Frequently Asked Questions

Sage Capital Management is an integrated financial network. We give you banking, markets and capital in one platform.

Expanding that, we offer 3 core services: full private banking with your own named accounts and global Mastercard support, complete market access as your central counterparty across spot, derivatives and more and capital solutions including lending and yield accounts.

We effectively become and embedded banking COO. Its like having a private banker but more useful. Utilise our highly experienced team and benefit from fast on boarding, no payment freezing and proactive compliance handling.

The account supports multiple currencies. Some currencies can be used for certain features only.
The account offers a multi-currency IBAN, which supports the following 36 currencies:
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AED, AUD, BBD, BHD, CAD, CHF, CZK, DKK, EUR, GBP, GHS, HKD, HUF, ILS, JPY, KES, MXN, NOK, NZD, OMR, PHP, PKR, PLN, QAR, RON, SAR, SEK, SGD, THB, TND, TRY, TTD, UGX, USD, ZAR, ZMW.
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The 21 card-supported currencies are:
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‍GBP, EUR, USD, AED, AUD, CAD, CHF, CZK, DKK, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, ZAR.
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If you hold a balance in any of these card currencies, you can use it to make card payments without an exchange.
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You can also use your card for payments in other currencies, as long as Mastercard payment is accepted. There is 1.5% out of currency fee for card transactions in currencies other than the 21 above.
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‍Outbound wire payments can be made in the following currencies:
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AED, AUD, BBD, BDT, BHD, BWP, CAD, CHF, CNY, CZK, DKK, ETB, EUR, GBP, GHS, GMD, HKD, HUF, ILS, INR, JOD, JPY, KES, KRW, KWD, LKR, MAD, MGA, MUR, MWK, MXN, MZN, NGN, NOK, NPR, NZD OMR, PGK PHP, PKR, PLN, QAR, RON, RWF SAR, SEK, SGD, THB ,TND, TRY, TTD, TZS, UGX, USD, XAF, XCD, XOF, ZAR, NAD, ZMW.

We recommend virtual cards for making any type of payment that you know will always take place online. As you can quickly and easily set up new virtual cards, you can assign one to each payment type, for example, you might want a virtual card just for your software subscriptions and another for online marketing spending. This allows you to monitor separate payment types easily. In addition, physical cards are always assigned to one person, whereas you can allow a whole department to use one shared virtual card, or assign one card for a specific project that involves many teams in your organisation.

It is not covered by the Financial Services Compensation Scheme. Your money is held in a specially designated safeguarded bank account (held at either Citibank UK Limited, Royal Bank of Scotland, or Barclays Bank PLC) that is separate from all other funds at the bank and our operating accounts. The account is only used to safeguard our customer’s money, and no one other than Equals Money PLC has any interest or right over the funds in the account. This way, if anything were to happen to Equals Money, your funds would be safe.

Yes, we work within a regulatory framework encompassing the UK FCA, Switzerland FINMA and St Vincent and the Grenadines FSA.

Average on boarding time is less than a week. It can be completed same day if you have all of the required documentation.

No, all of the liquidity can be accessed via one unified API or GUI. This allows you to interact with our 40+ venues and providers via one connection, saving significant time and technical uplift.

Instead of receiving prices from only one provider, you will receive prices from multiple providers via one connection. We act as the single settlement counterparty reducing your operational time and cost. The aggregated pool of liquidity provides better pricing as different providers have different price skews, the depth of book is significantly deeper and its more reliable with zero downtime.

Yes, we have a state of the art trade execution GUI, which includes advanced algorithms like TWAP, VWAP and Smart Order Routing (SOR). The GUI includes integrated transaction cost analysis (TCA) to give you post-trade insight into slippage, spread capture and venue performance.

We have institutional, insured wallets with the highest grade multi sig protection, including Fireblocks, Zodia Custody and Fidelity Digital Assets. We are regulated in multiple jurisdictions and operate to the highest international standards.

No, we are not a capital allocator. We work with funds to provide them with infrastructure to extract the most value from markets, as well as capital to trade via our margin trading and credit network.

Yes, we offer lending to optimise capital efficiency. It is tailored to every client depending on what they want to achieve. We have a significant network of lenders which provides a strong balance sheet to support any client.

Yes, assets are centralised which avoids you having to put capital on multiple venues. This can be used as portfolio margin within our network.

Yes, we will pay interest on term deposits.