Manage Liquidity

Cash Concentration

Optimise your group cash balance through the automated movement of funds

Earn higher yield and lower overdraft charges with DBS Cash Concentration, which moves funds automatically between accounts to meet the target balance set on each of your sub accounts. The concentration account either funds deficits or receives surplus cash swept from sub accounts. Flexible sweep options such as one or two-way sweep, reverse sweep and powerful interest allocation capabilities are also available.

Why choose DBS Cash Concentration?

  • Optimise your group cash balance and earn higher yields by investing your consolidated balance
  • Make consolidated idle cash available to sub accounts as additional funding for payments
  • Reduce interest expense since a negative balance is covered by your master account
  • Eliminate the hassle of having to manually report, track and reconcile your various accounts
  • Reports can be accessed through IDEAL™, our online banking platform, for greater convenience


Can DBS support Cash Concentration structures in different currencies?

Yes, we can support structures in different currencies. However, each structure can only consist of accounts of the same currency.

What’s the difference between Notional Pooling and Cash Concentration?

Cash Concentration involves the physical movement of funds into a concentration account. There is no physical movement of funds for Notional Pooling, because account balances are notionally set-off. However, Cash Concentration creates inter-company loans, because there's physical movement of funds between accounts belonging to different companies.

Can we do this on a regional basis?

Yes, we have regional liquidity management capabilities such as cross-border sweep and interest optimisation. However, the availability of liquidity management capabilities is subject to regulations in each country.

Why is there surplus funds in my sub account at the end of the day when it was meant to have a zero balance?

Funds on hold in the sub-account are not available for use, and therefore can’t be swept up to the master account. Common examples include AutoCollect transactions and cheque deposits, which are placed on hold until they are cleared the next business day.


How do I apply?

Please speak with your relationship manager.