, so help is available by phone and email as well as in the help centre, which matters when money is fixed away and a question needs answering quickly.

How Insignis Cash compares

Where Insignis Cash is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (Payment Services Regulations 2017) (813442), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Insignis Cash pay on deposits?+

The headline rate is 4.4% to 4.61% and it is variable, so the figure moves with the market rather than being set for the whole term. The median savings headline on the site is 3%, so this sits in the upper part of the field. Compare it against bunq at 3.01% and Wise at 3.29% before you commit.

Is my money protected if the provider stops trading?+

Deposits are covered by the FSCS, and the provider states cover as FSCS up to GBP 85,000. The FSCS is the UK scheme behind eligible deposits, so money inside the stated limit is backed by the scheme. Anything held above that limit sits with the provider rather than the scheme, which matters more for larger balances.

Who regulates Insignis Cash, and what is the permission number?+

The account is authorised by the Financial Conduct Authority under the Payment Services Regulations, and the permission number is 813442. That number is the quickest way to confirm the provider behind the account is the one described here, and the registration is in the UK.

How much do I need to open an Insignis Cash account?+

The minimum deposit is £0, so an account can be opened from a small starting balance. Insignis Cash ranks 1 of 379 brands on this measure. The variable headline rate of 4.4% to 4.61% then applies to whatever balance you hold, in easy access or in a fixed deposit.

How long do I need to leave my money in?+

Terms run 6 to 60, and the account covers Easy access, notice and fixed-term deposits up to 5 years. The shortest commitment and the longest sit a long way apart, so you can begin in easy access and move to a fixed deposit once you know what you can leave. The term decides how long the money stays put, not how the rate is set, since the rate is variable.

How do I get help with the account?+

Support runs on email, phone and help centre, so you can email, call or read the help centre. Having phone and email together means a fixed deposit is not a reason to sit without an answer. The account is provided by Insignis Asset Management Limited, based in the United Kingdom and founded in 2017, so there is a named company behind the service.

How does the rate compare with bunq, Wise and Finteres?+

The headline rate here is 4.4% to 4.61%, against 3.01% at bunq and 3.29% at Wise. Finteres lists 0% to 36%, a far wider range than the rest. These are not like for like products, so the rate on its own is a starting point for the comparison rather than the last word.

Who is behind Insignis Cash?+

The provider is Insignis Asset Management Limited, founded in 2017 and based in the United Kingdom. It holds a Financial Conduct Authority permission under the Payment Services Regulations, and the permission number is 813442. The account is a cash management account, so the balance is meant to be worked with rather than left untouched.

Sources

  • insigniscash.com/about-us checked September 26, 2026

    Backs: Founded

    “Insignis has been helping clients manage their cash savings since 2017. We were founded by former investment bankers Paul Richards and Giles Hutson.”

  • insigniscash.com/frequently-asked-questions checked September 26, 2026

    Backs: Access terms, Minimum deposit, Support channels, Term

    “We offer a wide range of account terms, including Easy Access, Notice Accounts, and Fixed Term Deposits up to 5 years.”

  • insigniscash.com/how-it-works checked September 26, 2026

    Backs: Account kind, Headline rate, Pricing model, Rate type

    “Insignis gives you access to a range of savings products from a panel of UK banks and building societies, all through a single platform.”

  • insigniscash.com/legal/legal-information checked September 26, 2026

    Backs: Deposit protection, Headquarters, Legal entity, Licences

    “Our company's registered address is St John's Innovation Centre, Cowley Road, Cambridge, England, CB4 0WS.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Insignis Cash

Insignis Cash

A variable cash management account with a £0 minimum deposit and fixed term options

9.0/10See alternatives