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39<script type="application/ld+json">[{"@context":"https://schema.org","@type":"FinancialProduct","name":"Divorce Escrow","url":"https://www.dospay.co.uk/escrow-accounts/divorce-escrow","inLanguage":"en-GB","areaServed":"GB","provider":{"@type":"Organization","@id":"https://www.dospay.co.uk/","name":"dospay","url":"https://www.dospay.co.uk/"},"audience":[{"@type":"Audience","audienceType":"Individuals and businesses party to a transaction"},{"@type":"Audience","audienceType":"Buyers"},{"@type":"Audience","audienceType":"Sellers"},{"@type":"Audience","audienceType":"Solicitors and conveyancers"},{"@type":"Audience","audienceType":"Brokers and intermediaries"},{"@type":"Audience","audienceType":"Accountants"},{"@type":"Audience","audienceType":"Introducers and referral partners"}],"description":"Our independent divorce escrow holds matrimonial sale proceeds impartially - avoiding the SRA rule restrictions on solicitors' client accounts.","hasOfferCatalog":{"@type":"OfferCatalog","name":"Divorce Escrow, available framings","url":"https://www.dospay.co.uk/escrow-accounts/divorce-escrow","inLanguage":"en-GB","numberOfItems":1,"itemListElement":[{"@type":"Offer","itemOffered":{"@type":"FinancialProduct","name":"Divorce Escrow","provider":{"@type":"Organization","@id":"https://www.dospay.co.uk/","name":"dospay","url":"https://www.dospay.co.uk/"}}}]}},{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is an escrow agreement?","acceptedA
39nswer":{"@type":"Answer","text":"A three-way agreement An escrow arrangement is simply a payment arrangement (someone paying someone else), but with a trusted third party inserted in the middle - the escrow agent. In this way, money goes from the paying party to the escrow agent. The escrow agent only releases the money to the receiving party once certain conditions are met. The cornerstone of the payment arrangements The escrow agreement governs the legal arrangements between those three parties. It sets out how much money the paying party must deposit with the escrow agent, what the escrow agent can and can't do with the money, what the conditions are to release money to the receiving party, and under what circumstances the transaction 'fails', allowing the escrow agent to repay the money to the paying party."}},{"@type":"Question","name":"Do Escrow Accounts Earn Interest in the UK?","acceptedAnswer":{"@type":"Answer","text":"Interest on escrow accounts in the United Kingdom Interest is not usually paid on escrow accounts operated by independent escrow agents because the compliance overheads and ongoing costs are generally very high and many safeguarding/segregated account facilities come at a high cost. Interest used to subsidise escrow fees Most escrow agents (including us) will, instead, apply any interest towards the fee for the service in order to keep the fees down - in this way, the third-party bank contributes to the fees, rather than one of the parties."}},{"@type":"Question","name":"Can I withdraw money from an escrow account?","acceptedA
39nswer":{"@type":"Answer","text":"Can I withdraw money from an escrow account? Typically, no. An escrow arrangement is a three-party agreement between the depositor (principal), the escrow agent, and the recipient. Only the escrow agent has legal control over the funds and may release them only in accordance with the terms of the escrow agreement. Why the escrow agent can’t release funds casually The escrow agent cannot pay out funds unless the agreement explicitly allows it. Doing so could expose the agent to legal claims from the recipient (or other parties), who could sue for breach of contract or improper release. Handling ambiguous situations If there’s any uncertainty - such as unclear wording or disputed instructions - the escrow agent typically reserves the right to seek legal advice before releasing funds. This ensures compliance and protects all parties involved. Why this structure matters Prevents unilateral or unauthorised access to funds. Maintains the neutrality and integrity of the escrow process. Shields the escrow agent from legal liability in case of disputes."}},{"@type":"Question","name":"What is the difference between an escrow and a payment service?","acceptedA
39nswer":{"@type":"Answer","text":"The official line There isn't really one. If you ask a lawyer, they'll tell you to seek confirmation from the Financial Conduct Authority (the 'FCA'). If you ask the FCA, they'll tell you they don't give legal advice and that you should consult a lawyer. The unofficial line The differences between escrow services and payment services are many; they include legal differences, structural differences and regulatory differences. In the absence of any particularly clear guidance, different providers interpret the regulations differently. The legal difference The legal difference between escrow and payment services is difficult to define. Both involve two parties (a payer and a payee) and an intermediary (either a payment service provider or an escrow agent) who effects the transfer according to the parties' wishes. It might be considered that payment services are 'simpler' or happen 'faster', but these are not legal distinctions and are unhelpful when trying to ascertain the difference. The structural difference Escrow transactions are usually (but not always) negotiated separately on specific (as opposed to general or standard) terms and conditions, and those terms are usually only valid for one transaction at a time. Payment services, however, tend to be more 'routine' and take place on standard terms and conditions. This is, of course, a generalisation and, again, not decisive as a way of ascertaining the difference. The regulatory difference Perhaps unhelpfully, the regulatory difference is significant in the United Kingdom. Escrow services are not regulated, where as payment services are. In order to carry out a payment service, a person (natural or legal) must be registered with the Financial Conduct Authority, whereas an escrow agent does not need to be registered with the FCA. Which one is dospay? dospay carries out both types of services. It is regulated by the Financial Conduct Authority for the provision of payment services and it also carries out (unregulated) escrow services. How does dospay distinguish between escrow and payment services? We'd be delighted to tell you how we've ascertained the difference - feel free to contact us for more information."}},{"@type":"Question","name":"Who owns the money in an escrow account?","acceptedA
39nswer":{"@type":"Answer","text":"Who owns the money in an escrow account? When funds go into an escrow account, the depositor (or principal) retains ownership. The escrow agent holds the funds neutrally, managing them in trust until release conditions are met. The agent does not own the funds. Why this matters Protects the depositor from misuse or insolvency risk of the agent. Ensures funds are released only as per the escrow agreement. Common scenarios Real estate: A buyer deposits funds via conveyancer - the buyer still owns them. M&A or construction: Conditional deposits are made to fund releases upon milestone completion. Regulatory and safety features Agents must be FCA-authorised, and funds are held in safeguarded accounts - we hold all of our funds via our banking tech partners liquid and unencumbered at the Bank of England. If the escrow agent becomes insolvent, deposited funds remain protected and segregated. Further reading Learn more about how a trusted Escrow Agent, Escrow Agreement, or Project Bank Account ensures fund protection."}},{"@type":"Question","name":"How much does an escrow account cost?","acceptedA
39nswer":{"@type":"Answer","text":"How much does an escrow account cost? The cost of an escrow account depends on the complexity, duration, value, and structure of your arrangement. Almost all of our escrow and third-party managed accounts are bespoke, so we provide a tailored quote once we understand your requirements. How our escrow pricing is built Compliance Fee Covers all anti-money laundering and regulatory checks we are required to perform, including: Know-Your-Client (KYC) verification; Establishing source of funds and source of wealth; and Ongoing transaction monitoring. Escrow Agreement Fee Includes drafting our standard escrow agreement to govern how funds are held and released. If you provide your own agreement, the fee covers a detailed review and any necessary amendments to ensure compliance and sustainability. Monthly Management Fee Provides access to your escrow agent or account manager for the life of the arrangement. Includes use of our secure account portal, available 24/7 for transaction tracking and document storage. Additional Party Fee Applies if extra parties (e.g. subcontractors in a Project Bank Account) need to join the arrangement. Covers administration, documentation, and portal access setup. Escrow Agent Fee A value-based fee for operating the arrangement, generally a percentage of the funds handled. For the largest transactions, this is typically around 1% of the funds held. Example A high-value construction escrow might incur: Compliance fee for all contracting parties; Agreement drafting fee; Monthly management fee over a 12-month term; and Escrow agent fee based on the deposit value. Why we quote individually Every transaction is different in scope, duration, and complexity. Bespoke pricing ensures that costs are proportionate and reflect the regulatory and operational safeguards needed to protect all parties. Next Steps See our full Pricing page for details of how these elements work in practice, or explore our Escrow Accounts, Project Bank Accounts, and TPMA's for sector-specific examples. You can also request a quote or book a video call to speak to an escrow agent to discuss your requirements."}},{"@type":"Question","name":"Who pays escrow fees in a typical escrow transaction?","acceptedA
