Smarter cash, working harder

Tired of letting cash sit idle? Sidekick helps you make more of your money with access to high-yield savings and money market portfolios.

Maximise the rates on your cash for the short or long-term

Create a smart cash management strategy by balancing savings with low-risk investments.

Multi Shield Savings

  • Earn up to 4.23% AER (variable), including a 6 month 1% bonus on the first £120k
  • A multi-bank savings account offering blended rates and up to triple the FSCS protection (£360k)
  • Your deposits earn a single, optimised rate based on multiple savings accounts.
  • Your interest will be accrued daily and paid monthly.
  • Minimum initial deposit £10,000
Learn more

Smart Cash

  • Low-risk, high liquidity managed portfolio for cash-like returns
  • Daily returns reinvested, helping your money grow through compounding
  • Minimum initial deposit £3,000
  • Capital at Risk
Learn more

Easy Access Savings

  • Earn up to 3.70% AER (variable)
  • Interest paid daily
  • Minimum initial deposit £5,000
Learn more

Fixed Term Savings

  • Terms from 12-24 months
  • Rates up to 3.97% AER (fixed)
  • Funds securely held under FSCS protection with our regulated partner banks
  • Interest paid at the end of your term
  • Minimum initial deposit £5,000
Learn more

Please remember, investing should be viewed as longer term. Your capital is at risk - the value of investments can go up and down, and you may get back less than you put in.

The smart alternative to traditional savings accounts

Smart Cash combines the flexibility of a savings account with the returns of an investment. This money market portfolio aims to offer steady growth through compounding while keeping your cash accessible. Capital at risk.

Past performance is not indicative of future returns. Performance is shown gross of fees. Fees and charges will reduce returns.

Your money is protected with FSCS coverage

We only partner with trusted banks and regulated investment providers, and your savings and investments are covered by the Financial Services Compensation Scheme (FSCS).

Savings protection: If a partner bank were ever to fail, your deposits are protected by the FSCS up to £120,000 per person, per bank. Our Multi Shield account spreads your savings across three banks to triple your protection.

Investment protection: If our investment custodian, Interactive Brokers (IBKR), were ever to fail, your investments are protected by the FSCS. Please note, FSCS protection does not cover changes in the market or investment performance.

How to start managing your cash with Sidekick

Go to your app

Tap the cash management card on your home screen and choose a savings or investment product.

Open your account

Follow the simple on-screen instructions to set up your account in minutes.

Start growing wealth

Deposit funds into your Sidekick wallet and add them to your chosen account.

Any questions on cash management?

Quick answers to your top questions

What are the key features of Sidekick's savings products?

Range of products
We offer a range of products, including Easy Access and Fixed Term Savings accounts.

Competitive interest rates

When you open a Sidekick savings account, you’ll earn interest directly from our trusted partner banks OakNorth and Hampshire Trust Bank.

How does Smart Cash different from a savings account?

Smart Cash is an actively managed investment product, which uses different money market and ETF instruments to deliver cash-like returns and liquidity. Unlike a savings account, your capital is at risk.

What are the Sidekick bonuses?

From time-to-time we apply bonuses to the underlying savings rates provided by our partner banks. We'll let you know when a bonus is available on a product, and if you're eligible.

Any bonuses will be paid directly into your Sidekick Wallet. The Sidekick bonus rates can vary at our discretion, but we'll notify you if this happens.

Who are Sidekick's partner banks and are my funds safe?

Our savings accounts are provided by OakNorth Bank and Hampshire Trust Bank - fully regulated UK banks.

OakNorth Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 629564).

Hampshire Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204601).

Your deposits with OakNorth Bank and Hampshire Trust Bank are protected up to £120,000 per person per bank by the Financial Services Compensation Scheme (FSCS). Any deposits you hold above the limit are unlikely to be covered.

Ready to take the next step on your wealth journey?

Join Sidekick and access expert-led investments and savings designed for people serious about growing their money.

When investing, your capital is at risk.