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Could your CV benefit from a spring update?

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Linda Walmsley, Director at Walmsley Wilkinson Executive and Management Recruitment, highlights the importance of regularly reviewing and updating your CV, even when you are not actively looking for a new position.

Ask yourself honestly: when did you last make changes to your CV?

For many, the response is “when I last applied for a job.” Yet in a rapidly changing, opportunity-focused job market, this approach no longer holds up. Your CV should not be a document you revisit only under pressure; instead, it should act as an evolving record of your professional identity, capturing your achievements and clearly presenting the skills and experience that signal your future potential. Ultimately, a strong CV places you at an advantage in a competitive market.

Professional paths are always developing. New competencies are gained, projects are delivered, leadership roles expand, and milestones are reached. If your CV has not been refreshed in a long time, it is likely to be telling only part of your story.

A well-maintained CV ensures that:

  • Your most recent accomplishments are visible
  • Your skills align with your current level of expertise
  • Your professional narrative reflects your future ambitions

Of course, your CV doesn’t exist in isolation. Anyone interested in your CV will almost always look you up online. So, by refreshing your CV you can also align this version with your LinkedIn profile. It’s a great opportunity to update your headline and summary, add recent achievements, projects and skills. Consistency across your CV and LinkedIn strengthens your professional brand and improves your visibility to your existing SLT and external potential employers. 

Imagine this scenario: an executive search consultant contacts you about an exciting opportunity. It’s aligned with your experience, offers progression, and sounds compelling.

Now ask yourself, could you confidently send your CV within the hour?

If the answer is no, you’re not alone. Keeping it updated means you can act quickly and present yourself at your best without the stress of last-minute edits.

Importantly, refreshing your CV isn’t just about finding a new role, it’s about understanding your value. Writing your CV acts like a personal performance review. It helps you recognise progress that you may otherwise have overlooked. 

In fact, regularly updating your CV can:

  • Boost confidence by reminding you of your achievements
  • Clarify your career direction and future goals
  • Support performance reviews by capturing measurable successes
  • Highlight skill gaps and development opportunities

It’s easy to forget how much you’ve accomplished. Sitting down to document your achievements can be surprisingly motivating. Reviewing your skills and successes can significantly improve confidence and reinforce your sense of progression.

It’s not just a document. It’s a precis of your career to date showcasing your professional worth. Keeping your CV updated ensures you capture achievements while they’re fresh, rather than trying to recall them years later.

Employers expect current, relevant information that reflects your latest skills and experience A well-maintained CV allows you to respond quickly to opportunities and stand out in competitive markets 

Whilst we regularly service our cars, review our finances, and set personal goals, many of us neglect one of our most valuable assets, our career. Investing 20 minutes a month can keep it on-point and ready. 

So, ask yourself again:

If opportunity knocked tomorrow, would you be ready?

If not, it might be time for a spring clean.

Low Carbon Construction Plc plans London Stock Exchange listing to support UK housing delivery

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Low Carbon Construction Plc has confirmed its intention to pursue a full listing on the London Stock Exchange as part of a strategy to address the UK’s housing shortage.

The proposed listing is designed to unlock private investment and accelerate the large-scale delivery of affordable homes across the country.

The company’s nationwide housing strategy is aligned with the Government’s ambition to deliver 1.5 million homes, aiming to help close the gap between housing demand and current levels of supply.

Industry projections indicate that annual construction rates remain significantly below the 300,000 homes required to meet this target, with approximately 218,000 homes completed in 2024.

Conventional construction methods alone are not expected to meet the scale of demand. Bridgette Farrow, Main Board Director of Low Carbon Construction Plc, said:

“The UK is facing a serious housing shortage, and current building levels aren’t enough to meet national targets. By listing on the London Stock Exchange, we can bring long-term investors to help deliver affordable homes at scale.”

Headquartered in Hampshire, the company positions itself as a modern national housebuilder, aiming to reshape traditional construction practices through its proprietary Offsite/Onsite building system.

The decision to move towards a listing follows recent regulatory changes introduced by the Financial Conduct Authority, which have streamlined the listing process and made public market entry more accessible for growth-focused businesses.

Research published in 2024 by the Centre for Economics and Business Research, commissioned by Shelter and the National Housing Federation, suggests that constructing 90,000 social homes within a single year could generate £51.2 billion in net economic benefit over a 30-year period.

