Why Use Savings Maximiser



After the initial setup we do the majority of the work for you, moving your money between institutions and accounts to maximise your savings return. As the accounts are in your name we may occasionally require you to sign pre-prepared forms or perform other similar tasks.



All the accounts we open are in your name and we spread your money between different institutions to make more use of the relevant statutory protection schemes. We also monitor institutions on a regular basis to ensure they remain secure.


Saving you time


By taking away the ongoing burden of research and rate selection and by taking care of account switches in a timely manner you save time, helping to provide peace of mind with your savings.


Winning combination


The minimum initial investment into each of the Savings Maximiser is £25,000 with a minimum balance of £2,500 required in your Cash Hub Account at all times. Additional amounts can be added at any time.


The charge for the Savings Maximiser service is £20 per month with no minimum charge and our experience is that most investors increase their interest by much more than the charge. Full details are in the Savings Maximiser Terms & Conditions which are enclosed in the application pack and are available on request.


Fair Investment pedigree


Established in 2000, Fair Investment Company is independent and regulated by the Financial Services Authority and has been helping savers find competitive deals on their money  for a number of years and is in a solid position to help:


  • We understand the needs of the savers and the pressures they face
  • We understand the retail cash market and are able to access the whole of market
  • We have the expertise and infrastructure to provide a valuable and committed customer service


A specialist in the savings market, we have an enviable depth of knowledge and established working relationships within the banking sector.

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
FTSE 100 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 6% 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.

Key Benefits:

The Savings Maximiser aims to provide you with a consistently competitive rate of interest while maintaining security for your savings.

  • Maximise the return you receive.
  • Actively reviewing the UK savings market
  • Making changes on your behalf
  • Using secure and reputable institutions
  • Security of savings via UK only banking licences
  • Simple, secure and saving your time
  • Providing peace of mind for your savings


Why use Savings Maximiser?

There are many challenges faced by savers - from research and maintaining financial security, to acting promptly and dealing with customer services. Few of us have the time to carry this out every now and then, let alone on a regular basis. Savings Maximiser is designed to overcome all this and more.


How does the service work?

First, we open a Hub Account. We then use linked savings accounts from the widest choice available in the UK market in order to provide you with a competitive return. We then regularly review the savings market and make any changes necessary in order to maintain a consistently competitve rate.


How do you decide on institutions?

We review accounts from a wide range of institutions with a UK banking licence and select those we consider to offer the best overall account. To keep your rate competitive the interest payable is a key consideration but there are a number of other factors which are equally considered, including credit rating, customer service levels and scheme protection.


How often do you review my rate?

A key feature of the Savings Maximiser is that we regularly review your savings rates and move your money – but only when we are able to improve the overall rate and/or security available. 

Will I have to pay tax?

Returns from savings are paid gross where possible otherwise interest payments will be paid net of basic rate tax. Higher rates will be liable to additional tax.


Accounts available and minimums?

Savings Maximiser is an instant access account. The minimum balance is £25,000. We also require a minimum balance of £5,000 in your Hub Account at all times.


What additional features are there?

The Hub Account is provided by Cater Allen Private Bank and acts as the central account for all of your linked accounts. There are a number of additional features provided by the Hub Account, including a VISA debit card, online access to balance and transaction history, cheque book, and more.


What protection is in place?

We only use institutions with a UK banking licence and whenever possible from non-linked institutions. Therefore, each account is eligible for compensation from the Financial Services Compensation Scheme (FSCS). The current FSCS limit for deposits is £75,000 per person, per institution. Cater Allen holds its own licence for FSCS purposes, and its deposits are also fully and unconditionally guaranteed by Santander UK plc.


What is the charge for the service?

The annual charge for Savings Maximiser is £20 per month with no minimum. This charge is made monthly in advance, taken as a deduction from your Hub Account.


What happens next?

You will find everything you need to get up and running enclosed with this factsheet. However, if you do have any questions on Savings Maximiser or are unsure how to proceed, please contact our customer services team on 0845 308 2525 or email them at savings@fairinvestment.co.uk.






The frequency, nature and amount of interest may vary. The number of accounts used and the overall interest rate achievable depends on the amount deposited and your access requirements.

The indicative rates are not past performance and past performance is not an indication of future performance. The above is indicative of the interest we might achieve when we first invest your money. The rates assume two accounts are used for each notice period. More accounts may in fact be opened depending on the size of your deposit which may result in higher or lower interest rates.

This factsheet should be read in conjunction with the Hub Account T&Cs and Savings Maximiser brochure, T&C’s and the Fair Investment Company Terms of Business.