The Client Account Agreement serves as the foundational document governing the relationship between financial institutions and their clients in England and Wales. This agreement is essential when establishing new client relationships and must comply with strict regulatory requirements, including FCA regulations and the Client Assets Sourcebook. It outlines how client money will be protected, details the services provided, establishes fee structures, and sets out the rights and obligations of all parties involved. The agreement is particularly crucial for ensuring compliance with financial services regulations and protecting both the institution and the client's interests.
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1. Parties: Identifies the financial institution and the client, including full legal names and addresses
2. Background: Outlines the context of the agreement and the services to be provided
3. Definitions: Defines key terms used throughout the agreement
4. Services: Details the account services to be provided and any limitations
5. Client Money: Explains how client money will be held, protected, and handled in accordance with CASS rules
6. Fees and Charges: Specifies all fees, charges, and payment terms
7. Client Obligations: Sets out client responsibilities and compliance requirements
8. Termination: Details circumstances and procedures for ending the agreement
1. Online Services: Terms for digital banking services when online banking facilities are provided
2. Multiple Account Provisions: Terms for managing multiple accounts when client may hold multiple accounts
3. Foreign Currency Services: Terms for foreign currency transactions when such services are offered
1. Fee Schedule: Detailed breakdown of all fees and charges
2. Service Level Agreement: Specific service standards and performance metrics
3. Authorized Signatories: List of persons authorized to operate the account
4. Data Processing Terms: Detailed terms regarding data protection and processing
5. Risk Disclosures: Mandatory risk warnings and disclosures
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