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We cover common and previously asked questions here. If you have a question that isn't covered here we are more than happy to assist. Just reach out to us via chat or contact link at top of page.


  • Who is Likwidity ?
    Likwidity is a SaaS marketplace platform for finding best interest rates for fixed deposit or Certificate of Deposit (CDs) rates from banks. Bank Deposit Optimization. Price discovery, rate optimization, treasury system for Enterprise Cash funds. Risk, counterparty, limit and maturity management. Efficient, Time saving and Governance for finance and treasury teams to do better cash management. No Commissions. A FinTech company that is focused on levelling the playing field to facilitate the transparent and seamless process of price discovery, execution, and management of enterprise cash. Our founder has deep experience in developing and operating treasury and financial platforms with annual volumes in excess of $100bn. Likwidity has also passed a due-diligence by PWC.intee
  • I don’t like change. Is it worth it?
    With interest rates rising sharply, the net benefit has increased dramatically and if you have average cash balances of $2m and above, then yes, it is definitely worthwhile. The higher your balances, the more you stand to gain. The days where idle cash is left with your transactional bank can no longer be overlooked and will increasingly be open to scrutiny. Our data historically has shown spreads between the major banks of approximately 43 basis points and even higher when you take international, mid-tier and smaller Banks into the mix. Automation is becoming the new standard and you should not be left behind !
  • What organization will benefit from using Likwidity?
    In general, any organisation that has surplus/idle cash from time-to-time that needs to be optimally invested and who also has more than 1-banking relationship. Ideally placing a minimum of $2m at a time in bank deposits Fixed/Time Deposits or Certificate of Deposits (CD's)
  • We only have 1-bank relationship
    Likwidity is an automation and price-discovery platform that streamline the process of managing and maintaining a record of bank deposits and could work for a single-bank entity, the fuller benefit of multi-bank price discovery is best suited to organisations with more than 1-bank. Our view is that all corporates should be multi-banked to ensure risk diversification. See how your organisation compares with others as regards banking partners with our quick poll (How Many Banks is optimal ? (
  • How many banks can I transact with?
    You can request a quote from up to 20 banks per transaction, and are able to transact with virtually any bank, locally and offshore.
  • We already have a bank panel in place. Will using Likwidity software affect these relationships?
    Using Likwidity software does not change or impact any existing banking relationships. Instead, it helps you to systemise your current dealings / processes in the deposit space. Our platform allows you to continue to transact with your banks, whilst also providing you access to potential new banking partners. The key to Likwidity’s platform is improved transparency through business process automation, full audit trails, improved compliance practices and reporting. Our systems help you automate what is typically one or more manual processes. Our ultimate aim is to foster pricing tension within the deposit market, which in the medium to long term can only mean better rates for our clients, both in the Private and Public sector.
  • What about Commissions?
    We have no intermediary or fee arrangement in place with any banks and we do not earn any commissions or rebates. We charge a monthly fee for our platform so we can work on a zero-commission model, have no-conflict of interest and be able to provide the best rates available in the market.
  • How does Likwidity help with the impact of COVID-19 or similar events?
    Many organisations now have adopted a hybrid working policy and this has dramatically impacted oversight of business processes. The best way of ensuring consistency, security and adherence to policies is by having a systemised process and system to deliver results with full visibility, audit trails and compliance.
  • Does it mean we have to setup new bank accounts?
    Your existing banks will be setup on your Likwidity dashboard, and you retain full control over which other banks you choose to invite or not. The bank relationships are entirely in your control. Some banks will quote on new client opportunities, but these can only be acted upon once bank relationships are put in place on the system.
  • Access to Funds or accounts
    Likwidity NEVER has access to any bank accounts or client funds. All settlements and funds are directly between Client and Bank. Likwidity application purely does price discovery and administration of deposit workflow process, interest calculations, risk allocations.
  • We already use a deposit platform. How is Likwidity better?
    Great, you already see the benefit in using a deposit platform. Likwidity is different from other platforms on the market because we are the only independent solution. We have no conflicts of interest because, unlike our competitors, we do not get paid any commissions or have any affiliations with banks. Even after accounting for our nominal monthly fee, you should see a benefit of up to 50%. We prioritise our customers results and because we are not affiliated with any banks, you are not limited to just dealing with the banks on “our panel”. Being a technology platform, we enable you to transact with any bank of your choosing and whom you have a relationship with. We also do not provide advisory services, and therefore are not involved in moving funds, eliminating settlement risks or potentials for delay.
  • Why should we pay for the service when others don't charge?
    Our fees are flat, standard and transparent, whereas Commission-based platforms typically charge anywhere between 5-25 basis points per transaction in commissions. You as the client will typically not see what fees/ commissions are paid by the bank. Additionally, different banks pay different commissions, making it hard to decipher what the true rate could have been. This is never disclosed to you - the end Client. Also, commission based platforms will only ever allow you to deal with banks that are on their “panel”. As Likwidity is a technology provider, not a Broker, this allows you to deal with any bank you want.
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