How to use the CashHub

If you are using the CashHub for the first time:

1. Login to the online Customer Centre (OCC) or Quilter app.

2. OCC user: click on ‘Apply for CashHub’ at top of the screen, or ‘Learn more’ below the list of your accounts.

   App user: select the menu tab and then ‘Apply for CashHub savings’, or ‘Learn more’ from any CashHub advert or promo card at the bottom of the account overview

3. These will take you to the CashHub welcome page containing important information and the best interest rates currently on the CashHub for easy access, notice period and fixed term savings accounts.
4. Select ‘Learn more’ to find more detailed information and answers to frequently asked questions.

1. OCC user: from the CashHub welcome page select ‘Apply now’ to begin comparing savings accounts.

   App user: select the menu tab and then ‘Apply for CashHub savings’ on the app.

2. The full range of available savings accounts will be displayed on screen. You can filter the accounts by account type. You can also filter fixed term accounts by the length of term.
3. Detailed information for each account can be viewed in its ‘Summary box’ by selecting ‘Show details’.

You can also compare interest rates on our website.

Applications for a joint CashHub account will need to be made by your financial adviser.

1. OCC user: from the CashHub welcome page select ‘Apply now’ to begin comparing savings accounts.

   App user: select the menu tab and then ‘Apply’ next click the ‘Savings Accounts’.

2. Choose the ‘Select’ option for your chosen account and enter how much you want to save in the ‘Deposit amount’ box.
   • If you decide against this or have chosen the wrong account, select ‘Remove’. This will take you back to the comparison screen.
3. You now have two options:
   • Select ‘Choose more accounts’ to make an additional deposit in another savings account. If you choose this option repeat steps 1 to 3.
   • Select ‘Continue application’ to proceed.

4. After confirming your deposit amounts and selecting ‘Continue application’ you will be asked to confirm where the money being deposited has come from (an inheritance or another savings account for example) and your annual income.
   • Use the drops down options to select your answers.
   • Select ‘Next’ to continue.
5. Select your nominated bank account. This is the bank account that you will use to make payments from and receive withdrawals into.
   • If we already have your bank account details, they will be displayed and can be selected.
   • If you want to use a different bank account, select ‘Add another bank account’ and enter the new details.
   • If we don’t hold your National Insurance Number, you will be asked to enter it.
   • If we don’t hold your nationality status, you will be asked to enter it.
   • Select ‘Next’ to continue.
6. Details of your chosen savings account/s, your answers to the questions and your bank account details will be displayed. Review these and if they are all correct select ‘Next’.
7. The declaration page will now be displayed. You will be asked to:
   • Read the terms and conditions, Financial Services Compensation Scheme information, important information page and CashHub declaration.
   • Tick a box to confirm that you have read the information provided and understand the declaration.
8. Then select ‘Submit application’ once you have completed step 7 and are happy to proceed.
9. The final screen will confirm your submitted application and the bank account details for you to make your payment to. Payment should be made by bank transfer from the nominated bank account. Should we need any further information you will be notified here.

After you’ve set up your CashHub account it will be listed in the ‘My accounts’ section of your ‘My accounts overview’ page or the ‘Accounts overview’ area of the app. Select the CashHub account for an overview of the value of your CashHub holdings and how much* interest has been paid.

*Please note if you are in a fixed term account interest is paid at the end of the term.

From here you can also:

1. Select ‘Savings accounts’ from the top of the screen to see details of each savings account you hold, or select ‘Account actions’ in the app then select ‘Savings Accounts’.
2. View the transaction history and your documents.
3. Choose to pay in, withdraw or move money from one savings account to another.

1. OCC user: from the ‘My accounts overview’ page select your CashHub savings from the list under ‘My accounts’. Select ‘Payments in’ at the top of the screen.

   App user: select ‘Account actions’, ‘payments in, ‘make a single payment’ then select the CashHub.

2. Select ‘Start’ on the next screen. This will open a comparison screen. Your existing savings accounts will be displayed at the top of the list, with potential new savings accounts listed below. You won’t be able to top up an existing fixed term account.
3. Select ‘Top up’ on the existing account you want to add money to. Alternatively, you can choose a new account.
4. Enter how much you want to add in the ‘Deposit amount’ box.
   • If you decide against this or have chosen the wrong account, select ‘Remove’. This will take you back to the comparison screen.
5. You can now select one of two options:
   • ‘Choose more accounts’ to make a deposit in an additional account. If you choose this option repeat steps 4 and 5.
   • ‘Continue application’ to proceed.

