We understand that effective cash management is essential, that’s why our platform offers a range of ways for you to manage your clients’ cash, ensuring maximum value and fulfilment of your clients’ investment strategies.

If you are looking to protect your clients’ capital as they approach retirement, or through a period of economic uncertainty, our Cash Panel can support your clients’ goals, offering a solution for potential growth.

We have teamed up with some of the UK’s most reputable banks to offer the Cash Panel, a range of fixed term deposits accounts, ranging from 3 months to 5 years with attractive interest rates. The key benefits are:

  • Flexibility to choose from 5 leading banks.
  • Competitive interest rates on accounts.
  • Options from 3 months to 5 years of fixed term deposit accounts.
  • No extra charge for this service other than the annual platform fee.

Please note: The Cash Panel is available for all SIPP products administered by the James Hay Administration Company Limited. It is not available through IPS SIPP products, SSAS or the Modular ISA and Modular GIA.


Indicative rates available to James Hay SIPP clients as at 11 May 2018

  Arbuthnot Latham & Co. Cater Allen Private Bank Close Brothers Ltd Investec Bank Plc Metro Bank Plc
Minimum investment £25,000 £25,000 £25,000 £25,000 £25,000
3 months




0.35% 0.75%
6 months 0.75% 0.40%


0.55% 1.00%
9 months 0.90% 0.50% 0.95% 0.95%


12 months 1.30% 0.70% 1.65% 1.65% 1.65%
18 months 1.45%


1.70% 1.75%


24 months 1.60% 0.80% 1.80% 1.83% 1.90%
36 months 1.70% 1.00% 1.85% 1.96%


48 months 1.80%


1.95% 2.08%


60 months 2.00%


2.20% 2.16%


  Apply Apply Apply Apply Apply





All interest rates quoted are Annual Equivalent Rate (AER) and illustrate what the rate would be if interest was paid and added each year. All rates quoted are gross and interest will be paid gross* at the end of the term or at intervals determined by the account provider.

The interest rate applied will be prevailing rate on the day the money is deposited into the account. This is likely to be 2 to 5 business days after receipt of the application form.

All banks on the Cash Panel reserve the right to withdraw these facilities at any time for new money. Existing accounts will terminate at the end of the current term.

How to apply

Complete the relevant application form for the account you have chosen for your client.

Please ensure your client has read and agreed to the account terms and conditions before submitting the application. Application forms can be completed and returned to us via secure message, post or fax. When investing in the Cash Panel, it is not normally possible to withdraw money prior to the expiry date of the investment period, and if this is permitted (at the bank’s discretion) it may incur charges and other costs.

Once the application has been accepted, you will be sent confirmation of the new account, along with the interest rate and maturity date for the cash deposit.


*The gross rate is the interest rate payable before the deduction of income tax.



We have compiled a guide to the ways you can manage your cash on our platform.




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