How it works

• First, we take time to understand when you need access to your cash and the amount you want to hold in cash. We then prepare a personal illustration based on your needs.
• If you accept our illustration, we open an account in your name with Cater Allen Private Bank with your first deposit. This is your Hub Account.
• We then open a number of other savings accounts in your name with building societies, banks and NS&I. We choose accounts with competitive rates that meet your needs for security and access.
• We review your accounts regularly and switch your money as new opportunities arise. We also switch your money if new information makes us believe an institution has become too risky for you.
• You can see where your money is invested using our online client portal OmniView®. We also provide paper statements and an annual consolidated tax statement.
• When you want to make a withdrawal, we simply transfer the money back to your Hub Account and then to your personal account.