39nswer":{"@type":"Answer","text":"Who pays escrow fees in a typical escrow transaction? In most cases, the buyer covers the escrow fees. Escrow is often seen as a measure to protect the buyer’s interests, especially where funds are being held pending delivery, completion, or satisfaction of contractual conditions. However, when both parties benefit equally from the arrangement - such as in construction contracts, M&A transactions, or luxury yacht or jet sales - it is common to agree on a shared cost split. This approach is similar to how legal or notarial fees may be divided in some transactions. Why it matters Clarifies expectations upfront and simplifies negotiations. Prevents cost disputes during or after the escrow process. Promotes fairness in transactions where multiple parties benefit from escrow protections."}},{"@type":"Question","name":"Are escrow agents regulated in the UK?","acceptedAnswer":{"@type":"Answer","text":"Are escrow agents regulated in the UK? Being an escrow agent in the UK is not itself a regulated activity. However, most providers are regulated because they perform related activities - such as legal, trustee, banking, or payment services - and thus fall under regulatory oversight through those roles. Why that matters Regulation ensures client funds are properly safeguarded and handled in compliance with legal standards. Many escrow providers are FCA-authorised payment service providers or are regulated as solicitors handling client money under the SRA Accounts Rules. At dospay, all GBP escrow and TPMA funds are segregated and held at the Bank of England, adding an extra layer of security. Examples of regulated providers Law firms handling escrow as part of legal services. Trustees managing funds for structured deals. FCA-authorised fintech or banks offering escrow or TPMA services. How dospay ensures trust and compliance Licensed by the Financial Conduct Authority under the Payment Services Regulations 2017. Funds are held in safeguarded, segregated accounts at the Bank of England. Offers transparent, regulated, and secure escrow services across sectors such as construction, M&A, marine, and more."}}]},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"dospay","item":"https://www.dospay.co.uk/"},{"@type":"ListItem","position":2,"name":"Escrow Accounts","item":"https://www.dospay.co.uk/escrow-accounts"},{"@type":"ListItem","position":3,"name":"Divorce Escrow","item":"https://www.dospay.co.uk/escrow-accounts/divorce-escrow"}]}]</script>
39<div id="product-top" class="mx-auto w-full max-w-6xl px-6 py-12 scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))]"><section class="grid items-center gap-10 lg:grid-cols-2"><div><div class="flex flex-wrap gap-2"><a class="rounded-[var(--radius-pill)] bg-[var(--color-brand-soft)] px-3 py-1 text-xs font-medium text-[var(--color-brand-ink)] transition-colors hover:bg-[var(--color-brand)] hover:text-[var(--color-on-brand)]" href="/escrow-accounts">Escrow Accounts</a></div><h1 class="mt-4 text-3xl font-semibold leading-tight tracking-tight sm:text-4xl">Divorce Escrow</h1><p class="mt-4 text-lg text-[var(--color-text-muted)]">Professional escrow services provide an impartial solution for holding sale proceeds during divorce proceedings, avoiding issues with solicitors’ client accounts and SRA rules.</p><div class="mt-8 flex flex-wrap gap-3"><a class="inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors 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/_next/image?url=https%3A%2F%2Fjmbmsyrxrkaylcucgpou.supabase.co%2Fstorage%2Fv1%2Fobject%2Fpublic%2Fmarketing%2Fimported%2F83ef2380e6f007d418ac1fdfcf5ab4208d4c0893178349b1b35a592f5283cac9.jpg&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fjmbmsyrxrkaylcucgpou.supabase.co%2Fstorage%2Fv1%2Fobject%2Fpublic%2Fmarketing%2Fimported%2F83ef2380e6f007d418ac1fdfcf5ab4208d4c0893178349b1b35a592f5283cac9.jpg&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fjmbmsyrxrkaylcucgpou.supabase.co%2Fstorage%2Fv1%2Fobject%2Fpublic%2Fmarketing%2Fimported%2F83ef2380e6f007d418ac1fdfcf5ab4208d4c0893178349b1b35a592f5283cac9.jpg&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fjmbmsyrxrkaylcucgpou.supabase.co%2Fstorage%2Fv1%2Fobject%2Fpublic%2Fmarketing%2Fimported%2F83ef2380e6f007d418ac1fdfcf5ab4208d4c0893178349b1b35a592f5283cac9.jpg&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fjmbmsyrxrkaylcucgpou.supabase.co%2Fstorage%2Fv1%2Fobject%2Fpublic%2Fmarketing%2Fimported%2F83ef2380e6f007d418ac1fdfcf5ab4208d4c0893178349b1b35a592f5283cac9.jpg&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fjmbmsyrxrkaylcucgpou.supabase.co%2Fstorage%2Fv1%2Fobject%2Fpublic%2Fmarketing%2Fimported%2F83ef2380e6f007d418ac1fdfcf5ab4208d4c0893178349b1b35a592f5283cac9.jpg&amp;w=3840&amp;q=75"/></span></section><section class="mt-20"><p class="text-sm font-semibold text-[var(--color-brand-ink)]">Escrow Accounts</p><h2 class="mt-1 text-2xl font-semibold tracking-tight">Our <!-- -->Divorce Escrow<!-- --> accounts at a glance…</h2><div class="mt-8 grid gap-x-8 gap-y-10 sm:grid-cols-2 lg:grid-cols-4"><div><p class="font-semibold text-[var(--color-brand-ink)]">Overview</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#overview-what-is-it" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What is it?</a></li><li><a href="#overview-who-is-it-suitable-for" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">Who is it suitable for?</a></li><li><a href="#overview-when-is-it-typically-used" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">When is it typically used?</a></li></ul></div><div><p class="font-semibold text-[var(--color-brand-ink)]">Benefits &amp; Outcomes</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#benefits-outcomes-what-challenges-does-it-address" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What challenges does it address?</a></li></ul></div><div><p class="font-semibold text-[var(--color-brand-ink)]">Service Structure</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#service-structure-what-types-of-arrangement-are-available" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What types of arrangement are available?</a></li><li><a href="#service-structure-how-can-arrangements-be-tailored-or-combined" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How can arrangements be tailored or combined?</a></li></ul></div><div><p class="font-semibold text-[var(--color-brand-ink)]">How it Works</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#how-it-works-how-does-it-work-in-practice" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How does it work in practice?</a></li><li><a href="#how-it-works-how-does-it-interact-with-the-underlying-obligations" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How does it interact with the underlying obligations?</a></li><li><a href="#how-it-works-who-can-give-instructions" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">Who can give instructions?</a></li><li><a href="#how-it-works-what-does-the-whole-process-look-like" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What does the whole process look like?</a></li></ul></div><div><p class="font-semibold text-[var(--color-brand-ink)]">Account Set-Up</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#account-set-up-how-do-i-open-an-account" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How do I open an account?</a></li><li><a href="#account-set-up-how-long-does-it-take" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How long does it take?</a></li><li><a href="#account-set-up-what-information-is-required" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What information is required?</a></li><li><a href="#account-set-up-account-opening-checklist" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">Account opening checklist</a></li></ul></div><div><p class="font-semibold text-[var(--color-brand-ink)]">Funding, Payments &amp; Releases</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#funding-payments-releases-how-is-the-account-funded" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How is the account funded?</a></li><li><a href="#funding-payments-releases-how-are-payments-and-releases-authorised" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How are payments and releases authorised?</a></li></ul></div><div><p class="font-semibold text-[var(--color-brand-ink)]">Commercials, Support &amp; Next Steps</p><ul class="mt-3 space-y-2 text-sm"><li><a href="#commercials-support-next-steps-how-does-pricing-work-and-what-does-it-cover" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How does pricing work and what does it cover?</a></li></ul></div></div></section><section id="overview" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">Overview</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">A brief overview of the account and how it works.</p><nav aria-label="Overview sections" class="mt-4"><p class="text-xs font-medium text-[var(--color-text-subtle)]">Jump to:</p><ul class="mt-2 space-y-1.5 text-sm"><li><a href="#overview-what-is-it" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What is it?</a></li><li><a href="#overview-who-is-it-suitable-for" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">Who is it suitable for?</a></li><li><a href="#overview-when-is-it-typically-used" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">When is it typically used?</a></li></ul></nav><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="overview-what-is-it" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">What is it?</h3><div class="prose-cms mt-3"><p>Divorce Escrow is an arrangement used to hold funds securely during divorce or separation proceedings.</p><p>Instead of one party’s solicitor holding sale proceeds or settlement money, funds are paid into an independent escrow account. The funds are held there and released only when agreed conditions are met.</p><p>Divorce Escrow is commonly used where matrimonial assets are sold before the final financial order, or where capital payments are agreed but not yet due to be transferred.</p></div></div><div id="overview-who-is-it-suitable-for" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">Who is it suitable for?</h3><div class="prose-cms mt-3"><p>Divorce Escrow is suitable for separating spouses or partners who need a neutral way to hold funds while financial arrangements are finalised.</p><p>It is often used where trust between the parties is limited, or where neither party is comfortable with the other’s solicitor holding significant sums for an extended period.</p><p>Family lawyers and advisors also use Divorce Escrow where funds need to be held for longer than is normally appropriate in a solicitor’s client account, or where neutrality is important.</p></div></div><div id="overview-when-is-it-typically-used" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">When is it typically used?</h3><div class="prose-cms mt-3"><p>Divorce Escrow is typically used once a matrimonial asset has been sold but before the final financial settlement is concluded.</p><p>Common examples include the sale of the family home, disposal of jointly owned investments, or realisation of business interests. It may al
