Cash Deposit Management

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DOS & Co.

Established in 2012, DOS & Co. has been serving entrepreneurs, family offices and significant wealth-holders, assisting them in establishing, running and streamlining their UK family offices, businesses, operations and lifestyles ever since.

Find out more at dosandco.com.

Family Office

We provide outsourced family office 'back office' support in London for family offices from around the world, offering a range of services from day-to-day corporate services and book-keeping to complex physical asset management and construction/renovation operations.

Discover our Virtual Family Office.

Private Counsel

As private counsel, we work a outsourced, in-house counsel to family offices, entrepreneurs and those who live and work in the public eye.

Discover Private Counsel.

Payments & Escrow

We add trust to complex and high-value payment operations.
As experienced escrow agents and payment service providers, we have the tools, relationships and experience to handle transactions of any value.

Escrow | PaymentsConstruction

Cash Deposit Accounts

Cash Deposit Accounts are our newest offering, supporting our clients in their direct pound sterling holdings, treasury and cash deposit management requirements.

We do what no-one else does.

Our cash deposit accounts offer better rates of interest than any high-street bank and zero-risk deposits, without any concerns about the FSCS threshold of £85,000 or any requirement to spread your funds between banks.

In fact, our Cash Deposit Accounts pay a higher rate of interest than any equivalent National Savings and Investments (ns&i) product as well, without the same £2 million cap.

For those with high-value deposit requirements, there is no better service presently available.

Who are these accounts suitable for?

Our accounts are available to business and private clients and are particularly suitable for protecting funds:

  • following a liquidity event (business exit, significant asset sale, lottery win or similar);
  • following an inheritance, divorce settlement or successful court proceedings; or
  • that are surplus business operational funds.

Account Options

DOS & Co. ampersand symbol
Personal Deposit

1-year term, variable

4.49%

4.49%

Gross

4.49%

AER

£448,875.00

Annual return on £10 million*

DOS & Co. ampersand symbol
Personal Deposit

3-month notice, variable

4.25%

4.25%

Gross

4.32 %

AER

£432,079.60

Annual return on £10 million*

DOS & Co. ampersand symbol
Personal Deposit

1-month notice, variable

4.02%

4.02%

Gross

4.09 %

AER

£409,101.14

Annual return on £10 million*

DOS & Co. ampersand symbol
Business Deposit

1-year term, variable

4.49%

4.49%

Gross

4.49%

AER

£448,875.00

Annual return on £10 million*

DOS & Co. ampersand symbol
Business Deposit

3-month notice, variable

4.25%

4.25%

Gross

4.32 %

AER

£432,079.60

Annual return on £10 million*

DOS & Co. ampersand symbol
Business Deposit

1-month notice, variable

4.02%

4.02%

Gross

4.09 %

AER

£409,101.14

Annual return on £10 million*

* assumes the Bank of England base rate does not change during this time. Excludes membership fee.

How It Works

We are not a bank, but we've partnered with one. Through our relationship with the Bank of London, we are able to open client accounts whose funds are held unencumbered at all times at the Bank of England.

The Bank of London

The Bank of London doesn't lend, invest or leverage your deposits like other banks, so they cannot be impacted by traditional 'bank runs' or sudden economic events.  They simply hold all of your funds deposited in full and unencumbered at the Bank of England, available on demand.

Our Trust Deed

We create a trust for every account that we open for you.  This is a 'bare trust' - at no stage do we own the funds - and that trust account comes with a unique sort code and account number, allowing you to deposit your funds in there directly by bank transfer.

All of your funds for each account are held separately under an individual trust, and they are never mixed with our own funds or anyone else's.

Our Fees & Rates

Our fees are taken as a percentage of the bank rates that we are able to offer you. The rates shown for each of our accounts are the rates that you will get (our fees have already been deducted). As our fees are calculated as a percentage of the base rate, in the event that the rate falls, so too will our fees.  We're in this together.

Our Interest Rates

We are able to offer better rates than any high street bank, and even better rates than National Savings and Investments. See more about How It Works.

Cash Deposit Rates

Our cash deposit rates are based on the Bank of England's variable base rate. Your return is directly linked to this rate and the rates shown below include our fees:

1-year deposit
Type
Fixed-Term Deposit
Gross
4.49%
AER
4.49%
Annual Return on £10m*
£448,875
3-month deposit
Type
Notice Account
Gross
4.25%
AER
4.32%
Annual Return on £10m*
£432,079.60
1-month deposit
Type
Notice Account
Gross
4.02%
AER
4.09%
Annual Return on £10m*
£409,101.14

* assumes the Bank of England base rate does not change during this time. Excludes membership fee.

Account Funding and Limits

While there is no upper limit# on your account balances, as we are in our private beta, we will only be accepting deposits of £1 million upwards. During this period, that minimum balance must be held for at least three months, after which you may withdraw funds. You can add to your funds held with us at any time.

