Rest Back to Rest Policy

Before you invest

Capital at risk.

Rest is a cash management platform that helps UK businesses invest surplus cash in BlackRock Government Money Market Funds. When you use Rest, your money is invested — not held as a deposit. Your capital is at risk and you may get back less than you put in.

The headline. When you use Rest, you are investing in a money market fund — you are not depositing cash with a bank. Returns are variable, not guaranteed, and the value of your investment can fall as well as rise. Rest Capital does not provide investment advice — you are responsible for deciding whether Rest is right for you.

What Rest does

Rest is a cash management platform for UK SMEs. Rest itself does not hold your money or manage a fund. When you fund your Rest account, we arrange for your cash to be invested in BlackRock Government Money Market Funds — funds managed by BlackRock, one of the world's largest asset managers, that hold short-dated UK government debt and other high-quality instruments. Execution and custody are provided by WealthKernel Ltd, an FCA-authorised firm.

What we're aiming for

Capital preservation

Invested in low-volatility, short-dated money market instruments designed to preserve principal.

Money-market yield

A yield that moves broadly with prevailing money market rates, after fees.

Same-day liquidity

GBP withdrawals requested before 10am on a business day are normally paid to your bank the same day. Not guaranteed — see how withdrawals work.

The main risks

How withdrawals work

You can withdraw from your vault at any time, with no exit fee.

Same-day withdrawals (GBP Vault): if you request a withdrawal before 10am UK time on a business day, the money is normally paid into your bank account the same day. If you request it after 10am, or on a weekend or UK bank holiday, it is normally paid on the next business day.

When you request a withdrawal, we instruct WealthKernel to sell the fund units you need. Units sold before the fund's morning dealing cut-off settle the same day, and WealthKernel then sends the cash to your bank account in its afternoon payment run.

Same-day is normal, but it is not guaranteed. A withdrawal can take longer if, for example, a payment is held for security or compliance checks, a bank or payment system is delayed, there is a problem at WealthKernel or BlackRock, or the fund manager delays or gates redemptions in extreme market conditions. Withdrawals from a vault in any currency other than sterling take longer.

Compensation and protection

Money invested through Rest is not covered by the FSCS deposit protection scheme that protects eligible bank and building society balances up to £120,000. FSCS investment protection — a separate scheme that may cover up to £85,000 in specific circumstances of authorised-firm failure — is narrower in scope than the deposit scheme and does not protect against falls in the value of your investment or losses within the fund itself.

Who Rest is for — and who it isn't

Rest is designed for: UK businesses with surplus cash they don't need instantly, looking for money-market-level returns with capital preservation in mind.
Rest is not suitable if you need: guaranteed same-day or instant access to your funds (for example, cash you must have available to pay wages or suppliers at a set time — keep that money in your bank account), FSCS deposit-style guarantees on your balance, or higher-risk, higher-return investments.

No advice

Rest Capital does not provide investment, tax, or financial advice. Nothing on this page or on our platform is a recommendation. If you are unsure whether Rest is right for you or your business, please speak to a suitably qualified independent adviser before investing.

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Version 1.1 · Last updated October 2026