39so be used where equalisation payments are agreed in principle but depend on later events or approvals.</p><p>Escrow allows funds to be secured and protected while the parties complete negotiations, obtain court approval or finalise documentation.</p></div></div></div></section><section id="benefits-outcomes" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">Benefits &amp; Outcomes</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">The problems it solves and the benefits it delivers.</p><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="benefits-outcomes-what-challenges-does-it-address" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">What challenges does it address?</h3><div class="prose-cms mt-3"><p>Divorce and separation often involve large sums of money being realised (eg, from the sale of a property) before the final financial outcome is known. This can create tension and risk for both parties.</p><p>One party may not trust the other to hold funds safely. There may also be concern about one party’s solicitor holding funds for a prolonged period, particularly where the money is not yet due to be paid out.</p><p>Divorce Escrow addresses these challenges by removing control of the funds from both parties and placing them with a neutral third party. This reduces mistrust and helps prevent disputes about how money is held or used while matters are resolved.</p></div></div></div></section><section id="service-structure" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">Service Structure</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">How the arrangement can be structured and tailored.</p><nav aria-label="Service Structure sections" class="mt-4"><p class="text-xs font-medium text-[var(--color-text-subtle)]">Jump to:</p><ul class="mt-2 space-y-1.5 text-sm"><li><a href="#service-structure-what-types-of-arrangement-are-available" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What types of arrangement are available?</a></li><li><a href="#service-structure-how-can-arrangements-be-tailored-or-combined" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How can arrangements be tailored or combined?</a></li></ul></nav><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="service-structure-what-types-of-arrangement-are-available" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">What types of arrangement are available?</h3><div class="prose-cms mt-3"><p>Divorce Escrow can be used in more than one way, depending on how the parties’ finances are being resolved.</p><p>Most commonly, escrow is used to hold the proceeds from the sale of matrimonial assets, such as the family home, investment property or jointly owned shares. The funds are paid into escrow once the sale completes and held until the final settlement is agreed.</p><p>Escrow may also be used to hold funds for equalisation payments, where one party is due to receive a capital sum but the timing or conditions for payment are not yet final.</p></div></div><div id="service-structure-how-can-arrangements-be-tailored-or-combined" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How can arrangements be tailored or combined?</h3><div class="prose-cms mt-3"><p>Yes. Divorce Escrow arrangements are often tailored to reflect the specific circumstances of the parties and the assets involved.</p><p>For example, separate escrow accounts may be used for different assets, or funds may be released in stages as parts of the settlement are agreed or approved.</p><p>
39Escrow can also be combined with undertakings, interim agreements or court directions, provided the release conditions are clearly documented in the escrow agreement.</p></div></div></div></section><section id="how-it-works" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">How it Works</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">How the account operates in practice.</p><nav aria-label="How it Works sections" class="mt-4"><p class="text-xs font-medium text-[var(--color-text-subtle)]">Jump to:</p><ul class="mt-2 space-y-1.5 text-sm"><li><a href="#how-it-works-how-does-it-work-in-practice" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How does it work in practice?</a></li><li><a href="#how-it-works-how-does-it-interact-with-the-underlying-obligations" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How does it interact with the underlying obligations?</a></li><li><a href="#how-it-works-who-can-give-instructions" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">Who can give instructions?</a></li><li><a href="#how-it-works-what-does-the-whole-process-look-like" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What does the whole process look like?</a></li></ul></nav><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="how-it-works-how-does-it-work-in-practice" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How does it work in practice?</h3><div class="prose-cms mt-3"><p>Divorce Escrow works by holding funds independently while the financial outcome of the divorce is finalised.</p><p>Instead of money being controlled by one party or held in a solicitor’s client account for an extended period, funds are paid into an escrow account. The funds remain there until the agreed conditions for release are met.</p><p>This allows the parties to progress negotiations or court proceedings without worrying about the safety or availability of the money.</p></div></div><div id="how-it-works-how-does-it-interact-with-the-underlying-obligations" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How does it interact with the underlying obligations?</h3><div class="prose-cms mt-3"><p>Divorce proceedings and any court orders determine who is entitled to what share of the assets. Divorce Escrow does not change that.</p><p>The escrow agreement sits alongside the legal process. It deals only with how funds are held and when they may be released once agreement is reached or an order is made.</p><p>The escrow agent does not interpret court orders or decide entitlement. It releases funds only when the agreed documentation or orders are provided, in line with the escrow agreement.</p></div></div><div id="how-it-works-who-can-give-instructions" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">Who can give instructions?</h3><div class="prose-cms mt-3"><p>Only parties authorised under the escrow agreement can give instructions to the escrow agent. This is agreed and documented at the outset.</p><p>Instructions are typically linked to clear events, such as written agreement between the parties, approval by their advisors, or the issue of a court order.</p><p>The escrow agent checks that the instruction matches the agreed conditions before acting. Informal or unilateral requests are not accepted.</p></div></div><div id="how-it-works-what-does-the-whole-process-look-like" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">What does the whole process look like?</h3><div class="prose-cms mt-3"><p>Below is a practical view of the steps that parties typically follow when using Divorce Escrow.</p><ol><li>‍<strong>Pay funds into escrow</strong><br />Sale proceeds or agreed sums are paid into the escrow account once an asset is sold or an amount is identified.<strong>‍</strong></li><li><strong>Funds held while matters are resolved</strong><br />The funds remain held while negotiations continue, court approval is sought or documentation is finalised.<strong>‍</strong></li><li><strong>Provide agreement or court order</strong><br />Once the parties reach agreement, or a court order is made, the required confirmation or documentation is provided to the escrow agent.<strong>‍</strong></li><li><strong>Release funds in line with the agreed outcome</strong><br />Funds are released from escrow to the parties in accordance with the agreement or court order.<strong>‍</strong></li><li><strong>Handle uncertainty or disputes if they arise</strong><br />If there is uncertainty or disagreement, the funds remain held while the agreed process is followed.</li></ol></div></div></div></section><section id="account-set-up" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">Account Set-Up</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">Opening an account and what you&#x27;ll need.</p><nav aria-label="Account Set-Up sections" class="mt-4"><p class="text-xs font-medium text-[var(--color-text-subtle)]">Jump to:</p><ul class="mt-2 space-y-1.5 text-sm"><li><a href="#account-set-up-how-do-i-open-an-account" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How do I open an account?</a></li><li><a href="#account-set-up-how-long-does-it-take" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How long does it take?</a></li><li><a href="#account-set-up-what-information-is-required" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">What information is required?</a></li><li><a href="#account-set-up-account-opening-checklist" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">Account opening checklist</a></li></ul></nav><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="account-set-up-how-do-i-open-an-account" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How do I open an account?</h3><div class="prose-cms mt-3"><p>
39Setting up a Divorce Escrow account starts with agreeing why the funds will be held and what conditions will apply to their release. This is usually linked to the sale of matrimonial assets or agreed equalisation payments.</p><p>An escrow agreement is then prepared. This document sets out how the account will operate, who can give instructions and what evidence is required for release.</p><p>At the same time, we begin the account opening and onboarding process so the account is ready to receive funds when they become available.</p></div></div><div id="account-set-up-how-long-does-it-take" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How long does it take?</h3><div class="prose-cms mt-3"><p>The time needed to open a Divorce Escrow account depends on the parties involved and the complexity of the arrangements.</p><p>For straightforward cases, account opening can usually be completed within a short period once the required information has been provided and the escrow agreement is agreed. More complex structures, such as those involving trusts, companies or overseas assets, may take longer.</p><p>Most delays arise from incomplete information rather than from the escrow process itself.</p></div></div><div id="account-set-up-what-information-is-required" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">What information is required?</h3><div class="prose-cms mt-3"><p>To open a Divorce Escrow account, standard onboarding checks are required. These are similar to the checks required when opening a bank account or instructing a law firm.</p><p>This usually includes confirming the identity of the parties, the ownership of the assets being sold, and the source of funds paid into escrow.</p><p>We may also need basic information about the divorce proceedings or settlement framework so the escrow account can be set up correctly.</p></div></div><div id="account-set-up-account-opening-checklist" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">Account opening checklist</h3><div class="prose-cms mt-3"><p>The following information is typically required to open a Divorce Escrow account:</p><ul><li>Details of the parties to the divorce or separation</li><li>Identification information for each party</li><li>Information about the assets being sold or funds being escrowed</li><li>Source of funds information for the escrowed amounts</li><li>Summary of the agreed or proposed release conditions</li><li>Details of any relevant court proceedings or expected orders</li></ul><p>Providing this information clearly and early helps ensure the account can be opened without unnecessary delay.