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This diagram shows the journey of your money from your bank or building society account to a savings account:
Your money’s journey begins when you transfer funds from your Nominated Account to your Raisin UK Transaction Account, held at Clearbank.
When you place a deposit with one of our partner banks or building societies, the funds are transferred to a bare trustee (Raisin Platforms Limited) or may be transferred directly to your chosen partner bank.
When you choose a product with a partner bank that uses a bare trustee, Raisin Platforms Limited will place the money you wish to invest into your chosen partner bank's savings account and will return your money, along with any interest or profit, to you on maturity. Raisin Platforms Limited has no claim to your funds and administers them on your behalf while providing this service.
To learn more about this process, and the role of trustees, please read our FAQs.