The cash you already hold. Could be earning.
Competitive returns on GBP, EUR, and USD balances in the same platform you use for FX and payments.
Why we exist
Yield on business cash has always existed. Finance teams haven't always had a way in.
Most business current accounts pay close to nothing on operating balances. For a business holding £500,000 in idle cash, a 2–3 percentage point yield gap is £10,000–£15,000 a year left on the table.*
The tools to earn better returns on business cash have always existed — but they’ve sat behind private banking relationships, minimum deposit thresholds, and manual processes finance teams don’t have time for.
Alt21 gives you access to competitive returns on GBP, EUR, and USD balances — in the same platform where you manage your FX and payments.
*Illustrative only. Rates are variable and depend on currency, balance, and market conditions.
Typically pays little or no interest on operating balances. Cash sits idle between payment cycles.
Can offer meaningful yield, but usually sits behind a private banking relationship, a minimum deposit threshold, or a notice period. Designed for cash you don’t need to touch.
Competitive yield, but requires a separate broker account, separate onboarding, and settlement cycles that don’t align with same-day operational payments.
Competitive returns on GBP, EUR, and USD balance, in the same platform you already use for FX and payments. Same wallet, same login, same reconciliation.
Three steps to putting your idle cash to work
Tell us what you’re holding
GBP, EUR, USD – however your cash is spread across currencies, Alt21 shows you the return options available on each balance in real time.
Choose the product and term that fits your cashflow
From one week to one year. Select the return, the currency, and the duration that matches when you’ll actually need the funds.
Your cash works. You don’t have to.
Alt21 manages the position and gives you real-time visibility of your returns alongside your FX exposure. One dashboard, everything in one place.
All the tools you need to grow and diversify your cash holdings
Competitive returns on GBP, EUR, and USD
Earn returns on the currencies you already hold, in the same account where you manage your FX. No separate platform, no manual transfers.
See your returns alongside your FX exposure
Your cash balances, open positions, and earned returns in one dashboard. No more logging into three different places to understand your full financial position.
Match your return to your cashflow cycle
Need the funds back in 30 days? Choose a 30-day term. Have a reserve you won’t touch for six months? Put it to work for six months. No lock-in beyond your chosen term
Managed alongside your FX, not separate from it
Most businesses manage cash returns in a separate account from their FX exposure. Alt21 combines both so when you convert a currency balance, you can immediately put the proceeds to work. One decision, not two.
how it works
Your cash is already working for your bank. It should be working for you.
Use simple tools to diversify your cash holdings, and boost what your excess cash does for you. Reduce the hidden costs of working with a non-bank, unlock your capital, and take greater control of your cash.
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Access your funds whenever you need them
No lock-in beyond your chosen term. If your cashflow position changes, you’re not trapped.
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Spread across GBP, EUR, and USD
Earn returns on the currencies you already hold rather than converting everything to one currency and losing the FX flexibility.
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Meaningfully better than your business current account
Most business current accounts pay close to nothing. Alt21’s returns are competitive and visible before you commit. No surprises.
Simple, transparent, and built for better value
No separate account. No minimum balance.
Earn returns on the cash you already hold in Alt21, in the same platform where you manage FX and payments. One login. Everything in one place
No lock-in beyond your chosen term
Choose a duration that matches your cashflow cycle. One week, one month, six months. When the term ends, your funds are yours
Rates shown upfront. Always.
You see the return before you commit. No introductory rates that quietly drop. No fees buried in the small print
Earn on balances, not idle cash.
Most business cash isn’t invested. It’s sitting in current accounts between payment runs, in separate currencies after customer payments arrive, or waiting to fund the next payroll. Consolidate those balances in an Alt21 wallet, and they earn.