</p></div></div></div></section><section id="funding-payments-releases" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">Funding, Payments &amp; Releases</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">How funds move in and out of the account.</p><nav aria-label="Funding, Payments &amp; Releases sections" class="mt-4"><p class="text-xs font-medium text-[var(--color-text-subtle)]">Jump to:</p><ul class="mt-2 space-y-1.5 text-sm"><li><a href="#funding-payments-releases-how-is-the-account-funded" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How is the account funded?</a></li><li><a href="#funding-payments-releases-how-are-payments-and-releases-authorised" data-jump-link="" data-jump-style="text" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">How are payments and releases authorised?</a></li></ul></nav><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="funding-payments-releases-how-is-the-account-funded" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How is the account funded?</h3><div class="prose-cms mt-3"><p>A Divorce Escrow account is funded by the proceeds of sale or by an agreed payment from one or both parties.</p><p>Most commonly, funds are paid into escrow when a matrimonial asset is sold, such as the family home or a jointly owned investment. In other cases, a lump sum intended for equalisation is paid into escrow once agreed in principle.</p><p>The funding source and timing are agreed in advance and set out clearly in the escrow agreement.</p></div></div><div id="funding-payments-releases-how-are-payments-and-releases-authorised" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How are payments and releases authorised?</h3><div class="prose-cms mt-3"><p>Payments from a Divorce Escrow account are made only when the agreed release conditions are met.</p><p>These conditions are usually linked to a signed agreement between the parties or a court order approving the financial settlement.</p><p>When a release request is made, we check that the agreed conditions have been satisfied before releasing funds in line with the escrow agreement.</p></div></div></div></section><section id="commercials-support-next-steps" class="mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]"><div class="lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start"><h2 class="text-heading-xs tracking-[-0.01em]">Commercials, Support &amp; Next Steps</h2><p class="mt-2 text-sm text-[var(--color-text-muted)]">Pricing and how to get started.</p><a href="#product-top" class="mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]">↑ Back to top</a></div><div><div id="commercials-support-next-steps-how-does-pricing-work-and-what-does-it-cover" class="scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0"><h3 class="border-b border-[var(--color-border)] pb-2 text-lg font-semibold">How does pricing work and what does it cover?</h3><div class="prose-cms mt-3"><p>Almost every account we open is built and tailored to the arrangement, so an accurate price depends on what the arrangement actually requires. A quote is free, and we typically return one within 24 hours.</p><p>A quote is made up of the same parts each time:</p><ul><li>Compliance fees, covering know-your-client checks, source-of-funds verification and our ongoing monitoring obligations</li><li>Escrow agreement fees, covering either proposing escrow terms or reviewing a client's draft and proposing amendments</li><li>A monthly management fee, a time-related charge covering account manager access and the online portal</li><li>Additional party fees, being administration charges where an account has further payees</li><li>An escrow agent fee, a value-based percentage for managing the arrangement; on the largest transactions this tends towards around 1% of the value of the funds we hold</li></ul><p>Who carries the cost is a matter for the parties. In most cases the buyer covers the fees, since escrow is often taken out to protect the buyer's position. Where both sides benefit equally, as in construction contracts, M&amp;A transactions and yacht or jet sales, a shared split is common. Agreeing this at the outset avoids an argument about cost later.</p><p>Our minimum overall fee is £5,000 plus VAT. The full breakdown, and the current position on each component, is on our <a href="/pricing">pricing page</a>.</p></div></div></div></section><section class="mt-16 border-t border-[var(--color-border)] pt-10"><div class="grid gap-8 sm:grid-cols-2"><div class="border-l-2 border-[var(--color-brand)] pl-4"><h3 class="font-semibold text-[var(--color-text)]">FCA-Regulated</h3><p class="mt-1 text-sm text-[var(--color-text-muted)]">We&#x27;re authorised and regulated by the Financial Conduct Authority for the provision of payment services.</p></div><div class="border-l-2 border-[var(--color-brand)] pl-4"><h3 class="font-semibold text-[var(--color-text)]">Digital Accounts Portal</h3><p class="mt-1 text-sm text-[var(--color-text-muted)]">Access your account, view your transactions and documents, and provide read-only access to all of your relevant stakeholders.</p></div><div class="border-l-2 border-[var(--color-brand)] pl-4"><h3 class="font-semibold text-[var(--color-text)]">White-Glove Service</h3><p class="mt-1 text-sm text-[var(--color-text-muted)]">Your named account manager can help you manage your accounts at any time, by email, phone or WhatsApp.</p></div><div class="border-l-2 border-[var(--color-brand)] pl-4"><h3 class="font-semibold text-[var(--color-text)]">High-Speed Account Opening</h3><p class="mt-1 text-sm text-[var(--color-text-muted)]">Same business-day account opening. Our systems and processes are built for speed.</p></div><div class="border-l-2 border-[var(--color-brand)] pl-4"><h3 class="font-semibold text-[var(--color-text)]">Ultra-Secure Deposits</h3><p class="mt-1 text-sm text-[var(--color-text-muted)]">All pound sterling sums are held at the Bank of England, offering the lowest-risk escrow service in the United Kingdom. Other currencies are held through JP Morgan.</p></div><div class="border-l-2 border-[var(--color-brand)] pl-4"><h3 class="font-semibold text-[var(--color-text)]">Any duration, any value</h3><p class="mt-1 text-sm text-[var(--color-text-muted)]">We can hold funds for as little as a few hours, for many years, or even longer depending on your specific requirements.</p></div></div></section><section class="mt-16 border-t border-[var(--color-border)] pt-10"><h2 class="text-2xl font-semibold tracking-tight">FAQs</h2><div class="mt-10 divide-y divide-[var(--color-border)] border-y border-[var(--color-border)]"><details id="faq-what-is-an-escrow-agreement" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">What is an escrow agreement?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2>A three-way agreement</h2><p>An escrow arrangement is simply a payment arrangement (someone paying someone else), but with a trusted third party inserted in the middle - the escrow agent.</p><p>In this way, money goes from the paying party to the escrow agent.  The escrow agent only releases the money to the receiving party once certain conditions are met.</p><h2>The cornerstone of the payment arrangements</h2><p>The escrow agreement governs the legal arrangements between those three parties.  It set
39s out how much money the paying party must deposit with the escrow agent, what the escrow agent can and can't do with the money, what the conditions are to release money to the receiving party, and under what circumstances the transaction 'fails', allowing the escrow agent to repay the money to the paying party.</p></div></div></details><details id="faq-do-escrow-accounts-earn-interest-in-the-uk" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">Do Escrow Accounts Earn Interest in the UK?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2>Interest on escrow accounts in the United Kingdom</h2><p>Interest is not usually paid on escrow accounts operated by independent escrow agents because the compliance overheads and ongoing costs are generally very high and many safeguarding/segregated account facilities come at a high cost.</p><h2>Interest used to subsidise escrow fees</h2><p>Most escrow agents (including us) will, instead, apply any interest towards the fee for the service in order to keep the fees down - in this way, the third-party bank contributes to the fees, rather than one of the parties.</p></div></div></details><details id="faq-can-i-withdraw-money-from-an-escrow-account" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">Can I withdraw money from an escrow account?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2>Can I withdraw money from an escrow account?</h2><p>Typically, no. An escrow arrangement is a three-party agreement between the depositor (principal), the <a href="/glossary/escrow-agent">escrow agent</a>, and the recipient. Only the <a href="/glossary/escrow-agent">escrow agent </a>has legal control over the funds and may release them only in accordance with the terms of the escrow agreement.</p><h2>Why the escrow agent can’t release funds casually</h2><p>The <a href="/glossary/escrow-agent">escrow agent</a> cannot pay out funds unless the agreement explicitly allows it. Doing so could expose the agent to legal claims from the recipient (or other parties), who could sue for breach of contract or improper release.</p><h2>Handling ambiguous situations</h2><p>If there’s any uncertainty - such as unclear wording or disputed instructions - the <a href="/glossary/escrow-agent">escrow agent</a> typically reserves the right to seek legal advice before releasing funds. This ensures compliance and protects all parties involved.</p><h2>Why this structure matters</h2><ul><li>Prevents unilateral or unauthorised access to funds.</li><li>Maintains the neutrality and integrity of the escrow process.</li><li>Shields the <a href="/glossary/escrow-agent">escrow agent</a> from legal liability in case of disputes.</li></ul></div></div></details><details id="faq-what-is-the-difference-between-an-escrow-and-a-payment-service" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">What is the difference between an escrow and a payment service?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2>The official line</h2><p>There isn't really one. If you ask a lawyer, they'll tell you to seek confirmation from the Financial Conduct Authority (the 'FCA'). If you ask the FCA, they'll tell you they don't give legal advice and that you should consult a lawyer.