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Smarter with Money

How to make idle company cash work without locking it up

Most companies hold more cash than they need this week, and far less return on it than they could. The usual options feel binary: leave it in a current account earning nothing, or tie it up in a deposit you can't reach when you need it.

A third option

Our Company Cash solution is a low-risk, managed investment in money-market instruments. The aim is straightforward: do meaningfully better than a near-0% current account — currently up to 2% a year — while staying liquid enough to be useful.

It is not a guaranteed bank deposit. It carries investment risk, and the yield moves with interest rates. But for operating cash you want working — without locking it away — it occupies a sensible middle ground.

We will only recommend it where it fits your liquidity needs, and we will be clear about the trade-offs before you commit a single euro.

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