Cash concentration
Eliminate idle balances across all of your company’s accounts with the ability to physically transfer (“sweep”) excess funds into a single master account.
Interest enhancement
Improve credit interest rates with preferential pricing based on total balances across all of your accounts, regardless of location or currency.
Deposit account
Earn greater interest on excess cash by holding it in an account separate from your primary business account.
Notional pooling
Pool balances across several participating accounts in a single currency or multiple currencies to earn interest on the net aggregate without actually commingling funds.

Preserve capital and maintain liquidity. To support and grow your business, you need to make the most of excess balances. This involves not simply knowing where cash is, but also having the right tools to access and use funds in the most effective way possible. That’s why our savings, equity and investment solutions are designed to help you consolidate balances for faster, easier access to capital when it’s needed – helping you put idle funds to work growing liquidity and protecting your business.

To support and grow your business.

Preserve capital and maintain liquidity.
With our Investments solutions, you need to make the most of excess balances.you need to make the most of excess balances..

CASH CONCENTRATION

Eliminate idle balances across all of your company’s accounts with the ability to physically transfer (“sweep”) excess funds into a single master account.

INTEREST ENHANCEMENT

Improve credit interest rates with preferential pricing based on total balances across all of your accounts, regardless of location or currency.

NOTIONAL POOLING

Pool balances across several participating accounts in a single currency or multiple currencies to earn interest on the net aggregate without actually commingling funds.

PREMIER FINANCIAL ADVISE

  • Premier Finacial Advise

    Advice for you, not someone like you. Whether your dream is to retire in style, manage and grow your wealth or provide financial security for the future of your loved ones, with the help of your dedicated Premier Relationship Manager, a qualified financial adviser, you could start to build the future you’ve imagined. You may be eligible for COB Premier Financial Advice Service if you have $50,000 or more in savings and investments, are at least 18 years old.

    Restricted advice
    No-obligation discussion
    Clear costs
    In-depth assessment
    Intelligent risk profiling
    Global and local expertise

COB STAND-ALONE INVESTMENT ADVICE

What is COB Stand-alone Investment Advice?

  • A focused advice service where we will evaluate your investment needs and provide you with written recommendations suited to your requirements
  • Low advice fee
  • Should you require any other financial advice such as protection, pension, estate planning or other investment needs we can put you in contact with a Premier Relationship Manager who will be happy to discuss our full financial advice planning service of which will be subject to eligibility.
  • Eligibility for COB Stand-alone Investment(opens an overlay window)
  • We have chosen to offer you advice from a range of products from a limited number of carefully selected companies, including COB. We do not recommend products from the whole of market. This is known as Restricted Advice.
  • The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. It's important to remember that most investments should be held over the medium to long-term and there you should be prepared to commit to at least 5 years.

Onshore Investment Bond

Managing and growing my wealth

The COB Onshore Investment Bond is a lump sum investment providing you with the potential for capital growth while still allowing you to make withdrawals from your investment. The COB Onshore Investment Bond has been designed as a medium to long-term investment.

Features & benefits

  • Invest for growth or income, or both
  • Switch between funds with no immediate tax liability
  • Trusts to help mitigate Inheritance Tax
  • Arrange regular or one-off withdrawals
  • Transparency - no hidden costs

Eligibility

  • UK resident aged 18 or over
  • Minimum investment £5,000
  • No maximum investment limit

The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments, this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.

Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.

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Experts in you

As a global bank, we understand that everyone's different. That's why we place great importance on understanding you and your needs. By identifying your personal hopes and dreams, we can start helping you build the future you want. Whatever that may be.

We realise the importance of making the right financial decisions and the impact they can have on your future plans. That's why our advisers go to great lengths to understand you and your goals, offering you holistic advice. What we mean by this is that we assess your needs across all of the following five areas:

protecting you and your family
saving for your children's future and education
planning for your retirement
managing and growing your wealth
passing on your wealth
Finding the right fit
To help you identify the level of investment risk you're comfortable with, we've developed our most advanced risk profiling tool yet. Using dynamic visuals, the tool accurately assesses your approach to risk and also helps you understand exactly what that approach means for you - putting you in control of your investment decisions.