</p><h2>The unofficial line</h2><p>The differences between escrow services and payment services are many; they include legal differences, structural differences and regulatory differences. In the absence of any particularly clear guidance, different providers interpret the regulations differently.</p><h2>The legal difference</h2><p>The legal difference between escrow and payment services is difficult to define. Both involve two parties (a payer and a payee) and an intermediary (either a payment service provider or an escrow agent) who effects the transfer according to the parties' wishes. It might be considered that payment services are 'simpler' or happen 'faster', but these are not legal distinctions and are unhelpful when trying to ascertain the difference.</p><h2>The structural difference</h2><p>Escrow transactions are usually (but not always) negotiated separately on specific (as opposed to general or standard) terms and conditions, and those terms are usually only valid for one transaction at a time.  Payment services, however, tend to be more 'routine' and take place on standard terms and conditions. This is, of course, a generalisation and, again, not decisive as a way of ascertaining the difference.</p><h2>The regulatory difference</h2><p>Perhaps unhelpfully, the regulatory difference is significant in the United Kingdom. Escrow services are not regulated, where as payment services are. In order to carry out a payment service, a person (natural or legal) must be registered with the Financial Conduct Authority, whereas an escrow agent does not need to be registered with the FCA.</p><h2>Which one is dospay?</h2><p>dospay carries out both types of services.  It is regulated by the Financial Conduct Authority for the provision of payment services and it also carries out (unregulated) escrow services.</p><h2>How does dospay distinguish between escrow and payment services?</h2><p>We'd be delighted to tell you how we've ascertained the difference - feel free to <a href="/contact">contact us</a> for more information.</p></div></div></details>
39<details id="faq-who-owns-the-money-in-an-escrow-account" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">Who owns the money in an escrow account?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2><strong>Who owns the money in an escrow account?</strong></h2><p>When funds go into an escrow account, the depositor (or principal) retains ownership. The <a href="/glossary/escrow-agent">escrow agent</a> holds the funds neutrally, managing them in trust until release conditions are met. The agent does not own the funds.</p><h2><strong>Why this matters</strong></h2><ul><li>Protects the depositor from misuse or insolvency risk of the agent.</li><li>Ensures funds are released only as per the escrow agreement.</li></ul><h2><strong>Common scenarios</strong></h2><ul><li><a href="/sectors/real-estate">Real estate</a>: A buyer deposits funds via conveyancer - the buyer still owns them.</li><li><a href="/sectors/corporate">M&amp;A</a> or <a href="/sectors/construction">construction</a>: Conditional deposits are made to fund releases upon milestone completion.</li></ul><h3>Regulatory and safety features</h3><ul><li>Agents must be FCA-authorised, and funds are held in safeguarded accounts - we hold all of our funds via our banking tech partners liquid and unencumbered at the Bank of England.</li><li>If the <a href="/glossary/escrow-agent">escrow agent</a> becomes insolvent, deposited funds remain protected and segregated.</li></ul><h3>Further reading</h3><p>Learn more about how a trusted <a href="/glossary/escrow-agent">Escrow Agent</a>, <a href="/faq/what-is-an-escrow-agreement">Escrow Agreement</a>, or <a href="/third-party-managed-accounts/project-bank-accounts">Project Bank Account</a> ensures fund protection.</p></div></div></details><details id="faq-how-much-does-an-escrow-account-cost" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">How much does an escrow account cost?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2><strong>How much does an escrow account cost?</strong></h2><p>The cost of an escrow account depends on the complexity, duration, value, and structure of your arrangement. Almost all of our escrow and third-party managed accounts are bespoke, so we provide a tailored quote once we understand your requirements.</p><h2><strong>How our escrow pricing is built</strong></h2><h3>Compliance Fee</h3><p>Covers all anti-money laundering and regulatory checks we are required to perform, including:</p><ul><li><a href="/glossary/kyc">Know-Your-Client (KYC)</a> verification;</li><li>Establishing <a href="/glossary/source-of-funds">source of funds</a> and <a href="/glossary/source-of-wealth">source of wealth</a>; and</li><li>Ongoing <a href="/glossary/sanctions-screening">transaction monitoring</a>.</li></ul><h3>Escrow Agreement Fee</h3><p>Includes drafting our standard escrow agreement to govern how funds are held and released.</p><p>If you provide your own agreement, the fee covers a detailed review and any necessary amendments to ensure compliance and sustainability.</p><h3>Monthly Management Fee</h3><p>Provides access to your escrow agent or account manager for the life of the arrangement. Includes use of our secure account portal, available 24/7 for transaction tracking and document storage.</p><h3>Additional Party Fee</h3><p>Applies if extra parties (e.g. subcontractors in a Project Bank Account) need to join the arrangement.</p><p>
39Covers administration, documentation, and portal access setup.</p><h3>Escrow Agent Fee</h3><p>A value-based fee for operating the arrangement, generally a percentage of the funds handled. For the largest transactions, this is typically around 1% of the funds held.</p><h3><strong>Example</strong></h3><p>A high-value construction escrow might incur:</p><ul><li>Compliance fee for all contracting parties;</li><li>Agreement drafting fee;</li><li>Monthly management fee over a 12-month term; and</li><li>Escrow agent fee based on the deposit value.</li></ul><h3>Why we quote individually</h3><p>Every transaction is different in scope, duration, and complexity. Bespoke pricing ensures that costs are proportionate and reflect the regulatory and operational safeguards needed to protect all parties.</p><h3>Next Steps</h3><p>See our full <a href="/pricing"><strong>Pricing</strong></a> page for details of how these elements work in practice, or explore our <a href="/escrow-accounts">Escrow Accounts</a>, <a href="/third-party-managed-accounts/project-bank-accounts">Project Bank Accounts</a>, and <a href="/third-party-managed-accounts">TPMA's</a> for sector-specific examples.</p><p>You can also <a href="/request-a-quote">request a quote </a>or <a href="/book-a-video-call">book a video call</a> to speak to an escrow agent to discuss your requirements.</p></div></div></details><details id="faq-who-pays-escrow-fees-in-a-typical-escrow-transaction" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">Who pays escrow fees in a typical escrow transaction?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2>Who pays escrow fees in a typical escrow transaction?</h2><p>In most cases, the buyer covers the escrow fees. Escrow is often seen as a measure to protect the buyer’s interests, especially where funds are being held pending delivery, completion, or satisfaction of contractual conditions.</p><p>However, when both parties benefit equally from the arrangement - such as in <a href="/escrow-accounts/construction-escrow">construction</a> contracts, <a href="/escrow-accounts/mergers-acquisitions-escrow">M&amp;A transactions</a>, or luxury <a href="/escrow-accounts/marine-escrow">yacht</a> or <a href="/escrow-accounts/aircraft-purchase-escrow">jet</a> sales - it is common to agree on a shared cost split. This approach is similar to how legal or notarial fees may be divided in some transactions.</p><h2>Why it matters</h2><ul><li>Clarifies expectations upfront and simplifies negotiations.</li><li>Prevents cost disputes during or after the escrow process.</li><li>Promotes fairness in transactions where multiple parties benefit from escrow protections.</li></ul></div></div></details><details id="faq-are-escrow-agents-regulated-in-the-uk" class="group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2"><summary class="flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]">Are escrow agents regulated in the UK?<span aria-hidden="true" class="shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45">+</span></summary><div class="pb-4"><div class="prose-cms text-[var(--color-text-muted)]"><h2>Are escrow agents regulated in the UK?</h2><p>Being an escrow agent in the UK is not itself a regulated activity. However, most providers are regulated because they perform related activities - such as legal, trustee, banking, or payment services - and thus fall under regulatory oversight through those roles.</p><h2>Why that matters</h2><ul><li>Regulation ensures client funds are properly safeguarded and handled in compliance with legal standards.</li><li>Many <a href="/glossary/escrow">escrow</a> providers are FCA-authorised payment service providers or are regulated as solicitors handling client money under the SRA Accounts Rules.</li><li>At dospay, all GBP escrow and TPMA funds are segregated and held at the Bank of England, adding an extra layer of security.</li></ul><h2>Examples of regulated providers</h2><ul><li>Law firms handling escrow as part of legal services.</li><li>Trustees managing funds for structured deals.</li><li>FCA-authorised fintech or banks offering <a href="/glossary/escrow">escrow</a> or <a href="/glossary/tpma">TPMA</a> services.</li></ul><h2>How dospay ensures trust and compliance</h2><ul><li>Licensed by the Financial Conduct Authority under the Payment Services Regulations 2017.</li><li>Funds are held in safeguarded, segregated accounts at the Bank of England.</li><li>Offers transparent, regulated, and secure escrow services across sectors such as <a href="/sectors/construction">construction</a>, <a href="/escrow-accounts/mergers-acquisitions-escrow">M&amp;A</a>, <a href="/sectors/marine">marine</a>, and <a href="/escrow-accounts">more</a>.</li></ul></div></div></details></div></section><section class="mt-16 rounded-[var(--radius-lg)] border border-[var(--color-border)] bg-[var(--color-surface-muted)] p-8"><div class="grid gap-6 sm:grid-cols-2 sm:items-center"><div><h2 class="text-2xl font-semibold tracking-tight">Request a quote</h2><p class="mt-2 text-[var(--color-text-muted)]">We&#x27;ll be happy to provide a free, no-obligation quote, usually on the same day. In the alternative, why not book a video call to speak with one of our team?