Uvistium brings the algorithmic wealth management once reserved for institutional clients to accounts from £200. Monthly attribution reporting. A named adviser. 0.72% per annum. Nothing in the small print.
Verification typically takes one working day. No card details required at sign-up.
What Uvistium concretely does differently from a high-street bank, a robo-adviser, or a traditional wealth manager. Auditable, public, non-negotiable.
Three reinforcement-learning agents originally developed for institutional mandates, now available to retail clients without dilution. No difference in model access between £200 and £500,000 accounts.
Every return contribution traced to within 0.01%: which model decision, which sector, which instrument. Eight to twelve pages per month, PDF and CSV, delivered by the fifth working day.
No performance charge, no entry or exit loads, no custody fees, no account maintenance. Faster Payments and BACS deposits and withdrawals are free.
Withdrawal requests submitted before 3:00 pm London time are processed the same working day. Faster Payments typically arrive within hours. No lock-up window.
Every account receives a named adviser with a direct line and email. No anonymous call centre, no automated switchboard, no chatbot triage before you reach a person.
Client funds are held exclusively with FCA-authorised Tier-1 broker partners in segregated accounts. FSCS protection applies up to £85,000 per client, per authorised institution.
From the first form to the first execution — what actually happens when you open an account.
Complete the form (roughly 90 seconds). Verify your identity via video or postal ID. Fund your account via Faster Payments, BACS, or debit card. Typical activation: the next working day.
Your adviser walks you through a risk profile. You set asset allocation, maximum volatility tolerance, and any sector exclusions. The models operate within those constraints — always.
Models begin execution immediately. Your first attribution memo arrives by the fifth working day of the following month — with every return movement fully decomposed by cause. Verifiable line by line.
Three Uvistium clients — a fund analyst, a chartered accountant, and an investment director — on their experience after more than a year.
I was with a traditional wealth manager charging 1.35% and delivering a two-page quarterly report. With Uvistium I receive twelve pages every month and pay roughly half the fee. The difference is structural, not cosmetic.
My adviser, Ms Fraser, spent forty minutes on the telephone before my first deposit making sure I understood the risks. It was the most measured sales conversation I have had — she talked me out of everything I did not actually need.
After thirty-two years in Edinburgh's investment community I have a specific bar for process quality. Uvistium clears it. Everything is documented, auditable, traceable. This is what a serious British fintech ought to look like.
Uvistium