Total cash held
£0.00
£3,142.80interest earned this tax year
Cash hub brings together every account you hold or have linked with us, so you can see what's earning interest and what's sitting idle.
Where your cash sits
3 accountsCash reserve
Instant access · Wealth Inc.
£45,000
4.35% AER
12-month fixed saver
Matures 14 Mar 2027
£35,000
4.80% AER
Linked current account
Barclays · ending 4471
£20,000
1.05% AER
Interest
This tax yearInterest earned
£3,142.80
Blended rate
4.05% AER
Projected over 12 months
£4,050.00
Personal savings allowance used
£0 of £500
As an additional rate taxpayer your savings allowance is limited. Interest above it is taxable.
Emergency fund
£45,000 / £39,000You hold six months of outgoings in instant access, so the target is met. £6,000 above target could be put to work.
Money in and out
Last 90 daysMoney in
+£18,400.00
Money out
−£11,260.00
Net movement
+£7,140.00
Protection
FSCS covered
£85,000
Above cover
£15,000
FSCS protects up to £85,000 per banking licence. Spreading the excess across a second provider would bring all of your cash under cover.
Make your cash work
£6,000 sits above your emergency target and £15,000 above FSCS cover. James can review options with you.