6. Your accounts will be listed again and the amount you’ve added will be displayed on your chosen account.
7. Select ‘Continue application’ to continue or choose another account to top up.
8. The final screen will confirm your submitted application and the bank account details for you to make your payment to.

For joint accounts, only the lead account holder can make withdrawals. A lead account holder can be appointed by completing the 'appointment of a lead account holder' form, which must be signed by both account holders.

1. OCC user: from the ‘My accounts overview’ page select your CashHub savings from the list under ‘My accounts’. Select ‘Withdraw’ at the top of the screen.

   App user: select ‘Account actions’, ‘Withdraw money’, ‘Make a single withdrawal’, then select the CashHub.

2. Select ‘Next’ on the next screen. This will open a list your savings accounts and details of how long it will take to make a withdrawal from each account.
3. For each account you will be given two options:
   • Select ‘Withdraw all’ to withdraw the entire value of the account, or
   • Enter a specific amount to withdraw in the ‘Withdrawal amount’ box.

If you have multiple accounts, you can choose to withdraw from more than one account at the same time.

The maximum amount you can withdraw online is £75,000. If you want to withdraw more than this amount you will need to contact us in writing.

You will not be able to withdraw money from any fixed term accounts. These will automatically pay out when they reach the maturity date.

4. Select ‘Next’ to continue.
5. A summary of your withdrawal will be displayed, together with how long the withdrawal will take.
6. You will receive a text with a security code which you will need to input before you submit the withdrawal.
7. The withdrawal will be paid into your holding account and will then automatically be paid to your nominated bank account.

When a fixed term account matures the value of the savings account will automatically be paid to your holding account. We will notify you when this happens.

To withdraw money from your holding account, follow the withdrawal process above but select your holding account instead of a savings account.

For joint accounts, only the lead account holder can move money. A lead account holder can be appointed by completing the 'appointment of a lead account holder' form, which must be signed by both account holders.

Moving money from one savings account to another is completed in two stages:

1. Moving the money from a savings account into your holding account
2. Moving the money from holding account into another savings account

1. OCC user: from the ‘My accounts overview’ page select your CashHub savings from the list under ‘My accounts’. Select the ‘Move money’ icon on the right-hand side of the screen.

   App user: select ‘Account actions’, ‘Move money’, then select the CashHub.

2. Select the ‘Move money from your savings account/s into your holding account’ and then select ‘Next’. This will open a new screen listing your savings accounts.
3. For each account you will be given two options:
   • Select ‘Move all’ to move the entire value of the account, or
   • Enter a specific amount to move in the ‘Amount to move’ box.

If you have multiple accounts, you can choose to move money from more than one account at the same time. You will not be able to move money from a fixed term account.

4. Select ‘Next’ to continue.

Your request will be processed. We’ll add a document to your online document library when the money is in your holding account and send you an email. You can also track progress via the ‘transactions’ page.

1. OCC user: from the ‘My accounts overview’ page select your CashHub savings from the list under ‘My accounts’. Select the ‘Move money’ icon on the right-hand side of the screen.

   App user: select ‘Account actions’, ‘Move money’, then select the CashHub.

2. Select the ‘Move money’ icon on the right-hand side of the screen.
3. Select ‘Move money from your holding account into your savings accounts’ and then select ‘Next’. This will open a new screen listing your savings accounts. Your existing savings accounts will be displayed at the top of the list, with potential new savings accounts listed below. You won’t be able to top up an existing fixed term account.
4. Select ‘Top up’ on the existing account you want to add money to. Alternatively, you can choose a new account.
5. Enter how much you want to add in the ‘Deposit amount’ box.
   • If you decide against this or have chosen the wrong account, select ‘Remove’. This will take you back to the comparison screen.

6. You can now select one of two options:
   • ‘Choose more accounts’ to make a deposit in an additional account. If you choose this option repeat steps 4 and 5.
   • ‘Continue application’ to proceed.

7. Your accounts will be listed again and the amount you’ve added will be displayed on your chosen account.
8. Choose ‘Continue application’ to finish moving your money.

Your request will be processed. We’ll add a document to your online document library when the money is in your holding account and send you an email. You can also track progress via the ‘transactions’ page.