In-house Banking (IHB)

IHB and DBL: Better pricing, service, close to zero bank fees and flexibility through aggregation of spend/funds (higher return on investment on pooled cash and credit balances and/or better use of internal balances) into a centralised treasury function has been in operation in certain jurisdictions with similar/same regulatory framework as that of the UK, a vital pillar of a prospective DBL. This specialised unit within The DCANS Group (TDG) offers to our anchor clients (internal customers) all what a typical commercial bank offers, including without limitation:

• Payment processing (domestic and international disbursements via cheque, ACH or wire transfer, digital payments),
• Intra-company/group payments, multi-lateral nettings, cross-border transactions,
• Liquidity management,
• Investment services (cash flow surplus scenarios including allocation of interest income generated),
• Information reporting services (cash flow forecasting, current account balances and exception reporting),
• Short term lending (cash flow deficit scenarios including chargeback of interest expenses incurred),
• Collections functions (domestic and international receivables via card, cheque, ACH or wire transfer) to various subsidiaries within the group, over bespoke technoloy.

Our strategy is different. Technology is supposed to enable intermediaries provide world-class services cheaply and at a fraction of the time. Part of this unit would be replicated as the DCANS Bank, a deliberately lean, nimble, agile, alert and well-capitalised world-class operation with a niche approach, to start taking outside deposits and offer other banking services to the general public post-regulatory approval processes.

Key Features

  • Bespoke personalised

    Brick-and-mortar & Digital

  • 24/7 Full Service

    Round the clock banking

  • Supportive Staff

    State-of-the-art IT systems

Important Notice

DCANS Bank is the trading name of DCANS Bnk Limited (DBL), a UK registered company founded by a proprietary trader, investor & entrepreneur (Isaac Osei), passionate about making a real difference in non-retail mass market banking products, with special focus on corporate, commercial, business, mortgage and private banking. DBL isn't a bank yet. We are applying to the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) for a banking licence to become authorised by the PRA and regulated by the FCA / PRA to provide one of the best banking services if not the best in the UK and beyond. Until we are fully regulated as a bank, please don't take anything on this website as an invite or inducement to either apply to us for those services or to invest in DCANS Bank. This informational website is not a solicitation for the purchase or sale of securities or request for financial sponsorship. We are registered in England & Wales as DCANS Bnk Limited, No. 09012597 (DCANS Bank Limited Precursor), 61 Bridge Street, Kington, United Kingdom. HR5 3DJ.


The DCANS Group, its subsidiaries, the group's founder and qualified DBL management group members and directors are the initial shareholders: Regulatory capital far in excess of mandatory £10m (circa) already reserved. The shareholders are concurrently building strategic FICC & equity holdings in identified existing local and regional players (listed and unlisted) ahead of additional public information and disclosures after December 2025 and/or Post-Stage Five (if not far earlier).


Active beta products and services (incl sandboxes) are currently only available to sister companies within The DCANS Group (anchor clients) and not the general public (no outside deposits), until post-regulatory processes.