All products held with the James Hay Partnership are linked to a product bank account. All product bank accounts are held with Santander.

The Santander account currently earns an interest rate of 0.00001% gross p.a. (variable interest rate of 15/16th of 1% below Bank of England base rate; minimum rate 0.00001%)

The product cash accounts are in place to hold un-invested cash and are not designed to be a substitute for investment.

For more information on bank accounts held through the James Hay Partnership, please read our Cash Management Q&As for Modular iSIPP