FXD Capital does not hold client money and all deposits are settled directly between the depositor and bank.

Depositors maintain direct relationships with the banks that FXD Capital introduce and they also receive access to their secure infrastructure and online banking technology.  

There is no cost to the depositor as FXD Capital is remunerated by the banks for providing the service.

FXD Capital have established relationships with a diverse range of well-known banks in the UK and internationally. While every bank is different, the one thing that they all have in common is they are of strong credit quality and offer deposit products with competitive rates.

Depositors are faced with new considerations related to sub-optimal returns and the need to regularly assess the credit quality of the banks they are placing deposits with. Despite many depositors wishing to maintain a robust cash management strategy that ensures adequate diversification of bank risk and that the best possible risk-adjusted returns are being achieved, this is an incredibly time consuming exercise and despite best efforts, these objectives may not be being met.

Depositors may lack the resources to assess the quality of a new bank who may be offering a better rate, or may find it difficult to identify good quality banks in the first place.

Our role is straightforward and the team have extensive knowledge of the deposit products and rates available in the market, as well as our banking partners onboarding timeframes and funding requirements. Our independent, objective and informed position provides depositors with market knowledge and operational expertise to provide the initial review and ongoing advice of existing arrangements, as well as the provision of supporting information and assistance for the approval and onboarding of new banks.

In summary – in return for being introduced to banks through FXD Capital, a depositor will benefit from our established relationships and access preferential rates, as well as benefit from the ongoing risk assessment and negotiation of rates and products.

Independent credit ratings and annual reports are only considered a starting-point for bank due-diligence. Along with our insights and extensive market knowledge, FXD Capital provide depositors with Counterparty Due-Diligence Assessments to easily compare Banks against each other and also benchmark against a ‘model bank’ to measure financial strength. The summary comparison allows depositors to assist understanding with a detailed financial analysis of capital strength, financial performance, funding/ liquidity provision and loan book impairments etc, as well as actively monitoring movements in the various risk categories, such as Share Price, CDS and Credit Ratings which can satisfy the depositors regulatory and corporate governance. In line with your treasury/ investment policy, it may also open up new opportunities with banks that have not been previously considered.

While interest rates change, the reality is the deposit market can be contradictory as the deposit rates offered are subject to the banks funding requirements. FXD Capital have established relationships with a diverse range of banks seeking quality depositors that provide a stable and reliable source of funding. We look to leverage our established relationships and extensive understanding of our banks funding and liquidity requirements to assist depositors with obtaining consistently competitive deposit rates from the banks we introduce.

After the initial review of a depositors existing arrangements including banks, products and rates being achieved along with the investment policy/ treasury policy criteria being maintained, the team at FXD Capital can help you implement and maintain robust risk management and reporting while ensuring competitive risk-adjusted returns.

FXD Capital have established relationships with many highly rated investment grade banks in the UK and Internationally as well as some carefully selected non-rated banks. Our diverse range of banking partners are carefully selected for their size, financials and credit rating to ensure our depositors cash holdings are secure.

FXD Capital have a diverse range of banking partners to ensures that there is a solution for every type and size of depositor.

We have extensive knowledge of the products and rates available to all depositors and the types of depositor our diverse range of banking partners seek for a stable and reliable source of funding. After a review of a depositors existing arrangements including banks, products and rates being achieved along with the investment policy/ treasury policy criteria being maintained, FXD Capital will provide a recommendation of new banks that are complimentary to a depositor’s strategy and existing arrangements.

FXD Capital consider central bank policymaker, economist and market views when providing depositors with our market insights and knowledge to assist depositors on making better informed decisions or providing a commentary to support a treasury committee or Board paper.