How Saving Maximiser Works

Our application pack contains everything you need to get up and running, quickly and smoothly:


  • Decide how much you wish to place in the Savings Maximiser instant access account (minimum of £25,000):
  • Review the current factsheets for indicative rates based on how much you are depositing
  • When you are happy to proceed, we will open an account in your name with Cater Allen Private Bank with your first deposit - this is your Cash Hub Account
  • We then open a number of other instant access savings accounts in your name
  • We choose accounts with competitive rates that meet your needs for security and access
  • We review your accounts regularly and switch your money when they become uncompetitive
  • We provide paper statements and an annual consolidated tax statement
  • You will be provided with online access to your hub account which gives you access to transactional history of your accounts
  • When you want to make a withdrawal, we simply transfer money back to your Hub Account and then to your personal account

Savings Maximiser Cash Hub

Savings Maximiser
ProviderAccountFeaturesIndicative Rate* (AER)Latest RatesApply
Instant AccessUp to
FactsheetApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • Competitive interest rates from leading UK banks and building societies
  • All money held in your name
  • Online Access
  • £25k minimum deposit
  • Service fee of £20 per month

* The indicative rate is not a guaranteed rate and reflects what we might achieve when we deposit your money in the Savings Maximiser service based on prevailing interest rates as at  05/04/2016. The indicative rate is based on an average rate across two UK bank accounts. The rate you achieve will be determined by the amount you deposit.

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years


per annum

More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 3% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.