Banking for accountants & client Accounts

Banking for accountants and accountancy firms, designed to support your clients and your practice.

Cater Allen Private Bank works closely with accountants and accountancy firms across the UK, providing banking that supports both your clients' needs and your day-to-day practice.

You can open and manage bank accounts for your clients, helping you support their requirements while maintaining clear oversight and control.

Our approach is designed to save time, reduce administration and support long-term client relationships.

Who is this banking designed for?

Our banking services support:

accountants and accountancy firms acting for business clients

firms supporting limited companies and partnerships

accountants managing trust banking on behalf of clients

estate practitioners acting for clients or estates

practices looking for reliable banking partners for referred clients

Whether you support a small client base or operate at scale, our accounts are built to work alongside your existing processes.

Helping accountants manage client banking more efficiently

We understand that accountants value clarity, consistency and speed. Our accounts help you:

support clients with business, trust and personal accounts

reduce account opening delays with online applications

track application progress in one place

maintain clear visibility across client banking arrangements

Our aim is to make client banking easier to set up and easier to manage, without unnecessary friction.

How we support accountancy firms

Online applications and tracking

Apply online for limited company, trust and personal accounts and track progress through a single digital journey.
Relationship support

Work with a dedicated relationship team that understands how accountants operate and supports your firm from referral through to account opening.
Reporting and insights

Access downloadable reports to support client reviews, cash oversight and day-to-day administration.
Clear structure for referrals

We work with accountants to ensure referred clients experience a clear, consistent onboarding process.
Strength and protection

Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS), and accounts benefit from the backing of Santander UK plc.

Why accountants choose Cater Allen

Accountants choose Cater Allen because we offer:

a broad range of accounts suitable for different client needs

online application journeys that reduce manual effort

dedicated relationship support for firms and their clients

clear reporting to support ongoing client work

the stability and backing of a major UK banking group

Supporting long-term client relationships

The right banking plays an important role in client satisfaction. By working with Cater Allen, accountants can offer clients a banking partner that supports consistency, clarity and long-term stability.

What our partners say

"Cater Allen have been a trusted partner for us for many years, providing trust bank accounts, trust savings accounts and a range of trust Fixed Term Deposit Accounts with competitive interest rates. They're easy to deal with and provide a high level of service - I would recommend them to other businesses."

Lisa Simpson | Trustee Accounts Specialist, Trustee Accounts

"I've worked with Cater Allen on a large number of personal injury trust bank accounts for vulnerable clients. They are my go-to provider due to the online banking facilities. The introduction of their online application process has significantly improved efficiency, and I'm hopeful this continues. The support from our dedicated relationship manager has always been friendly and responsive, making the overall process much smoother."

Stephen Farnfield | APFS, Director, Paladin Group

"We hold Cater Allen accounts for trusts that we administer, and for attorneyship and deputyship clients. We are impressed with how quick and easy it is to withdraw funds from the accounts – funds are usually received on the same day they are requested, which enables us to efficiently manage client assets. A meeting with the Relationship Support team every few months also gives us the opportunity to provide feedback or suggest ways in which the service could be further improved."

Sue Knowles | Trust Manager, Ashfords

"Cater Allen gives us the confidence that our SSAS funds are managed through a secure, well-structured banking solution backed by a team who genuinely understand the sector. Their service has made a meaningful difference to our ability to manage and administer pension schemes scheme effectively and providing clients 24/7 visibility of their SSAS bank account. I would not hesitate to recommend them to other SSAS trustees or advisers looking for a reliable and knowledgeable banking partner."

Premal Prajapati | Director, Intrusted Pensions LTD

"We have partnered with Cater Allen for SSAS accounts because they combine a genuine understanding of the SSAS market with the backing of a large banking group. We are looked after by Chris Sanderson who is always on hand with his team. Cater Allen offer true dual online authorisation whereby both the pension provider and the client need to authorise transactions, and as another differentiator they involve us in the ongoing development of their online tools."

Andrew Roberts | Head of SSAS, Barnett Waddingham LLP

"With banks shying away from trusts, it is great to be working with an experienced and professional bank. I must say your new onboarding system has made it easier for me to help clients open accounts more quickly than before."

Mark Thompson | Mark Thompson Law

"I have now submitted 3 cases on the new online system, and I have say what a game changer! It’s so easy to use and if anything is required there is a simple response task to complete where you can attach any missing documentation. I had one of my accounts open within 5 working days which is so much faster than the paper-based approach previously used and saves my time which is of course precious. The improvement is helping my business in this area so thank you for making the process so streamline and succinct."

Matthew Isaacs | Bloomfield & Associates

"Cater Allen have delivered online access for our clients as well as an online onboarding process and our clients have welcomed this modern approach to SSAS banking. They also offer various accounts with differing access and interest rates to suit our client’s needs. We would highly recommend them and look forward to building our relationship further."

Steve Hart | Morhart Pensions