Your deposit earns a return. And no one can touch it alone.
Who gets the interest on a deposit? Until now, you paid your deposit straight to the landlord: locked away, invisible, and gone if they went bankrupt. SafeYield holds it as a trusted third party, puts it to work, and only releases it once you both agree.
Before / With SafeYield
| Individuals, before | Businesses, before | With SafeYield | |
|---|---|---|---|
| Where the money sits | In the landlord’s account, mixed with everything else | Tied up, or insured at a steep price | Segregated, off balance sheet, in Europe |
| Who can release it | The landlord, alone | The landlord, stuck with the dispute | Both parties, and no one else |
| If bankruptcy happens | Lost | N/A | Untouched |
| What it earns | €0 | A cost | A return |
| What it costs | Blind trust | A paid solution | Free for the business |
Today, the European deposit market almost always answers with insurance: you pay a premium, it is never refunded, and no one actually holds your money. SafeYield does the opposite: the money exists, it is held, and it comes back to you.
This isn’t insurance. It’s your money.
The others charge you a premium you never see again. SafeYield keeps your deposit, for real. It stays yours, it earns a return, and it only moves once you both agree. Bankruptcy, dispute, death: it stays ring-fenced and comes back to you.
How it works
1. Deposit
You pay your deposit into SafeYield when you rent, not into the landlord’s account.
2. Put to work
The funds are segregated and placed in short-term money-market instruments for the whole rental period. The yield is variable and not guaranteed.
3. Dual-key release
At the end of the rental, the deposit (plus the return it has earned) is only released once you and the landlord agree. If you disagree, we open a space for mediation to help you reach an agreement. We never decide in your place: if agreement stays impossible, a judge rules.
Who gets the interest on a deposit?
Simulate your return
Deposit amount: €1,500
Rental duration: 12 months
€0
€37.50
Indicative estimate based on a hypothetical rate you can adjust below. Yield is variable and not guaranteed.
Hypothetical rate: 2.5%/year
Real-time transparency
Once you’re signed up, you can see at any time where your money is and what it’s earning, as shown in the preview below.
Illustrative preview: mockup, not real data
Disputes and mediation
Releasing the deposit relies on dual validation: both you and the landlord must agree. If you disagree, we open a space for mediation to help you reach an agreement. We never decide in your place: if agreement stays impossible, it is up to a judge to rule before any funds are released. Neither party can unlock the other’s money alone.
Are you an individual?
Protect your rental, bike, or equipment deposit, and get it back plus the return it has earned.
Are you a business?
Collect your customers’ deposits without carrying them on your balance sheet, for free, and secure your deposit cash flow.
held in deposit protection schemes across England and Wales, 4.7 million deposits (TDS Group).
formal disputes resolved in the twelve months to March 2025, about 1% of protected deposits (NRLA and TDS).
of tenants recover some or all of their deposit under insured schemes (MHCLG).
Custodial deposit protection schemes in the UK are free for landlords precisely because they are funded by the interest the held deposits generate: the scheme keeps the return, the landlord pays nothing, and the tenant gets a fraction back at best (TDS Custodial). SafeYield uses the same mechanism. What changes is where that return goes.
The Renters’ Rights Act 2025 takes full effect on 1 May 2026 and reshapes tenancies in England, but it does not rebuild deposit protection: the three existing schemes, their five week cap and their 30 day registration deadline all stay as they are. Generation Rent’s April 2025 review found that 37% of tenants do not get their full deposit back and 13% consider a deduction unfair, yet only 5% ever raise it with a scheme’s resolution service. The gap between a felt dispute and a formal one is wide, in the best resourced deposit market in the world.
SafeYield is not insurance and it does not compete with the three UK government authorised schemes: it is a third party that can hold deposits outside a tenancy covered by the Housing Act 2004 regime, such as equipment, vehicles or a deposit between two businesses, on the same principle of segregated holding and dual sign off release.
Use cases
Bikes · Scooters · Appliances · Tools · Event equipment · Peer-to-peer rentals
Security and compliance
Segregated funds, never on the landlord’s balance sheet · Data hosted in Europe · End-to-end encryption · Dual validation required for every fund release.
Deposit protection in the UK
Since 2007, every deposit for an assured shorthold tenancy in England and Wales must sit in one of three government authorised schemes, capped at five weeks’ rent. In 2024 to 2025 alone, these schemes held about 4.7 million deposits worth roughly 5.2 billion pounds and settled 46,950 disputes.
Frequently asked questions
Do I get my deposit back if the landlord goes bankrupt?
Yes. Your funds are segregated and never appear on the landlord’s balance sheet: they’re not part of the bankruptcy estate.
Is the displayed yield guaranteed?
No. The yield is variable, not guaranteed, and depends on short-term money-market rates at the time the funds are placed. The figure shown in the calculator is an indicative estimate.
Who decides if there’s a dispute over the refund?
Neither you nor the landlord can release the funds alone. If there’s a disagreement, we open a space for mediation to help you reach an agreement. We never decide in your place: if agreement stays impossible, it is up to a judge to rule.
Is SafeYield the same as a government authorised scheme like TDS or mydeposits?
No. The three UK schemes exist specifically for assured shorthold tenancies under the Housing Act 2004, and SafeYield does not replace them there. SafeYield covers what sits outside that scope: deposits for equipment, vehicles, seasonal lets, commercial leases, and deposits between two individuals or two businesses, always on the same principle, a segregated holding released only when both sides agree.
What happens to my money if SafeYield stops trading?
Funds are held in a segregated account, never on SafeYield’s own balance sheet, so they are not exposed to SafeYield’s business risk and are not part of any insolvency estate if that were to happen.
How is the return calculated and who receives it?
The deposit is placed in short-term, low-risk money-market instruments for as long as it is held. The return is variable, never guaranteed, and how it is shared between the two parties is set out in the agreement between them before the deposit starts earning, never decided by SafeYield.
Can I see where my money is at any time?
Yes. Once you’re signed up, your dashboard shows the deposit’s current value in real time, not a once a year statement.
Does SafeYield work for deposits outside the UK?
Yes. SafeYield operates across several European countries, each with its own deposit rules. The underlying principle, a trusted third party holding the deposit until both sides agree on its release, stays the same everywhere we operate.
Join the SafeYield beta
Be among the first to protect your deposit and watch in real time what it earns.