At the same time, more than 1.3 million households remain on council waiting lists, while around 350,000 people are living in temporary accommodation in England.

Low Carbon Construction Plc intends to deliver large-scale residential developments, including new towns and urban extensions, incorporating key infrastructure such as schools, transport links, employment hubs, renewable energy systems and accessible public spaces.

Its construction model combines factory-produced components with coordinated on-site assembly, designed to improve efficiency and consistency.

The homes produced are intended to meet Technical Housing Standards, National Described Space Standards and Part M of the Building Regulations, while also aligning with the Future Homes Standard and broader UK Net Zero Carbon Building Standard principles.

The company confirmed that it is currently in discussions with IPO advisers, financial institutions, equity investors and other stakeholders to support the next phase of its listing process.

“This is about turning ambition into action. The UK needs homes, and we have a system to deliver them. The LSE listing ensures investors can participate in what is not only a commercial opportunity but a project of national importance,” added Bridgette.

PoweringAI spin-off from Xynteo aims to reshape Europe’s AI infrastructure through industrial redevelopment

PoweringAI (wearepowering.ai) has officially launched as a new pan-European data centre development platform, with a focus on transforming the delivery of AI-ready infrastructure across the region. The venture is designed to challenge conventional approaches by converting large-scale powered industrial sites into high-performance computing hubs.

The company has been established as a strategic spin-off from Xynteo, a specialist advisory firm focused on driving sustainable impact and long-term value creation. Xynteo is supported by funds advised by Leon Capital LLP, a European investment firm.

While many traditional developers continue to face challenges related to land acquisition and power access, PoweringAI enters the market with a pipeline of projects totalling 350 MW. Its model centres on the advanced repurposing of legacy industrial and port-based sites into integrated “energy park + data centre” developments, helping to connect established industrial infrastructure with future digital demand. This approach also brings underused land back into productive use, supporting job creation in regions that historically underpinned Europe’s industrial economy.

“We are unlocking a category of sites that have remained inaccessible to the broader market,” said Michael Youtsos, Partner at Leon Capital and Chair of PoweringAI. “By tapping into Xynteo’s industrial incumbent relationships, coupled with more than a year’s worth of investment in IP and expertise with site origination and development, we are creating a platform that delivers commercial success at the intersection of power and compute.”

Alex Rabbetts, Senior Advisor, Data Centres, PoweringAI, said: “As Europe’s energy transition accelerates, the intersection of power, industry, and compute will define the next decade of infrastructure investment. PoweringAI is uniquely positioned to build that bridge—delivering sustainable, powered data centre sites with deep industrial integration.”

PoweringAI’s development within Xynteo highlights a continued commitment to collaborative, system-wide change, now being applied to one of Europe’s most pressing infrastructure needs.

“This spin-off is a natural evolution of Xynteo’s mission—turning complex industrial challenges into scalable opportunities for good growth, with local job creation, and circular reuse of legacy assets”, said Rasmus Lundsgaard, Partner and CEO of Xynteo. “PoweringAI is building the development engine Europe needs to deliver AI infrastructure at speed, with quality, and with industrial legitimacy.”

Looking ahead, PoweringAI intends to establish itself as a leading platform for transforming Europe’s industrial regions into advanced digital infrastructure hubs, supporting the continent’s competitiveness in the global AI sector.

About PoweringAI

PoweringAI (wearepowering.ai) is a pan-European data centre development platform focused on repurposing powered brownfield industrial and port sites into integrated “energy park + data centre” campuses. Spun out of Xynteo and backed by Leon Capital, the venture  launches with a near-500 MW pipeline of AI-ready development opportunities across Europe

Learn more about us at https://wearepowering.ai/

About Xynteo 

Xynteo is a specialist business advisory firm, based in Europe and India, on a mission to help global organisations and investors accelerate sustainable impact and value creation.​ Our work goes beyond ‘just strategy’ to transform complex decarbonisation, energy transition and circularity challenges into practical, actionable pathways for commercial success. By forging long-term partnerships with our clients, leveraging our expertise and extensive alliance ecosystem, we empower companies to identify, realise, and scale opportunities at all stages of their value-creation journey.​

Learn more about us at www.xynteo.com

About Leon Capital 

Leon Capital is a European investment firm that invests in and builds middle-market B2B services platforms that enable resilient, scalable development across strategic sectors.

