A Fixed Term Deposit is a product that pays a fixed interest rate on surplus cash placed on deposit for an agreed term. Because the funds remain on deposit until maturity, the return is predictable and may be higher than an instant access account.

Businesses authorised by the Financial Conduct Authority (FCA) must hold ‘client money’ in accordance with the Client Assets Sourcebook rules. A Client Monies Account (CMA) is essential for safeguarding these funds in a separate account, ensuring compliance with regulations and enhancing client trust and confidence.

Cash Concentration is an automated cash management solution that consolidates funds from multiple accounts into a single position, providing real-time visibility and optimising interest returns. It’s ideal for businesses seeking greater control, efficiency, and transparency in managing company-wide liquidity and cashflow.

Liquidity Management Dashboard is an interactive HSBCnet dashboard giving a consolidated global view of cash and liquidity across HSBC and third-party banks, with trend analysis to support better cash management decisions.