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Cash interest explained

You will receive interest on balances in your platform cash account at the prevailing rate.

Embark Investment Services Limited acts as the custodian for investments on the Willis Owen platform and is one of our strategic partners that provides our Willis Owen ISA, GIA, Junior ISA and SIPP.

Embark places cash with a number of banking partners for safekeeping and to provide the potential for you to earn interest on money in your platform cash account. By managing cash in this way, it aims to provide better protection and a higher overall level of interest than if all funds were placed with a single bank.

The rates of interest paid by banks will vary. Embark retains a portion of the interest earned to cover its costs in managing platform cash.

Current Interest Rate

The table below shows the current customer interest rate payable on cash balances along with the amount of interest retained by Embark. The customer interest rate shown is that after accounting for interest retained by Embark:

Date From Customer Interest Rate Interest retained by Embark
25th March 2024 2.46% 1.75% - 2.00%

Embark can change the rate of interest at any time and it reviews the position at least quarterly. Interest is calculated and accrued daily and is credited to your account on the first of each month. If you transfer out, accrued interest is applied at the point of transfer. We will inform you if and when the interest rate changes as soon as is practicable.

Interest retained

The table below shows the yearly equivalent rates of interest Embark expects to pay based on a range of possible yearly interest rates it may earn.

Interest Embark expects to earn Customer Interest Rate Interest retained by Embark
0-1% 0 – 0.46% 0 – 0.54%
1-2% 0.46% – 0.94% 0.54% – 1.06%
2-3% 0.94% – 1.46% 1.06% – 1.54%
3-4% 1.46% – 2.02% 1.54% – 1.98%
4-5% 2.02% – 2.61% 1.98% – 2.39%
5%+ 2.61%+ 2.39%+

Historic Interest Rates

To see details of historic customer interest rates, along with the amount of interest retained by Embark, click here.

Careers at Willis Owen

Customer Service

Job title: Customer Service Agent
Department: Customer Services

About the role

Reverse the usual pyramid of corporate structures with the CEO or MD on top... now see the customer-facing team on top, you will become the face and voice of Willis Owen. From new customer enquiry through online chat, secure messages, or traditional telephony, your first greeting will set the scene for how that customer sees us... in a world of digital, formulated responses or touchpad-to-get-through-systems, our human voice is a welcome change.

With a Platinum Trusted Award from Feefo, we do ‘hello’ really well. Ultimately that’s because we care about outcomes and what people/customers and our staff think.

If you want to develop beyond looking after our customers at the front line, to support other areas of the business, we are happy to help. You just need to pack enthusiasm and a willingness to learn, we will bring the rest.

There are no targets to meet, just standards…

About you

For the right candidate, we can offer a very competitive salary along with a range of other benefits. Perhaps you’ve spent time working in a Customer Service environment where your voice wasn’t heard and you are looking for a change, or maybe you’re looking for a stepping stone into Financial Services... you will however have some core skills you believe will be important to us.

  • You love talking... but you also listen like you really mean it
  • You love solving problems, small or large. You like hearing customers smile when you have helped
  • You thrive on feedback, good or developmental – this enables you to grow
  • You are energetic, passionate and see the good
  • You want to work for a small but growing business, one that wants to hear your thoughts and ideas as much as those from the Board

Interested? Scared? Apprehensive... excited...? Get in touch, we have all been there.

Job Profile



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