X-Lock
Fixed-term savings with rates well above the high street. Capital is FSCS-protected up to £85,000 and pays out automatically on maturity.
How it works
X-Lock anchors the safe layer. Lock a term, lock a rate, sleep through the news cycle. Capital protected, maturity date visible from day one.
Eligible deposits covered under the Financial Services Compensation Scheme. Client money sits in segregated UK bank accounts.
Payout date locks at enrolment and shows on your dashboard. No "renewal trap" — funds settle to your wallet on schedule.
5.5%–22% annualised across our plan tiers. The rate quoted at enrolment is the rate paid — no spread games.
Need liquidity? Early unlock available with a documented penalty disclosed before you commit. No surprises.
X-Lock plans
A 180-day savings position priced above the high street. Capital is FSCS-protected and paid out automatically on maturity, with no early-withdrawal penalty inside the cooling-off window. Ideal for savers who want a known maturity date and a known rate.
A balanced 12-month plan. Rate is fixed at enrolment and paid either annually or in full at maturity. The default option for first-time TXH savers looking to beat the high street by 3–4 percentage points without taking equity risk.
A 24-month position with elevated yield, intended for capital you genuinely don't need to touch. Returns settle to a UK current account at maturity or — optionally — in annual instalments. Capital is held in segregated accounts at a UK-regulated banking partner.
A premium fixed-term position rewarding patient capital with elevated yield. Operated under a structured-product framework with quarterly performance reporting. Suitable for high-balance investors building a long-duration core position.
A perpetual capital-preservation vehicle. Income is paid quarterly or annually for the life of the plan; principal is returned in full on closure. Built for estates and family-office structures with multi-generational horizons.
