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Serving clients in London and beyond.
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Celebrating our community
Earn up to 4.20% APY
on your everyday cash.
- A 3.30% base rate, with room to earn more
- No monthly account fees, ever
- Free instant withdrawals, around the clock
- Up to $8M in FDIC cover via our partner bank network
Base APY as of 30 January 2026, paid by our partner banks and subject to change. The new-client boost applies to balances up to $150,000.
Two ways to lift your rate
Open and fund a Cash Account
New clients pick up a 0.65% boost for their first three months, taking the rate to 3.95% on balances up to $150,000.
Direct deposit and invest with us
Add a 0.25% increase with no expiry and no balance cap when you direct deposit $1,000 a month and fund any investing account.
Automated savings and transfers
Build your own rules and set recurring transfers so money moves toward your goals without you thinking about it.
Cash Categories
Bucket your balance into named goals - rainy day, travel, a deposit on a first home - and track each one separately.
Don't just grow your savings.
Grow your spendings, too.
There's little reason to cover everyday costs from a low-rate account. Keep earning right up until the money leaves - bills, subscriptions, the lot.
An estimate only. Assumes a 3.30% APY held for 30 days with no withdrawals. Real interest and APY will vary.
How do we stack up?
| Summit First Trust Cash Account |
Traditional bank savings |
High-yield cash management |
High-yield savings |
|
|---|---|---|---|---|
| Yield | 3.30% APY base rate paid by partner banks | 0.38% APY national average | 3.25% | 2.50% - 3.25% (may require commitments) |
| Account fee | $0 | Typically $5 - $8 / month | Up to $5 / month | Typically $0 |
| Withdrawals to external accounts | Free and instant to eligible accounts, including weekends and holidays | Free, typically 2 - 3 days | Free, typically 2 - 4 days | Free, typically 1 - 3 days |
| Insurance | Up to $8M FDIC cover through partner banks | FDIC to $250K | FDIC to $2M - $5M through partner banks | FDIC to $250K |
| Domestic wires | Free to title companies and accounts you own | $25 - $40 | Usually unavailable | $20 - $35 |
Rates and details are subject to change. Comparison categories are indicative of the wider market and are not a quote from any named institution.
New: Summit First Trust Financial Crypto Card
Spend straight from your BTC balance - see what's new.
Built to last
Safety and soundness, resilient today and ready for tomorrow.
Your security matters
A few quick tips to keep your account safe.
Business Growth Financing.
Access capital designed around your business's financial position, growth objectives, cash flow, and financing needs. Financing is a debt obligation, assessed through underwriting, and certain qualifying transactions may also include an equity participation component.
- No traditional asset collateral may be required under qualifying financing structures. Requirements depend on the structure and the underwriting assessment.
- Cash-flow-based underwriting. Revenue, profitability, debt-service capacity and existing obligations are all considered.
- Certain qualifying transactions may include an equity participation or equity-linked component generally ranging from 1% to 5%.
- Loan principal and applicable interest are repaid according to the agreed financing schedule. The equity component does not replace repayment.
Submit business and financing information.
The business, financial position, cash flow, debt-service capacity, valuation where relevant, and other applicable factors are assessed.
If approved, the business receives the agreed financing amount under the applicable financing documents.
The borrower repays principal and applicable interest according to the financing agreement. Where applicable, the financing provider also receives the agreed equity participation or equity-linked rights.
A qualifying business receives $1,000,000 in financing. A 2% origination fee would equal $20,000. If the transaction includes 3% equity participation, the applicable equity interest or equity-linked right is established according to the agreed valuation and financing documents. Principal and interest are repaid according to the applicable repayment schedule.
This example is illustrative only and does not represent a guaranteed offer or financing term.
Financing amounts are determined based on the business's financial position, funding requirements, underwriting assessment, transaction structure, and applicable approval criteria. All financing is subject to underwriting and approval. Illustrative demo product. A financing structure that includes equity participation is an investment arrangement as well as a debt obligation, and a real offer of this kind would be a regulated transaction requiring disclosure. Summit First Trust Financial is a fictional institution created for this prototype.
What would you like to do today?
Jump straight to the thing you came here for.
Built for steady hands, not shortcuts.
Summit First Trust Financial has spent decades doing the unglamorous work of holding onto money carefully - through downturns, booms, and everything between. We added crypto to the same ledger, not a side app bolted on.
How can we help build your future?
Move your business forward
Equipment financing and lines of credit sized to how your business actually grows.
Explore financing →Tailored financial solutions
Retirement, wealth management, and private banking built around your life, not a template.
See wealth solutions →Crypto, held properly
Buy, hold, and swap BTC alongside your everyday balance - one login, one ledger.
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