Learn more about us at www.leon-capital.com

Alpha Prime Markets expands operations with acquisition of trading education firm Divento Financials

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• UK trading group acquires Divento Financials Ltd in strategic expansion
• Agreement combines cash payment and equity components
• Education provider to operate under Alpha Prime Markets trading division

Alpha Prime Markets has announced the acquisition of the established financial training provider Divento Financials Ltd as part of its ongoing business growth.

The purchase strengthens the wider operations of Alpha Capital Group, which includes subsidiaries such as Alpha Prime Markets, Alpha Capital and Alpha Futures. Following completion of the deal, Divento Financials will operate within the Group’s proprietary trading company, Alpha Prime Markets, headquartered in London.

The transaction, which combines cash and share elements, will see company founder James Sullivan remain in place as chief executive of Divento Financials. Sullivan established the education provider in 2008 and will continue leading its operations.

Divento Financials specialises in professional trading education and the development of financial trading qualifications recognised across the industry. Its programmes have been used by a wide range of organisations, including the Department for Work & Pensions, the City of London Corporation and several universities throughout the United Kingdom.

The qualifications created by the company are designed to address skills shortages within financial services. They are accredited by a professional awarding body, endorsed by the Chartered Institute for Securities & Investment and regulated by the Office of Qualifications and Examinations Regulation.

Operating from a live trading floor in London, Alpha Prime Markets works with traders globally and offers access to live trading accounts for those who demonstrate consistent success on the company’s trading platforms. Participants also receive professional support and guidance as part of the programme.

The acquisition is expected to give Alpha traders improved access to accredited training courses, helping them further develop trading and financial knowledge. The combined resources of the two organisations are also expected to create efficiencies that will make training opportunities more affordable.

Alpha Capital Group CEO George Kohler said: “This marks another important expansion as we continue to offer our traders access to more advanced technology, resources and, in this case, training courses endorsed by the CISI and accredited by VTCT.

“Clients will be able to undertake training online or within our training room at Alpha Prime, where they’ll also be able to learn from being around a live trading floor, giving vital real-world experience. Unlike other prop firms, we want our customers to win….and this is yet another way that we can help people from all backgrounds fulfill their potential as traders.”

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Divento Financials CEO James Sullivan

Divento Financials CEO James Sullivan added: “Through this deal, we look forward to working closely with George and the team at Alpha Prime and tapping into their reach and resources to really take advantage of the potential to scale the company and help even more people learn about financial trading through a trusted, experience and accredited provider.

“We can now provide access to our courses to people who might not previously have had the opportunity, and help prepare them for a future career in financial services, whether that’s in trading roles or other positions within the financial services industry.”

To find out more about Alpha Capital Group visit https://alphacapitalgroup.uk/ or for Alpha Prime Markets visit https://alphaprimemarkets.com/

For more on Divento Academy visit – https://diventofinancials.com/academy

Micom Recognised in UK’s Best Workplaces 2026 Rankings

Employee feedback has placed Micom among the UK’s Best Workplaces 2026, reflecting the company’s strong workplace culture and its continued dedication to supporting its people.

Micom has been included in the UK’s Best Workplaces 2026 list published by Great Place to Work®, with the recognition formally announced during an event at Grosvenor House on Park Lane in London.

The company appears in this year’s rankings for organisations of its size, highlighting businesses where employee trust, engagement and a positive working environment are consistently demonstrated.

The UK’s Best Workplaces list is based on confidential feedback from employees alongside an independent evaluation of company culture. The process identifies organisations where trust and engagement are central to everyday working life.

For Micom, the achievement represents an important moment as the business continues to develop and expand. The company has long emphasised that a positive culture and strong business performance go hand in hand, particularly as teams grow and new opportunities arise.

Andy Barber, CEO of Micom, said: “I won’t pretend this doesn’t feel brilliant.

“To be recognised like this, knowing it comes directly from our people, is something I’ll never take lightly.

“We’ve grown. We’ve pushed ourselves. And through it all, the team has shown up for each other. That’s what makes this special – not the ranking itself, but the proof that as we grow, we haven’t lost who we are.”

Micom continues to strengthen its internal culture by investing in leadership development, employee wellbeing initiatives and structured career pathways throughout the organisation. As its technology platform and client base continue to grow, maintaining a supportive and engaged workforce remains a key focus.

