Smart Cash

A smarter alternative to savings

A low-risk money market portfolio that offers higher returns than traditional savings accounts while maintaining access to your money. Capital at risk

Outpace traditional savings accounts

Unlock higher growth potential and stay ahead of inflation - so your money doesn’t just sit there, it actively grows.

Aims to provide a higher return than traditional savings accounts.

All returns are automatically reinvested, allowing your money to grow incrementally over time through compounding.

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

Enjoy security and flexibility

Our team has constructed a money market portfolio that invests in diversified, low-risk assets. This managed portfolio tracks a trusted benchmark, providing a low risk way to manage your money while ensuring easy access.

Spread across multiple institutions to protect against counterparty risk.

No long commitments or locking your money away. Capital at risk.

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.

Why manage your cash with Sidekick?

Stable growth

A cash-like money market portfolio with automatic reinvestment, helping your money grow over time.

Low risk

Invest in high-quality, short-term assets, designed to preserve capital and reduce market volatility.

High liquidity

Easily access your funds when needed, with funds returned within 2 working days.

How to invest in Smart Cash with Sidekick

Go to your app

Tap the cash management card on your home screen and choose Smart Cash

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 Smart Cash portfolio

Any questions on Smart Cash?

Is Smart Cash safe?

Smart Cash invests in low-risk, short-duration fixed income assets, but it is still an investment product. The value can go up or down, and capital is at risk. However, these instruments are considered relatively stable compared to other asset classes.

Who manages Smart Cash?

Smart Cash is managed by Sidekick, using funds from top-tier managers like BlackRock. We actively monitor and rebalance the allocation to target the best mix of yield, liquidity, and risk.

Can Smart Cash lose value?

Yes. While the risk is low, Smart Cash is an investment, not a savings product. The value of your holdings can fluctuate, particularly with interest rate changes. That said, the underlying funds invest in short-term, high-quality instruments designed to preserve capital and offer liquidity.

What’s the difference between Smart Cash and just buying a money market ETF myself?

With Smart Cash, you get:
1. A curated blend of funds for enhanced diversification
2. Active rebalancing by Sidekick
3. No DIY trading or portfolio admin
4. A consolidated view and simple withdrawal flow

It’s built for convenience, optimisation, and simplicity - ideal if you want professional-grade cash management without the hassle.

View all FAQs

Download the Sidekick app today

Important Information
Investing puts your capital at risk. The value of investments can go down as well as up, and you may get back less than you put in. If you’re not sure whether an investment is right for you, it’s best to speak to a qualified financial adviser.

Please note that the tax treatment of Sidekick products depends on individual customer circumstances and may be subject to change in the future. If you are uncertain about the tax implications of our products, you should contact HM Revenue & Customs (HMRC) or seek independent tax advice.

Regulatory Information

Sidekick Money Ltd is a company registered in England and Wales (No. 13882980). Sidekick Money Ltd is authorised and regulated by the Financial Conduct Authority (FRN 984829). Our address is 21-33 Great Eastern St, London, EC2A 3EJ.

Payment and e-money services (Non MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Sidekick Money Ltd also provides investment management and lending services. These are separate and unrelated to the account and payment services you receive from The Currency Cloud Limited.