A new world of advice
We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including COB. Your adviser will discuss the types of products and services we provide advice on. They will also explain those areas in which we don't such as specific tax advice.

All of our advisers meet high standards of qualification and have signed up to an ethical code to treat customers fairly. They will clearly explain our advice fees upfront and will be happy to answer any questions you may have.

Who is eligible?

COB Premier Financial Advice Service is only available to UK residents who have $50,000 or more in savings and investments and who are at least 18 years old.

You'll also need a COB or First Direct current account or savings account* for us to be able to deduct your fee.

Excluding COB Online Bonus Saver, COB Online Saver, any COB or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver.

If you don't qualify for COB Premier Financial Advice Service, or if you'd prefer not to pay for advice, see our self-directed investment options.

If you are not a UK resident, please refer to our COB Expat service.

How it works
If you're interested in seeking financial advice from COB, this is what you can expect from us:

Your no-obligation discussion
Your adviser will discuss your goals and circumstances and whether you might benefit from financial advice. They will also explain our Advice fees.

Your financial planning review
If you decide the service is right for you we'll then begin an in-depth assessment of your current circumstances and future goals.

We'll assess your needs in 5 key areas; protecting you and your family, your children’s future and education, managing and growing your wealth, retirement planning and passing on your wealth. Using our sophisticated risk profiling tool, we'll help you identify your investment risk tolerance so we can tailor our recommendations to reflect your individual needs. If you agree to the Advice Fee we will then proceed to creating your bespoke financial planning report.

Our report and recommendations
We'll then create a bespoke financial plan outlining our recommendations, including strategies and solutions that will help you build the future you want. Your adviser will then arrange a meeting to discuss their recommendations. They will talk you through the financial planning report and explain the total costs involved for advice and any product related charges, and also answer any questions you may have before implementing any recommendations with which you wish to proceed.

Things to consider
We charge for our service - our fees vary depending on your individual needs. Your adviser will clearly explain our fees upfront and the type of advice we offer in your initial, no-obligation discussion.

Fees for our Full Advice Service
Report Only Fee $420 including VAT
Report & Implementation Fee*1 Assets:
Up to $3m Maximum of 2.75% of assets implemented Minimum charge:
$960

Maximum charge:
$5,000
We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including COB.

The value of investments, and any income received from them, can fall as well as rise and you may not get back what you invested. For some investments this can happen as a result of exchange rate fluctuations, as shares and funds may have an exposure to overseas markets.

Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets.

We recommend that you should regard stock market investments as a medium to long-term commitments (by which we mean that you should be prepared to hold them for a period of not less than 5 years).

1. The Report and Implementation Fee is inclusive of VAT where applicable. VAT is applicable if you invest into a discretionary investment management service. Should you choose to proceed with any Protection Product recommendations we may, in addition to the fees payable by you, receive commission from the insurance company providing the Protection Product. The amount of commission will be set out in the insurance company's Key Features Document which you will be given. However, you may ask for this information earlier if you wish.

2. Assets implemented' refers to the total value of all investment and pension recommendations (as well as any recommendation to invest through our discretionary investment management service) which you ask us to implement (including both lump sums and/or the 1st year of any regular contributions) but excludes any Protection Product(s) you may wish to take out. Our Financial Advice Service offers an in-depth personal assessment where we will discuss your goals for the future and your current financial situation.

Our COB Premier Stand-alone Protection Advice service provides Premier customers the option to discuss only their protection needs with a Premier Relationship Manager.

For Protection only advice there will be no advice fee. If you wish to proceed, the provider will pay COB Bank commission.

This Advice service does not include protection as part of an estate planning/IHT need; you must complete a full financial review.

Our adviser will assess your protection needs and recommend products from a limited number of carefully selected companies, including COB. However, if you have wider financial planning requirements you will need a full financial review and we can arrange this with your Premier Relationship Manager.

If after your initial discussion you are happy to proceed, a second meeting will be booked in a branch of your choice with an adviser who will then assess your current circumstances and protection needs so we can tailor our recommendations to reflect your individual needs.

Our liquidity, liability and investments solutions.
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