Recognition among the UK’s Best Workplaces highlights both the company’s current workplace strengths and its commitment to further improvement in the years ahead.

HIPER Global UK Expands UK Expertise Following Integration of Sarsen Technology

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HIPER Global UK, a prominent supplier of application-specific computing technologies and solutions, has confirmed that Sarsen Technology is now fully operating within the HIPER Global organisation after its acquisition in 2025. The integration marks an important stage in aligning operations across the group and reinforces HIPER Global’s presence and capabilities within the UK market.

For many years, Sarsen Technology has specialised in embedded commercial off-the-shelf (COTS) computing as well as ruggedised hardware and software solutions. The company supports customers operating in highly regulated sectors where reliability, specialist knowledge and long-term relationships are essential. Now part of the HIPER Global group, Sarsen benefits from the resources and scale of an international organisation, including expanded engineering support, stronger supply chain collaboration and increased investment potential. These advantages enable Sarsen to deliver deeper technical support and long-term continuity to customers in the UK while continuing to focus on its niche expertise in embedded solutions.

“Bringing Sarsen Technology into the HIPER Global group is a natural step in our long-term investment and growth strategy in the UK,” said Mark Turner, Chief Executive Officer at HIPER Global UK.

“By combining their specialist knowledge and partner ecosystem with HIPER Global’s engineering depth and custom compute expertise, we are creating a stronger and more capable partner for our customers.”

Sarsen Technology has built a strong reputation over more than two decades as a supplier of advanced embedded computing systems. Its solutions are widely used in sectors such as rugged computing, aerospace and high-performance instrumentation. Through the integration with HIPER Global, the company gains access to broader resources and opportunities that support continued growth and innovation.

“For over 25 years, Sarsen Technology has built an exceptional reputation as a leading supplier of innovative embedded computing solutions, enabling us to achieve significant success with many loyal customers in the rugged, aerospace and high-performance instrumentation markets,” added Nigel Norman, Managing Director at Sarsen Technology.

“We’re excited to embark on this next stage of growth as part of the HIPER Global group. This partnership will allow us to offer a broader range of hardware solutions, strengthen our technical and commercial team, improve our international reach and create greater business opportunities for the outstanding manufacturers we represent.”

Existing customers will continue to work with the same experienced teams and technical specialists they have relied on previously, now strengthened by the wider resources and long-term backing of the HIPER Global group. Additional brand developments will take place gradually as part of HIPER Global’s broader strategic plans.

BenShot Appoints Innit Store Ltd as Official UK and European Manufacturing Partner for Embedded Glassware

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BenShot LLC, the American company known for its distinctive embedded glassware, has announced a new manufacturing partnership with UK-based Innit Store Ltd. The agreement designates Innit Store as the official manufacturer and distributor for BenShot’s popular embedded glassware designs throughout the United Kingdom and Europe, expanding access to the brand’s handcrafted giftware across retail channels and online platforms such as Amazon, Etsy and Shopify.

The partnership combines BenShot’s patented and recognisable glassware designs — which feature embedded elements that blend craftsmanship with practical use — with Innit Store’s artisan production expertise and knowledge of regional markets. Items produced by Innit Store will include several of BenShot’s most popular products, adapted specifically for UK and European consumers. The localised manufacturing approach is expected to shorten delivery times, reduce shipping costs, and minimise the environmental footprint associated with long-distance transport.

“Innit Store shares our commitment to quality, craft, and sustainable practices,” said Ben Wolfgram, Founder and CEO of BenShot LLC. “This partnership allows us to expand availability of our core designs across the UK and Europe while keeping production close to customers and supporting local craftsmanship.”

Production will take place at Innit Store’s facility in the United Kingdom, where artisans will handcraft BenShot’s designs while adhering to strict quality standards to maintain the appearance and durability that have made the products widely recognised. The agreement also grants Innit Store exclusive manufacturing and sales rights across the UK and Europe, enabling the company to supply gift retailers, boutique outlets, and online stores with regionally produced inventory.

“This agreement represents a major step for Innit Store,” said Ruth Winchester, Head of Operations at Innit Store Ltd. “We’re excited to bring BenShot’s iconic pieces to our customers, handcrafted here in the UK. Our skilled glassworkers will honour the original designs while meeting local demand more efficiently, providing retailers and consumers with high-quality giftware made closer to home.”

