Useful documents and FAQs

Our accounts are available to multiple entity types. You can see if the product you’re interested in is available to your entity type by going to the summary box and checking to see if you’re listed.

We can only accept applications from entities based/incorporated in the UK and where you and any related entities (including parent companies, directors, controllers, shareholders, beneficiaries or trustees) are liable to pay tax in the UK only and are 18 years old or over.

The Terms & Conditions of the account can be found on the product pages, or should you decide to open an account with us, you'll also receive a copy with your welcome email to keep for future reference.

You can open as many accounts as you need, subject to the overall deposit limits as set out in the product summary boxes. You can find this information by choosing the savings account from our savings home page. You can deposit up to £10m in total across all the savings accounts your organisation holds with Cambridge & Counties Bank.

If you’re registered for our online savings service, you may be able to use the ‘short apply’ to save time when applying for further accounts. Check the drop-down menu once logged in to see if the account you want is available using ‘short apply.’

You can apply for a savings account online if you are a limited company, sole trader or charitable company (limited by guarantee).

Where the product allows, other entities are able to apply by downloading and completing an application form.

Visit our savings home page to select the account that best suits your needs.

We will complete an electronic identity check for everyone listed on the application, plus those we find to be associated with the entity during our checks. We will also perform entity level checks to understand the ownership/control structure.

We do not undertake Credit Bureau searches before opening savings accounts.

Once you've submitted an application, we will send confirmation of receipt to the organisation email address. We will start work on processing your application, carrying out the various checks required to verify your identity and the structure of your organisation. Please be aware that this may take longer for more complex organisational structures. Once we have completed our checks, we will email to let you know how to fund your account. Remember to check your junk mailbox if you haven’t heard from us or added our email address to your contacts list.

If we are unable to verify your identity, or personal address via electronic means, we will ask you to provide us with documents which verify this.

Documents must be certified by an independent person, who is not a shareholder, a director/controller of the customer or an investor.

• Employees of Cambridge & Counties Bank.
• Post Office Certification Service.
• A director, manager or counter staff of an authorised credit or financial institution.
• FCA authorised/regulated brokers (AFS UK).
• A director, company secretary or manager of an Approved Fiduciary Services Provider.
• A qualified lawyer or attorney, registered with the relevant national professional body.
• A qualified accountant, registered with the relevant national professional body.
• A UK notary public or a member of the judiciary.
• A registered doctor currently employed by the NHS.

The person certifying the document must:

• Print their name in BLOCK CAPITALS, sign, and date the copy, and state in writing that the copy is a true copy, of which they have seen the original.
• Confirm their position (in line with the above list of certifiers) and provide a contact telephone number, email, or address where they can be contacted.
• Where a document has a photograph, the certifier must confirm that this is a true likeness.

The certified copy should also include, where appropriate, a company/institutional stamp.

When you complete an application online we use an online attestation sent via email to authorise your application. This online attestation is a type of electronic signature and allows you to complete and authorise the application without ink or paper. On some occasions we may use software called DocuSign to do this.

By completing an online attestation you are providing confirmation of intent to be bound by the Terms & Conditions of the account.

If, for whatever reason, you would prefer not to use an electronic signature, please contact us.

If you are a micro-enterprise which is a business which employs fewer than 10 people and has a turnover or annual balance sheet of no more than €2 million (or its equivalent) or are a charity with an annual income of less than £1m, you can close your account at any point within the first 14 calendar days of the day you receive a copy of your Terms & Conditions, without penalty. Please write to us or email us to confirm your request.