Enabling a more successful financial future

A digital challenger bank uniquely positioned to serve UK microbusinesses and overlooked consumers. 

Annual reports and other disclosures

Financial Statements 2023

Download Financial Statements for the year ended 31 March 2023.

Pillar 3 disclosures

Download our Pillar 3 disclosures for the year ended 31 March 2023.

A track record of excellent performance


£52 million


An increase of 28% year-on-year.


£5.5 million

Profit after Tax

Up by £7.7 million on the previous year.



Deposit growth

Deposits now at £512 million.

Our Board and Executive Commitee

Rich Wagner

Rich Wagner

Chief Executive Officer & Board Director

Rich employed every bit of his nearly 30 years of global financial services experience to found Cashplus and turn it into the leading digital challenger to banks in the UK.

Leigh Bartlett

Chief Financial Officer and Board Director

Leigh has over 20 years of experience in financial services having worked at senior management and Board level for major institutions in the UK and overseas. Bartlett previously held key executive roles at Novobanco, where he was CFO, and Masthaven Bank, where he held the role of CEO. Prior to this, he worked at FNZ Group, Westpac Group and NatWest Group.

Francesca Shaw

Francesca Shaw

Independent Non-Executive Director and Chair of the Audit Committee

Francesca has 40+ years of experience across a wide range of senior governance and commercial roles within UK and international banks, having most recently served as a Chief Financial Officer at C Hoare & Co. in London, before retiring in 2020.

Mark Sismey-Durrant

Mark Sismey-Durrant

Chair of the Board

Mark has over 40 years’ experience in banking starting at Midland Bank in 1978. His career has a particular focus on specialist challenger banking and he was CEO of three such banks over a period spanning 23 years – Sun Bank plc, Heritable Bank plc and more recently, Hampshire Trust Bank Plc

Julia Warrack

Independent Non-Executive Director

Julia is an expert in the banking sector having worked at c-suite level at Vanquis Bank and as an MD at JP Morgan Chase. She brings extensive experience across the private and public sectors in both regulated and on-regulated industries to the role of INED.

Jim Jones

Jim Jones

Non-Executive Director

Jim has over 35 years of senior management experience in the banking, consumer lending and payment processing sectors. He's currently Executive Chairman at Qualpay. 

Barbara Gottardi

Independent Non-Executive Director

Barbara has worked in Chief Information Officer and other senior executive roles at leading financial institutions including Vanguard and HSBC, for the past two decades. In 2022, Barbara founded Finbridge global, a digital transformation consultancy that helps companies adapt to and implement the digital agenda. 

Peter Elcock

Senior Independent Director and Chair of the Risk Committee

Peter brings 40+ years of experience in financial services, including 27 years at Barclays. He specialises in risk management, having been CRO of Coventry Building Society & Executive Director and CRO of Charter Court Financial Services. Peter is also the Chairman of the Suffolk Building Society.

Paul Schooley

Paul Schooley

Chief Commercial Officer

Paul's 22+ years in credit, risk and pricing optimisation for unsecured payment products has seen him facilitate significant revenue growth for the likes of NatWest and GE Capital.

Tatiana Lipiyaynen

Chief Customer and Marketing Officer

Tatiana brings 30+ years of experience across strategy consulting and marketing at the likes of American Express, British Telecom and Virgin Money Investments (joint venture between Virgin Money and Abrdn), where she was director of Sales and Marketing

Solomon Osagie

Solomon Osagie

General Counsel

Solomon is an experienced corporate lawyer with an extensive in-house and private practice background in payments and banking. He was appointed to the Law Society’s Company Law Committee in 2011 and sits on several advisory and industry boards and has recently been recognised in the Lawyer hot 100 list.

Dominika Alzapiedi

Chief People and Talent Officer

Dominika has a wealth of experience in HR leadership roles across banking and other sectors. Prior to joining Cashplus Bank, she was People Chief Operating Officer at Rathbone Brothers PLC and previously held senior roles at EFG Bank and C. Hoare and Co among others.

Colin Webb

Colin Webb

Operations Director

Colin has over 20 years experience working in operations roles across the financial services, retail and telecomms sectors including senior positions at Santander, Barclaycard and Asda.

Richard Bastin

Richard Bastin

Chief Technology Officer

Richard has over 25 years IT experience providing highly scalable and secure solutions for global organisations, including Barclays and HSBC. He has also held CTO roles at RateSetter, Lebara and Currencycloud.

Andreya Smith

Internal Audit Director

Andreya has over 25 years of experience in risk management, governance and internal control with strong regulatory knowledge developed across various audit leadership roles within the financial services sector. Her previous experience includes senior internal audit roles at Optal, Bank of Tokyo Mitsubishi UJF and CLS Group.  Andreya is a chartered member of the Institute of Internal Auditors. 

Aris Asimakis

Aris Asimakis

Chief Risk Officer

Aris has broad risk management experience across regulatory and UK banking institutions having worked in senior roles at Vanquis Bank, the PRA and Tesco Bank over the last 10 years, as well as being awarded the Chartered Financial Analyst (CFA) charter in 2014

Nick Biggam

Nick Biggam

Commercial Director

Nick's spent 25 years leading startups and established businesses in the UK and Europe. His expertise runs from B2B product innovation to service delivery and customer acquisition.

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK.

For full website terms including information on Cashplus Bank, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/.

Advanced Payment Solutions Limited (APS), trading as Cashplus Bank, is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). APS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140.

APS provides credit facilities subject to approval and affordability, and where accounts continue to meet APS credit criteria.

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