As part of the arrangement, Innit Store Ltd has been granted the authority to design, produce, and safeguard BenShot’s handcrafted glassware across both the United Kingdom and the wider European market. The partnership reinforces the companies’ ability to protect registered design patents and address unauthorised reproductions and lower-quality imitations.

“This partnership brings together two companies who value hands-on work, quality materials, and designs that tell a story,” said Olly O’Brien, founder of Innit Store Ltd. “Our customers want authenticity and products that feel personal. InnitStore is now a growing branch of the BenShot global network, we are proud to uphold the design integrity and to offer genuine BenShot designed pieces that are handcrafted here in the UK.”

Beyond commercial expansion, the partnership also reflects a shared emphasis on craftsmanship and design protection. BenShot’s distinctive glassware blends traditional techniques with creative embedded features, and the new licensing arrangement ensures customers across the UK and Europe can purchase authentic items produced under the guidance of the original creators.

Enviro Waste Management Secures Prestigious SafeContractor Health and Safety Accreditation

Enviro Waste Management, a locally based firm, has successfully gained accreditation from Alcumus SafeContractor, recognising the company’s strong commitment to maintaining high standards of workplace health and safety.

The Alcumus SafeContractor programme is a widely respected certification scheme that acknowledges contractors who demonstrate rigorous health and safety management practices. Thousands of organisations throughout the UK rely on the scheme, including small and medium-sized enterprises as well as major FTSE 100 corporations.

Enviro Waste Management employs a team of 12 people and operates primarily within the waste management industry. The business provides a wide range of waste disposal services across London.

The decision to pursue SafeContractor accreditation was motivated by the company’s desire to implement a consistent and recognised safety framework throughout its operations. Achieving the certification is also expected to strengthen Enviro Waste Management’s prospects when bidding for new contracts, while insurers are likely to view the company’s safety credentials favourably when reviewing its liability policy.

Gemma Archibald, Divisional CEO of Alcumus SafeContractor said: “Major organisations simply cannot afford to run the risk of employing contractors who are not able to prove that they have sound health and safety policies in place.”

“More companies need to understand the importance of adopting good risk management in the way that Enviro Waste Management has done. The firm’s high standard has set an example which hopefully will be followed by other companies within the sector. SafeContractor plays a vital role in supporting our clients in meeting their compliance needs, whilst working with their contractors as they progress through the approval process.”

John Kinful, Operations Manager at Enviro Waste Management said: “Health and safety is our foremost priority in every job we undertake. The moment our teams arrive on site, they are briefed on the safety measures required to minimise risk, and every labourer is fully equipped with the correct Personal Protective Equipment (PPE) before work begins. Achieving SafeContractor certification recognises the standards we uphold every day to protect our employees and everyone working around us.”

Friend of Dorothy Wellness opens UK’s first digital pharmacy aimed at gay men

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Friend of Dorothy Wellness, a sexual wellness brand built around the needs of gay men, has launched what it describes as the UK’s first digital pharmacy designed specifically for this community.

The company was founded nearly three years ago and has grown a following in both the UK and the United States. Its existing product range covers supplements aimed at stamina, sexual performance, prostate health and general sexual wellbeing.

The new online clinic gives men access to treatments including erectile dysfunction medication, hair loss treatment and weight management support. Patients can consult with doctors and receive prescriptions through the platform without attending a physical appointment.

Founder Oliver James said the service was built to address a gap that he sees repeatedly in how gay men access healthcare.

Oliver said: “Many gay men, particularly outside major cities, feel uncomfortable discussing sexual health issues with a local doctor or pharmacist they’ve known for years. Some simply avoid getting help altogether.

“Our digital clinic aims to remove those barriers by offering private, judgement-free healthcare designed specifically with gay men in mind.”

The launch comes as wider attention is being paid to healthcare access for LGBTQ+ communities in the UK. The NHS launched what it described as its first ever review into LGBTQ+ health inequalities in July 2025.

Oliver James added: “We’re seeing a much wider conversation happening across the UK about LGBTQ+ health inequalities, and that’s incredibly positive, but conversations need to translate into real, accessible services. These communities often have very specific health concerns and experiences that aren’t always reflected in mainstream healthcare services.