# subject to all of the usual compliance and anti-money laundering checks.

Membership

As we launch in private beta, our accounts are open only to Members. Our membership model allows us to pass on the very best rates and offer the very best in personalised service to our members.

Membership Options

We offer private and corporate memberships. Memberships are non-transferable and may not be shared. We cannot offer memberships to clubs, charities or societies at this time.

Personal

Annual Membership
£5,000
inc. VAT
Open an Account
  • Minimum opening balance of £1 million
  • 1-month, 3-month and 1-year deposits
  • No maximum deposit#
  • Funds held at the Bank of England
  • Funds protected under Bank of London's FSCS protection

Corporate

Annual Membership
£10,000
+VAT
Open an Account
  • Minimum opening balance of £1 million
  • 1-month, 3-month and 1-year deposits
  • No maximum deposit#
  • Funds held at the Bank of England
  • Funds protected under Bank of London's FSCS protection

# subject to all of the usual compliance and anti-money laundering checks.

Private Beta: Request an Invitation

We are slowly building our customerbase to ensure that we are able to continue to provide the highest levels of client service. If you would like to open a Cash Deposit Account with us, please complete our Invitation Request Form.

Request Membership

Our Cash Deposit Accounts are available to members only. If you would like to become a member, please complete the membership form below and a member of our team will be in touch with you.

Membership Enquiry

If you would like to open Cash Deposit Account with us, you can request a membership invitation here:

Thank you for your enquiry - we'll be in touch with you shortly with your membership information.
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Frequently Asked Questions

We're sure you have some questions. We've set out below the answers to some of the most common ones. Nevertheless, please do contact us if you have any further questions or would like any further information.

About DOS & Co.

Cash Deposit Accounts

Eligibility

Account Opening

Protecting My Funds

Notices & Regulatory

DOS & Co. Ltd. is a company registered in England and Wales with company registration number 08294966. Its principal place of business is at China Works, 100 Black Prince Road, London SE1 7SJ, where you can meet with us by appointment only.

Our registered office is at 56 St. George's Square, London SW1V 3QT.

Financial Conduct Authority

DOS & Co. Ltd. is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN: 833374) for the provision of payment services.

No Investment Advice / Management

We are not authorised to provide investment advice, nor to arrange or bring about or deal in investments, and we do not do so. Our Cash Deposit Accounts are risk-free trust accounts opened through the Bank of London and deposited unencumbered at the Bank of England.

No information set out on this website constitutes advice, advertisement, an invitation, a confirmation, an offer or a solicitation to buy or sell any investment or lending product or to engage in any investment activity, or an offer of any financial service.

Contact Us

We've set out above how you can Request a Membership Invitation and some of the answers to our most Frequently Asked Questions.  If there is anything else we can assist you with, we'd love to hear from you.

Please let us know your contact details and the nature of your enquiry and we'll be straight back in touch with you.

Thank you for your enquiry.  We'll be in touch shortly.
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Impact

DOS & Co. believes in business with purpose. We are a Certified B Corporation and a founding Member of We are PRIME.

Certified B Corporation

B Corporation Areas of Influence

DOS & Co. envisions a global economy that uses business as a force for good. This economy is comprised of a new type of corporation - the B Corporation - which is purpose-driven and creates benefit for all stakeholders, not just shareholders.

As B Corporations and leaders of this emerging economy, we believe that we must be the change that we seek in the world; that all business ought to be conducted as if people and place matter; that, through our products, practices and profits, businesses should aspire to do no harm and benefit all.

To do so requires that we act with the understanding that we are each dependent on one another and thus responsible for each other and future generations

View the B Corporation Directory

We are PRIME™

At DOS & Co., we believe that sustainable business is about more than just doing our thing for the environment and sponsoring charitable events.  To make a genuine difference at such an important time for our planet and our community, we have pledged to support and adhere to the PRIME Principles for sustainable business.

It is our intention that six simple Principles will come, in time, to serve as the backbone upon which our business is built, empowering our colleagues and ensuring that our families and children will be able to enjoy the fruits of our labours in generations to come.

Those Principles are:

Being Environmentally Better;
Embracing Sustainable Innovation;
Spreading the Word;
Delivering Impact;
Making a Difference; and
Being Accountable.

We have started to look at ways that we can act upon these intentions, and we published our first Official PRIME Score in 2020 in order to track our own progress against these aspirations.

The PRIME Principles do not offer a ‘set and forget’, or ‘checkbox’ opportunity for us to show off our sustainability credentials.  By their nature, they are tough, and achieving a high score is not going to be easy.  We absolutely aspire, however, for each of these six Principles to become pervasive within our culture as a business, so we’re going to try and make that so.

Find out more about the PRIME Principles and how they can help you to achieve sustainable business beyond the balance sheet:

Discover We are PRIME