</p></div><div class="sm:justify-self-end"><div class="flex flex-wrap gap-3"><a class="inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-1 focus-visible:ring-offset-transparent focus-visible:ring-[var(--color-brand-edge)] disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-border)] bg-[var(--color-surface)] text-[var(--color-text)] hover:bg-[var(--color-surface-muted)] h-11 px-5 text-[15px]" href="/book-a-video-call">Book a video call</a><a class="inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-1 focus-visible:ring-offset-transparent focus-visible:ring-[var(--color-brand-edge)] disabled:pointer-events-none disabled:opacity-50 bg-[var(--color-brand)] text-[var(--color-on-brand)] hover:bg-[var(--color-brand-hover)] h-11 px-5 text-[15px]" href="/request-a-quote?from=%2Fescrow-accounts%2Fdivorce-escrow&amp;product=escrow-accounts">Request a quote</a></div><p class="mt-4 text-sm text-[var(--color-text-muted)]"><a href="tel:+442045726303" class="font-medium text-[var(--color-brand-ink)]">+44 (0)20 4572 6303</a></p><p class="mt-1 text-sm text-[var(--color-text-subtle)]">c/o DOS &amp; Co., SB.149 China Works, 100 Black Prince Road, London SE1 7SJ</p></div></div></section></div><div class="mx-auto w-full max-w-6xl px-6"></div><div class="mx-auto w-full max-w-6xl px-6 pb-14"><section id="quote" class="mt-16 grid gap-10 lg:grid-cols-[1fr_minmax(0,560px)]"><div><h2 class="text-3xl font-semibold tracking-tight">Get your quote.</h2><p class="mt-3 max-w-prose text-lg text-[var(--color-text-muted)]">We’ve pre-selected this account type for you. Free, no obligation, usually on the same day.</p></div><div class="rounded-[var(--radius-lg)] border border-[var(--color-border)] bg-[var(--color-surface)] p-6 shadow-[var(--elevation-floating)] sm:p-8"><form noValidate="" class="max-w-xl space-y-6"><p class="text-[var(--color-text-muted)]">First, who shall we send the quote to? We&#x27;ll then ask about your transaction.</p><div><label class="block text-sm font-medium text-[var(--color-text)]" for="contactName">Your name<!-- --> *</label><div class="mt-1"><input id="contactName" aria-required="true" type="text" autoComplete="name" class="rounded-md border border-[var(--color-border)] bg-[var(--color-surface)] outline-none focus:border-[var(--color-brand-edge)] focu
39s:ring-1 focus:ring-[var(--color-brand-edge)] w-full h-10 px-3 text-[14px] text-[var(--color-text)] placeholder:text-[var(--color-text-subtle)]" value=""/></div></div><div><label class="block text-sm font-medium text-[var(--color-text)]" for="contactEmail">Best email address<!-- --> *</label><div class="mt-1"><input id="contactEmail" aria-required="true" type="email" autoComplete="email" class="rounded-md border border-[var(--color-border)] bg-[var(--color-surface)] outline-none focus:border-[var(--color-brand-edge)] focus:ring-1 focus:ring-[var(--color-brand-edge)] w-full h-10 px-3 text-[14px] text-[var(--color-text)] placeholder:text-[var(--color-text-subtle)]" placeholder="[email protected]" value=""/></div></div><button type="submit" class="inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-1 focus-visible:ring-offset-transparent focus-visible:ring-[var(--color-brand-edge)] disabled:pointer-events-none disabled:opacity-50 bg-[var(--color-brand)] text-[var(--color-on-brand)] hover:bg-[var(--color-brand-hover)] h-12 px-6 text-base w-full sm:w-auto">Continue</button><p class="text-xs text-[var(--color-text-subtle)]">When you send this form, we store a cookie on this device so that we can recognise it on later visits and link them to you.<!-- --> <a class="underline" href="/legal/cookie-policy">See our cookie notice.</a></p><p class="text-xs text-[var(--color-text-subtle)]">We use these details to prepare and send your quote. See our<!-- --> <a class="underline" href="/legal/privacy-policy">privacy notice</a> <!-- -->for more information.</p></form></div></section></div><!--$--><!--/$--></main><footer data-site-chrome="true" class="border-t border-[var(--color-border)] bg-[var(--color-surface-muted)] pb-[var(--bottom-bar-height,0px)] transition-[padding-bottom] duration-200 ease-out motion-reduce:transition-none"><div class="mx-auto w-full max-w-6xl px-6 pt-10 pb-12 sm:pt-12 max-xl:pb-16"><div class="grid gap-x-8 gap-y-10 md:grid-cols-[minmax(0,220px)_minmax(0,1fr)]"><div><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/quote/logoBlue-1781021847828.png" alt="dospay" class="theme-light-only h-6 w-auto"/><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/quote/logoWhite-1781021847705.png" alt="" aria-hidden="true" class="theme-dark-only h-6 w-auto"/><p class="mt-3 max-w-[260px] text-sm text-[var(--color-text-subtle)]">Escrow &amp; third-party managed accounts, with GBP deposits safeguarded at the Bank of England.</p><div class="mt-5 max-w-[260px]"></div></div><div><div data-no-cta="" class="grid grid-cols-2 gap-x-6 gap-y-8 sm:gap-8 md:grid-cols-3"><nav aria-label="dospay"><h2 class="text-sm font-semibold text-[var(--color-text)]">dospay</h2><ul class="mt-3 space-y-2 text-sm"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts">Escrow Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts">Third-Party Managed Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/pricing">Pricing</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary">Glossary</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/articles">Articles</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq">FAQs</a></li></ul></nav><nav aria-label="Company"><h2 class="text-sm font-semibold text-[var(--color-text)]">Company</h2><ul class="mt-3 space-y-2 text-sm"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors">Sectors</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/introducers-and-partners">Introducers &amp; Partners</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/trust">Trust Centre</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/contact">Contact us</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/terms">Terms</a></li><li><a href="https://dos.co" target="_blank" rel="noopener noreferrer" class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]">DOS &amp; Co.</a></li></ul></nav><nav aria-label="Schemes"><h2 class="text-sm font-semibold text-[var(--color-text)]">Schemes</h2><ul class="mt-3 space-y-2 text-sm"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/schemes/uk-retention-deposit-scheme">UK Retention Deposit Scheme</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/security-for-expenses">UK Security for Expenses Scheme</a></li></ul></nav></div></div></div><aside class="grid items-start gap-x-8 gap-y-6 lg:grid-cols-3 rounded-2xl border border-[var(--color-border)] bg-[var(--color-brand-soft)] p-4 mt
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Dispute Resolution</div><div class="text-[13px] font-semibold leading-[1.35] text-[var(--color-text)] underline-offset-2 group-hover:underline">Why can&#x27;t law firms in the UK provide escrow services?</div><div class="mt-1 text-[11.5px] text-[var(--color-text-muted)]">2 Mar 2026</div></div></a></div><a class="group block rounded-lg px-2 py-1" href="/articles/uk-project-bank-account-providers"><span class="block text-[12.5px] font-medium leading-[1.4] text-[var(--color-text)] underline-offset-2 group-hover:underline">UK Project Bank Account Providers List (2026)</span><span class="mt-0.5 block text-[11.5px] text-[var(--color-text-muted)]">22 May 2026</span></a><a class="group block rounded-lg px-2 py-1" href="/articles/construction-escrow-a-contractors-guide"><span class="block text-[12.5px] font-medium leading-[1.4] text-[var(--color-text)] underline-offset-2 group-hover:underline">Construction Escrow: A Contractor&#x27;s Guide</span><span class="mt-0.5 block text-[11.5px] text-[var(--color-text-muted)]">19 May 2026</span></a></div></div><div class="border-t border-[var(--color-border)] pt-6 lg:border-t-0 lg:pt-0" role="group" aria-labelledby="_R_4t5ubtb_-claims-1"><div id="_R_4t5ubtb_-claims-1" class="mb-2 text-[13px] font-semibold leading-[1.35] text-[var(--color-text)]">Why dospay</div><div class="flex flex-col gap-2"><a class="flex items-start gap-2 text-[var(--color-text-muted)] hover:text-[var(--color-text)]" href="/trust/regulatory"><span class="mt-0.5 shrink-0 text-[var(--color-brand-ink)]"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="15" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield-check" aria-hidden="true"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path><path d="m9 12 2 2 4-4"></path></svg></span><span class="text-[12.5px] leading-[1.45]">FCA-Authorised</span></a><a class="flex items-start gap-2 text-[var(--color-text-muted)] hover:text-[var(--color-text)]" href="/trust/security"><span class="mt-0.5 shrink-0 text-[var(--color-brand-ink)]"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="15" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-badge-check" aria-hidden="true"><path d="M3.85 8.62a4 4 0 0 1 4.78-4.77 4 4 0 0 1 6.74 0 4 4 0 0 1 4.78 4.78 4 4 0 0 1 0 6.74 4 4 0 0 1-4.77 4.78 4 4 0 0 1-6.75 0 4 4 0 0 1-4.78-4.77 4 4 0 0 1 0-6.76Z"></path><path d="m9 12 2 2 4-4"></path></svg></span><span class="text-[12.5px] leading-[1.45]">ISO 27001</span></a><a class="flex items-start gap-2 text-[var(--color-text-muted)] hover:text-[var(--color-text)]" href="/trust/company"><span class="mt-0.5 shrink-0 text-[var(--color-brand-ink)]"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="15" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-leaf" aria-hidden="true"><path d="M11 20A7 7 0 0 1 9.8 6.1C15.5 5 17 4.48 19 2c1 2 2 4.18 2 8 0 5.5-4.78 10-10 10Z"></path><path d="M2 21c0-3 1.85-5.36 5.08-6C9.5 14.52 12 13 13 12"></path></svg></span><span class="text-[12.5px] leading-[1.45]">B Corp</span></a></div></div><div class="border-t border-[var(--color-border)] pt-6 lg:border-t-0 lg:pt-0 lg:max-w-sm"><div><div class="mb-1 text-[13.5px] font-semibold leading-[1.45] text-[var(--color-text)]">Not sure which account you need?</div><div class="mb-3 text-[12px] leading-[1.5] text-[var(--color-text-muted)]">