“We believe there’s real value in creating services that understand those nuances. Our aim isn’t to replace traditional healthcare, but to complement it by offering support that feels relevant, informed and built with gay men in mind.”

For more information, visit friend-of-dorothy.com.

iFAST Global Bank launches multi-currency banking service for food and beverage businesses

iFAST Global Bank has introduced a Commercial Banking Suite aimed at small and medium-sized food and beverage businesses that handle international payments and cross-border supply chains.

The bank holds a UK banking licence and is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. It developed the suite in response to the operational and financial challenges that food manufacturers, distributors and retailers frequently encounter when working across international supply chains.

Food and beverage SMEs often rely on overseas suppliers, international logistics partners and export markets, and regularly need to make and receive payments in more than one currency. Conventional banking arrangements can require businesses to maintain separate currency accounts, accept automatic foreign exchange conversions and work with limited visibility over how their currencies are being managed. This creates additional administration and unpredictable costs.

The Commercial Banking Suite provides a multi-currency business current account that allows businesses to hold and manage nine major currencies under a single account number. These are GBP, USD, EUR, HKD, SGD, CNY, JPY, AED and CHF.

Through a partnership with Standard Chartered Bank, iFAST Global Bank has extended its international payment capabilities. Businesses can now send payments from those nine currencies to recipients in 52 currencies around the world, making it possible to pay global suppliers in their local currency.

Eligible deposits of up to £120,000 are covered by the Financial Services Compensation Scheme.

The suite includes interest-bearing current accounts with variable rates of up to 2.40% AER on GBP balances. Fixed-term GBP deposits are available at up to 3.75% AER, and certain notice deposit accounts offer just over 3% AER.

A Visa Business Debit Card is available to UK-registered entities. It works across more than 200 countries and territories and supports real-time foreign exchange conversion for international purchases and operational spending.

The bank says the suite is intended to give food and beverage SMEs more flexibility when paying overseas suppliers, collecting export revenues and managing working capital across different markets, without the need to maintain several separate banking relationships.

The bank notes that demand for cross-border banking services has grown as more UK food and beverage businesses expand their sourcing networks and export channels, and look for greater control over their foreign currency exposure.

As a licensed UK bank, iFAST Global Bank operates its own payment infrastructure and participates directly in the Bank of England Faster Payment Scheme, CHAPS and SWIFT. This allows businesses to move money both domestically and internationally through established payment networks.

Inayat Kashif, CEO of iFAST Global Bank, said: “We believe that every business starts small, and we are committed to providing the same consistent relationship management and service to all businesses regardless of their size.”

The launch follows a period of industry recognition for the bank. It was named Highly Commended App-Only Savings Provider of the Year 2025 and received a Commended award for Best Customer Service at the Moneyfacts Awards. The bank was also named Best Newcomer at the British Bank Awards 2025, run by financial review platform Smart Money People, and received the Best Consumer’s Choice Highly Commended award at the Moneyfactscompare.co.uk Awards 2026.

About iFAST Global Bank

iFAST Global Bank is a licensed UK bank providing digital banking services designed to support individuals and businesses engaged in international finance. The Bank forms part of iFAST Corporation, a global digital banking and wealth management platform operating in Singapore, Hong Kong, Malaysia, China and the United Kingdom.

iFAST Corporation (SGX: “AIY”) has been publicly listed on the Mainboard of the Singapore Exchange since December 2014 and provides a range of investment, wealth management and banking solutions to clients across multiple markets.

The Bank stated that continued investment in digital banking capabilities forms part of its long-term strategy to support internationally active SMEs across specialised industry sectors. Find out more about iFAST Global Bank on their website www.ifastgb.com.

Disclaimers

Fixed Term Deposits are subject to a fixed deposit term. Early withdrawal before maturity is not permitted unless under exceptional circumstances and may result in loss of all accrued interest. A 14-day cooling-off period applies from the date of application, during which you may cancel your fixed term deposit without penalty. More details can be found on our website at www.ifastgb.com. Deposits up to £120,000 are fully protected by FSCS (Financial Services Compensation Scheme). More details: https://www.fscs.org.uk/. T&Cs apply. 

Notice Deposits are subject to a 14-day cooling-off period, after which, withdrawals will not be permitted before the end of the 95-days unless in exceptional circumstances. Early terminations will result in the loss of all accrued interest; however, your original deposit (principal) will be returned in full without penalty. T&Cs Apply.