Paperless. Automated. Digital.
Our range of digital accounts and tax wrappers are all scalable, affordable and genuinely API-first. And they can be opened at speed, without a piece of paper, manual process or a wet signature in sight.
Our wrapper solution
Access a range of investment products and wrappers
Our paper-free investment products and wrappers are behind the next generation of affordable, efficient and fully digital adviser platforms. Our growing range includes GIA, ISA, JISA and our market-leading SIPP.
What do we provide?
Feature rich wrapper functionality
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Automated
Investment flows designed with genuinely automated, straight-through digital processing in mind. From money in all the way through to drawing down a pension – there’s not a single piece of paper in sight.
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Adaptable
Our wrappers are built on our API so they can be embedded into your technology. You can define the asset universe, pricing and product features . Pick and choose third-party integrations to build your offering, as you’d like.
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Agile
Technical expertise and technological agility. Our propositions team is mighty, with extensive wrapper knowledge. While our Product Wrapper Committee ensures our wrappers work with consumers’ best interests in mind.
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Paperless investing journeys
Digital, straight-through processing, without a single piece of paper or wet signature required at any stage of the investment or advice journey.
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Flexible account structures
Take the headache out of building complex investment strategies with unlimited, segregated sub accounts.
Wrapper functionality at a glance
| GIA | ISA | JISA | SIPP | Offshore bonds | |
|---|---|---|---|---|---|
| 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 |
Third-party products
Integrate easily with third-party wrappers
In addition to being an FCA-approved custodian and an HMRC-registered ISA manager, we also support a variety of third-party integrations from across the investment landscape, such as Offshore Bonds, and SSAS.
Our wrapper solution
A closer look at our range of wrappers
Download our guide to find out the key features and functionality of our digital tax wrappers – explaining what they are, the benefits they unlock and what makes them different from others in the market.
Download our wrapper guide
A closer look at the Seccl SIPP
Pension functionality deep dive
Core functionality
| Payroll | |
| Non-standard assets** | |
| Calculate LTA | |
| Enhanced protections | |
| Automatic investment | |
| Digital drawdown | |
| Digital account set up | |
| Payslips | |
| Automatic sell down to cover withdrawals | |
| Multiple pots |
Reporting
| Account opening confirmation | |
| Cancellation letter | |
| Wake-up packs | |
| Pension payslip | |
| Expression of wish confirmation | |
| Contribution letters | |
| HMRC reporting |
Drawdown features
| Annuities | |
| Flexi access drawdown | |
| UFPLS | |
| PCLS | |
| Further taxable withdrawals | |
| Capped drawdown* | |
| Beneficiary drawdown transfers | |
| Crystallised drawdown transfers | |
| Regular crystallisations | |
| Drawdown illustrations | |
| Regular crystallisations illustrations |
Pensions with exceptions
| Small pots | |
| QROPS |
Notable points
* we’ll convert to FAD upon transfers
** but we can support SSAS and other arrangements via third party pension providers, where they deal with the non-standard assets and we take custody of the standard assets.
Pricing
SIPP product charges
If you’re a partner firm, this is what you can expect to be charged for the Seccl SIPP. All fees are subject to VAT. If you’re looking for a more accurate idea of costs, you can use our pricing calculator.
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SIPP charge
0.05% min £1 per month/ max £4 per month -
SIPP drawdown
Additional 0.05% per annum, max increasing to £10 per month
Our SIPP brochure provides an in-depth look at its features and functionality.
Download our guide
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99.5%
of trades we route to market are processed as 'straight through'
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0.08%
Our trade error rate - which we aim to reduce by a further 75%
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10
seconds to receive money from client's bank and be ready to invest in the market
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9m+
total transactions processed in 2024
Our platform solution
All made possible by our tech
The Seccl architecture is built on principles that meet the demands of modern financial technology: exceptional reliability, performance, and security, while enabling rapid innovation and real-time processing.
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We’re designed for change
We know that change is constant – and so we make sure that our technology is immune to it. The Seccl system has been designed and built with composable architecture to withstand the test of time. -
We measure twice, change once
Every modification is validated against real data. Sometimes the best optimisation is removing processes entirely. We’re not afraid to rethink and rebuild when needed. -
We maintain a single instance
We also massively reduce the cost and time of new development work by maintaining a single instance of our code base. -
We ship features fast
We ship small, early and often, but always with a clear purpose. Our modern architecture and independence from traditional providers makes for an unrivalled speed of feature development.