39Tell us about the transaction and we will come back within a working day.</div><a class="inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-1 focus-visible:ring-offset-transparent focus-visible:ring-[var(--color-brand-edge)] disabled:pointer-events-none disabled:opacity-50 bg-[var(--color-brand)] text-[var(--color-on-brand)] hover:bg-[var(--color-brand-hover)] h-9 px-3.5 text-sm w-full" href="/request-a-quote">Request a quote</a></div></div></aside><div data-no-cta="" class="mt-8 border-t border-[var(--color-border)] pt-6 sm:mt-10 sm:pt-8"><div class="grid gap-3 md:grid-cols-2 md:gap-8 lg:grid-cols-3"><nav aria-label="Escrow Accounts" class="border-t border-[var(--color-border)] pt-3 first:border-t-0 first:pt-0 md:border-t-0 md:pt-0"><div><h2 class="text-sm font-semibold text-[var(--color-text)]"><button type="button" aria-expanded="true" aria-controls="_R_2mt5ubtb_" class="flex min-h-11 w-full items-center justify-between gap-2 text-left md:hidden">Escrow Accounts<span class="flex shrink-0 items-center gap-2"><span class="rotate-180 transition-transform"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></span></button><span class="hidden md:block">Escrow Accounts</span></h2><div id="_R_2mt5ubtb_" class="block md:block"><ul class="mt-4 space-y-2 text-sm"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/aircraft-purchase-escrow">Aircraft Purchase Escrow (UK)</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/construction-escrow">Construction Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/construction-retentions-escrow">Construction Retentions Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/cross-border-escrow">Cross-Border Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/decommissioning-escrow">Decommissioning Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/divorce-escrow">Divorce Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/marine-escrow">Marine Sale &amp; Purchase Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/escrow-accounts/mergers-acquisitions-escrow">Mergers &amp; Acquisitions (&#x27;M&amp;A&#x27;) Escrow</a></li></ul><a class="mt-3 inline-block text-sm font-semibold text-[var(--color-brand-ink)]" href="/escrow-accounts">All <!-- -->Escrow Accounts<!-- --> →</a></div></div></nav><nav aria-label="Third-Party Managed Accounts" class="border-t border-[var(--color-border)] pt-3 first:border-t-0 first:pt-0 md:border-t-0 md:pt-0"><div><h2 class="text-sm font-semibold text-[var(--color-text)]"><button type="button" aria-expanded="true" aria-controls="_R_4mt5ubtb_" class="flex min-h-11 w-full items-center justify-between gap-2 text-left md:hidden">Third-Party Managed Accounts<span class="flex shrink-0 items-center gap-2"><span class="rotate-180 transition-transform"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></span></button><span class="hidden md:block">Third-Party Managed Accounts</span></h2><div id="_R_4mt5ubtb_" class="block md:block"><ul class="mt-4 space-y-2 text-sm"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/cladding-safety-scheme-trust-accounts">Cladding Safety Scheme Trust Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/corporate-paymaster-accounts">Corporate PayMaster Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/ffe-procurement-accounts">FF&amp;E Procurement Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/household-paymaster-accounts">Household PayMaster Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/mergers-acquisitions-paying-agents">M&amp;A Paying Agents</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/probate-executor-accounts">Probate &amp; Executor Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/project-bank-accounts">Project Bank Accounts</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/third-party-managed-accounts/tpmas-for-legal-fees-on-account">TPMA&#x27;s for Legal Fees on Account</a></li></ul><a class="mt-3 inline-block text-sm font-semibold text-[var(--color-brand-ink)]" href="/third-party-managed-accounts">All <!-- -->Third-Party Managed Accounts<!-- --> →</a></div></div></nav><nav aria-label="Sectors" class="border-t border-[var(--color-border)] pt-3 first:border-t-0 first:pt-0 md:border-t-0 md:pt-0"><div><h2 class="text-sm font-semibold text-[var(--color-text)]"><button type="button" aria-expanded="true" aria-controls="_R_6mt5ubtb_" class="flex min-h-11 w-full items-center justify-between gap-2 text-left md:hidden">Sectors<span class="flex shrink-0 items-center gap-2"><span class="rotate-180 transition-transform"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewB
39ox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></span></button><span class="hidden md:block">Sectors</span></h2><div id="_R_6mt5ubtb_" class="block md:block"><ul class="mt-4 space-y-2 text-sm"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/aviation">Aviation</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/bespoke">Bespoke Projects</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/construction">Construction</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/corporate">Corporate</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/legal">Legal &amp; Dispute Resolution</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/marine">Marine</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/family-office">Private Client &amp; Family Office</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/sectors/real-estate">Real Estate</a></li></ul><a class="mt-3 inline-block text-sm font-semibold text-[var(--color-brand-ink)]" href="/sectors">All <!-- -->Sectors<!-- --> →</a></div></div></nav></div><nav aria-label="Glossary" class="border-t border-[var(--color-border)] pt-3 first:border-t-0 first:pt-0 md:border-t-0 md:pt-0 mt-3 md:mt-10"><div><h2 class="text-sm font-semibold text-[var(--color-text)]"><button type="button" aria-expanded="true" aria-controls="_R_36t5ubtb_" class="flex min-h-11 w-full items-center justify-between gap-2 text-left md:hidden">Glossary<span class="flex shrink-0 items-center gap-2"><span class="rotate-180 transition-transform"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></span></button><span class="hidden md:block">Glossary</span></h2><div id="_R_36t5ubtb_" class="block md:block"><ul class="mt-4 gap-x-8 text-sm md:columns-2 lg:columns-3 [&amp;&gt;li]:mb-2 [&amp;&gt;li]:break-inside-avoid"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/beneficiary">Beneficiary</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/counter-terrorist-financing-ctf">Counter-Terrorist Financing (CTF)</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/escrow">Escrow</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/executor-account">Executor Account</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/grant-of-probate">Grant of Probate</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/letters-of-administration">Letters of Administration</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/probate-registry">Probate Registry</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/glossary/project-bank-account">Project Bank Account</a></li></ul><a class="mt-3 inline-block text-sm font-semibold text-[var(--color-brand-ink)]" href="/glossary">All <!-- -->Glossary<!-- --> →</a></div></div></nav><nav aria-label="Frequently asked questions" class="border-t border-[var(--color-border)] pt-3 first:border-t-0 first:pt-0 md:border-t-0 md:pt-0 mt-3 md:mt-10"><div><h2 class="text-sm font-semibold text-[var(--color-text)]"><button type="button" aria-expanded="true" aria-controls="_R_56t5ubtb_" class="flex min-h-11 w-full items-center justify-between gap-2 text-left md:hidden">Frequently asked questions<span class="flex shrink-0 items-center gap-2"><span class="rotate-180 transition-transform"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewB
39ox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></span></button><span class="hidden md:block">Frequently asked questions</span></h2><div id="_R_56t5ubtb_" class="block md:block"><ul class="mt-4 gap-x-8 text-sm md:columns-2 lg:columns-3 [&amp;&gt;li]:mb-2 [&amp;&gt;li]:break-inside-avoid"><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/are-escrow-agents-regulated-in-the-uk">Are escrow agents regulated in the UK?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/can-escrow-be-used-for-personal-transactions">Can escrow be used for personal transactions?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/can-i-withdraw-money-from-an-escrow-account">Can I withdraw money from an escrow account?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/do-escrow-accounts-earn-interest-in-the-uk">Do Escrow Accounts Earn Interest in the UK?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/how-much-does-an-escrow-account-cost">How much does an escrow account cost?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/what-is-an-escrow-agreement">What is an escrow agreement?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/what-is-the-difference-between-an-escrow-and-a-payment-service">What is the difference between an escrow and a payment service?</a></li><li><a class="text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]" href="/faq/who-owns-the-money-in-an-escrow-account">Who owns the money in an escrow account?</a></li></ul><a class="mt-3 inline-block text-sm font-semibold text-[var(--color-brand-ink)]" href="/faq">All <!-- -->Frequently asked questions<!-- --> →</a></div></div></nav></div><section aria-labelledby="footer-trust-impact" class="mt-8 border-t border-[var(--color-border)] pt-6 sm:mt-10 sm:pt-8"><div class="flex flex-wrap items-baseline justify-between gap-x-6 gap-y-1"><h2 id="footer-trust-impact" class="text-sm font-semibold text-[var(--color-text)]">Trust &amp; Impact</h2><a class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0 text-sm font-medium text-[var(--color-brand-ink)]" href="/trust">Visit the Trust Centre<svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a></div><div class="mt-4 grid gap-6 sm:mt-5 lg:grid-cols-[minmax(0,2fr)_minmax(0,1fr)]"><div class="flex flex-col gap-3"><h3 class="text-xs font-semibold uppercase tracking-[0.06em] text-[var(--color-text-subtle)]">Regulation &amp; security</h3><div class="flex-1 overflow-hidden rounded-xl border border-[var(--color-border)] bg-[var(--color-surface)]"><ul class="-ml-px -mt-px grid h-[calc(100%+1px)] sm:grid-cols-3"><li class="border-l border-t border-[var(--color-border)] flex gap-4 p-4 sm:flex-col sm:gap-2 sm:p-6"><div class="flex h-11 w-14 shrink-0 items-center sm:mb-2 sm:w-auto"><span class="flex h-11 w-11 items-center justify-center rounded-[10px] bg-[color-mix(in_srgb,var(--color-brand-ink)_10%,transparent)] text-[var(--color-brand-ink)]"><svg xmlns="http://www.w3.org/2000/svg" width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield-check" aria-hidden="true"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path><path d="m9 12 2 2 4-4"></path></svg></span></div><div class="flex min-w-0 flex-1 flex-col gap-1 sm:gap-2"><p class="text-sm font-semibold text-[var(--color-text)] sm:text-base">FCA-authorised</p><p class="text-sm text-[var(--color-text-subtle)]">FRN 1041318 · Financial Conduct Authority</p><div class="mt-auto flex flex-wrap gap-x-4 pt-1 text-sm font-medium text-[var(--color-brand-ink)] sm:pt-2 "><a class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0" href="/trust/regulatory">Regulatory &amp; licensing</a><a href="https://register.fca.org.uk/s/firm?id=001Sk00000mqH5xIAE" target="_blank" rel="noopener noreferrer" class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0">FCA Register<svg xmlns="http://www.w3.org/2000/svg" width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg><span class="sr-only"> (opens in a new tab)</span></a></div></div></li><li class="border-l border-t border-[var(--color-border)] flex gap-4 p-4 sm:flex-col sm:gap-2 sm:p-6"><div class="flex h-11 w-14 shrink-0 items-center sm:mb-2 sm:w-auto"><span class="inline-flex"><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/trust-claim/iso-27001/mark-1789150831237.png" alt="ISO/IEC 