Provide a digital home for your clients' investments

From GIA to ISA, JISA to SIPP, access a range of paper-free investment accounts and tax wrappers.

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Comprehensive coverage

Access a wide range of accounts and wrappers

Our paper-free accounts and tax wrappers power the next generation of investment platforms, with a growing range to meet the diverse needs of your customers.

  • General investment accounts (GIAs)

    • Hold investments outside of a tax wrapper, with no contribution or withdrawal limits
    • Single, joint, corporate or trust accounts supported (including discretionary, bare, accumulation, interest in possession, settlor interested and mixed trusts)
    • Supported by our in-house capital gains tax (CGT) calculation tool

  • Stocks and shares ISA

    • A tax-efficient way for customers to save over the medium to longer term
    • Fully flexible: withdrawals and adviser fees taken within the tax year can be replaced
    • An ISA contribution report shows the remaining ISA allowance for the tax year

  • Digital pension

    • A fully digital and low-cost way for customers to save – and draw down – for retirement
    • A wide range of drawdown options (FAD, UFPLS, PCLS) on a single, regular or ad-hoc income basis – for high income and tax-relief flexibility

  • Junior ISA (JISA)

    • A fully digital, tax-sheltered investment vehicle for children under the age of 18
    • Automatically graduates to a regular ISA when a child turns 18 – removing a typically admin-heavy process

Third-party investment accounts

  • Third-party SSAS via Day Cooper Day
  • Offshore bonds via Canada Life
CanadaLife logo Curtis Banks logo DayCooperDay logo

Flexible account structures

Harness full wrapper flexibility

Our account structures are designed to give users – whether investors, advisers or administrators – the flexibility they need to manage accounts their way.

  • Create unlimited ‘pots’.
    Take the headache out of building complex investment strategies: any account or wrapper can have an unlimited number of ‘pots’, each with its own investment strategy
  • Empower your investors.
    Give clients the freedom to start, increase, reduce or pause contributions whenever they choose
  • Maximise tax allowances. Withdrawals from our flexible ISA don’t impact subscription limits – nor do adviser fees
ISA pots illustration

Automated and paperless

Take the hard work out of account management

terms KDF illustration

Our accounts and wrappers are built for automated, straight-through digital processing – so you can scale efficiently and reduce manual intervention.

  • Go 100% paperless.
    From first contribution to drawing down a pension, everything can be done online. No paper forms or wet signatures anywhere in the process
  • Embed seamlessly into your journey.
    Our API-first wrappers come with branded T&Cs, Key Features Documents (KFDs) and product declarations ready to integrate into your customer experience
  • Let us handle the hard stuff.
    As an HMRC-approved ISA manager and SIPP provider, we manage all HMRC reporting, account updates, cancellations and closures

Functionality at a glance

See what our wrappers can do

Get a snapshot of the key features available across our full range of digital accounts and tax wrappers.

GIA ISA JISA SIPP
Fully paperless account opening, payments transfers and withdrawals *
Automated payment systems
Set fees at account level
Instruct and monitor the status of transfers online
Create sub-accounts to build complex, segregated investment strategies
Automated and instant order execution + complex, sequenced settlement
Automated MIFID client communications and illustrations
Joint accounts
Fully digital drawdown
* Withdrawals from a JISA are not permitted

Further info

Explore our wrapper range

wrapper guide

Take a closer look at our fully digital tax wrappers – their functionality, benefits and key points of difference…

Accounts and tax wrappers FAQs

No, instead we focus on flexible stocks and shares ISAs, and Junior ISAs (Jisa). These provide investors access to a wide range of investment opportunities and the potential for long-term growth.
No. We offer an Offshore bond through Canada Life, with an onshore bond part of our longer term plans.
No but this functionality is on our development roadmap.

Supporting solutions

Harness all the pieces of a modern, customer-centric investment platform

Accounts and tax wrappers Client onboarding Client reporting Custody Digital pensions Fees and cash management Integrations Payments Portfolio management Professional and client portals Trading Transfers

Ready to begin?

Get started with Seccl today

Ready to take the next step? Our team is here to help you get started with Seccl.

Contact us today to discuss your requirements, request a demo, or learn more about how Seccl can support your business.

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