27001" class="theme-light-only h-8 w-auto sm:h-9"/><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/trust-claim/iso-27001/mark_dark-1789150831552.png" alt="" aria-hidden="true" class="theme-dark-only h-8 w-auto sm:h-9"/></span></div><div class="flex min-w-0 flex-1 flex-col gap-1 sm:gap-2"><p class="text-sm text-[var(--color-text-subtle)]">Certificate No. 00510 · UKAS-accredited (3core²)</p><p class="text-sm font-semibold text-[var(--color-text)] sm:text-base">ISO/IEC 27001</p><div class="mt-auto flex flex-wrap gap-x-4 pt-1 text-sm font-medium text-[var(--color-brand-ink)] sm:pt-2 "><a class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0" href="/trust/security">Information security</a></div></div></li><li class="border-l border-t border-[var(--color-border)] flex gap-4 p-4 sm:flex-col sm:gap-2 sm:p-6"><div class="flex h-11 w-14 shrink-0 items-center sm:mb-2 sm:w-auto"><span class="flex h-11 w-11 items-center justify-center rounded-[10px] bg-[color-mix(in_srgb,var(--color-brand-ink)_10%,transparent)] text-[var(--color-brand-ink)]"><svg xmlns="http://www.w3.org/2000/svg" width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.75" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-landmark" aria-hidden="true"><path d="M10 18v-7"></path><path d="M11.119 2.205a2 2 0 0 1 1.762 0l7.84 3.846A.5.5 0 0 1 20.5 7h-17a.5.5 0 0 1-.22-.949z"></path><path d="M14 18v-7"></path><path d="M18 18v-7"></path><path d="M3 22h18"></path><path d="M6 18v-7"></path></svg></span></div><div class="flex min-w-0 flex-1 flex-col gap-1 sm:gap-2"><p class="text-sm font-semibold text-[var(--color-text)] sm:text-base">Bank of England</p><p class="text-sm text-[var(--color-text-subtle)]">Safeguarded GBP is held liquid and unencumbered at the Bank of England through our banking technology partners.</p><div class="mt-auto flex flex-wrap gap-x-4 pt-1 text-sm font-medium text-[var(--color-brand-ink)] sm:pt-2 "><a class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0" href="/trust/safeguarding">How your money is protected</a></div></div></li></ul></div></div><div class="order-first flex flex-col gap-3 lg:order-none"><h3 class="text-xs font-semibold uppercase tracking-[0.06em] text-[var(--color-text-subtle)]">Impact</h3><div class="flex-1 overflow-hidden rounded-xl border border-[var(--color-border)] bg-[var(--color-surface)]"><ul class="-ml-px -mt-px grid h-[calc(100%+1px)] grid-cols-2"><li class="border-l border-t border-[var(--color-border)] flex flex-col items-center gap-2 p-4 text-center sm:p-6"><div class="flex h-[140px] items-center justify-center"><span class="inline-flex"><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/quote/bcorpSquare-1783527095459.png" alt="Certified B Corporation" class="theme-light-only h-[104px] w-auto"/><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/trust-claim/b-corp/mark_dark-1791213267586.png" alt="" aria-hidden="true" class="theme-dark-only h-[104px] w-auto"/></span></div><p class="text-sm font-semibold text-[var(--color-text)] sm:text-base">Certified B Corporation</p><div class="mt-auto flex flex-wrap gap-x-4 pt-1 text-sm font-medium text-[var(--color-brand-ink)] sm:pt-2 justify-center"><a class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0" href="/trust/company">Company &amp; governance</a><a href="https://www.bcorporation.net/en-us/find-a-b-corp/company/dos-co/" target="_blank" rel="noopener noreferrer" class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0">B Corp profile<svg xmlns="http://www.w3.org/2000/svg" width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg><span class="sr-only"> (opens in a new tab)</span></a></div></li><li class="border-l border-t border-[var(--color-border)] flex flex-col items-center gap-2 p-4 text-center sm:p-6"><div class="flex h-[140px] items-center justify-center"><span class="relative block h-[140px] w-[140px] shrink-0"><noscript><img src="https://jmbmsyrxrkaylcucgpou.supabase.co/storage/v1/object/public/brand/quote/primeCircle-1781021848427.png" alt="We Are PRIME Founder Member: live PRIME score" class="mx-auto block h-[120px] w-auto"/></noscript></span></div><p class="text-sm font-semibold text-[var(--color-text)] sm:text-base">We Are PRIME Founder Member</p><div class="mt-auto flex flex-wrap gap-x-4 pt-1 text-sm font-medium text-[var(--color-brand-ink)] sm:pt-2 justify-center"><a class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0" href="/trust/company">Company &amp; governance</a><a href="https://www.weareprime.org/members/dos-and-co" target="_blank" rel="noopener noreferrer" class="inline-flex min-h-11 items-center gap-1 hover:underline hover:underline-offset-4 sm:min-h-0">PRIME profile<svg xmlns="http://www.w3.org/2000/svg" width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg><span class="sr-only"> (opens in a new tab)</span></a></div></li></ul></div></div></div></section><div data-no-cta="" class="mt-8 border-t border-[var(--color-border)] pt-6 sm:mt-10 sm:pt-8 space-y-2 text-xs leading-relaxed text-[var(--color-text-subtle)]"><p>dospay is a trading name of DOS &amp; Co. Ltd, a company registered in England and Wales with company number 08294966.</p><p>DOS &amp; Co. Ltd. is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN: 1041318) for the provision of payment services.</p><p>All of our GBP escrow and third-party managed accounts are segregated and safeguarded at the Bank of England. Other 
39currencies are held through JP Morgan.</p><p>Certified B Corporation · ISO/IEC 27001:2022 (Certificate No. 00510).</p><div class="flex flex-wrap items-center gap-x-4 gap-y-2 pt-2"><span>© <!-- -->2026<!-- --> DOS &amp; Co. Ltd. All rights reserved.</span><a class="hover:text-[var(--color-brand-ink)]" href="/legal">Legal &amp; Notices</a><a class="hover:text-[var(--color-brand-ink)]" href="/legal/privacy-policy">Privacy</a><a class="hover:text-[var(--color-brand-ink)]" href="/trust">Trust</a><button type="button" class="hover:text-[var(--color-brand-ink)]">Cookie settings</button><div role="radiogroup" aria-label="Appearance" class="inline-flex items-center gap-1 "><span aria-hidden="true">Appearance:</span><button type="button" role="radio" aria-checked="true" class="rounded-[var(--radius-sm)] px-1.5 py-0.5 font-semibold text-[var(--color-text)] underline underline-offset-2">System</button><button type="button" role="radio" aria-checked="false" class="rounded-[var(--radius-sm)] px-1.5 py-0.5 hover:text-[var(--color-brand-ink)]">Light</button><button type="button" role="radio" aria-checked="false" class="rounded-[var(--radius-sm)] px-1.5 py-0.5 hover:text-[var(--color-brand-ink)]">Dark</button></div></div></div></div></footer></div></div>
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39<script>self.__next_f.push([1,"25:[\"$\",\"section\",\"overview\",{\"id\":\"overview\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"Overview\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"A brief overview of the account and how it works.\"}],[\"$\",\"nav\",null,{\"aria-label\":\"Overview sections\",\"className\":\"mt-4\",\"children\":[[\"$\",\"p\",null,{\"className\":\"text-xs font-medium text-[var(--color-text-subtle)]\",\"children\":\"Jump to:\"}],[\"$\",\"ul\",null,{\"className\":\"mt-2 space-y-1.5 text-sm\",\"children\":[[\"$\",\"li\",\"overview-what-is-it\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#overview-what-is-it\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"What is it?\"}]}],[\"$\",\"li\",\"overview-who-is-it-suitable-for\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#overview-who-is-it-suitable-for\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"Who is it suitable for?\"}]}],[\"$\",\"li\",\"overview-when-is-it-typically-used\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#overview-when-is-it-typically-used\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"When is it typically used?\"}]}]]}]]}],[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"overview-what-is-it\",{\"id\":\"overview-what-is-it\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"What is it?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce Escrow is an arrangement used to hold funds securely during divorce or separation proceedings.\u003c/p\u003e\u003cp\u003eInstead of one party’s solicitor holding sale proceeds or settlement money, funds are paid into an independent escrow account. The funds are held there and released only when agreed conditions are met.\u003c/p\u003e\u003cp\u003eDivorce Escrow is commonly used where matrimonial assets are sold before the final financial order, or where capital payments are agreed but not yet due to be transferred.\u003c/p\u003e\"}}]]}],[\"$\",\"div\",\"overview-who-is-it-suitable-for\",{\"id\":\"overview-who-is-it-suitable-for\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"Who is it suitable for?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce Escrow is suitable for separating spouses or partners who need a neutral way to hold funds while financial arrangements are finalised.\u003c/p\u003e\u003cp\u003eIt is often used where trust between the parties is limited, or where neither party is comfortable with the other’s solicitor holding significant sums for an extended period.\u003c/p\u003e\u003cp\u003eFamily lawyers and advisors also use Divorce Escrow where funds need to be held for longer than is normally appropriate in a solicitor’s client account, or where neutrality is important.\u003c/p\u003e\"}}]]}],[\"$\",\"div\",\"overview-when-is-it-typically-used\",{\"id\":\"overview-when-is-it-typically-used\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[\"$L34\",\"$L35\"]}]]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"26:[\"$\",\"section\",\"benefits-outcomes\",{\"id\":\"benefits-outcomes\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"Benefits \u0026 Outcomes\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"The problems it solves and the benefits it delivers.\"}],false,[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"benefits-outcomes-what-challenges-does-it-address\",{\"id\":\"benefits-outcomes-what-challenges-does-it-address\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"What challenges does it address?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce and separation often involve large sums of money being realised (eg, from the sale of a property) before the final financial outcome is known. This can create tension and risk for both parties.\u003c/p\u003e\u003cp\u003eOne party may not trust the other to hold funds safely. There may also be concern about one party’s solicitor holding funds for a prolonged period, particularly where the money is not yet due to be paid out.\u003c/p\u003e\u003cp\u003eDivorce Escrow addresses these challenges by removing control of the funds from both parties and placing them with a neutral third party. This reduces mistrust and helps prevent disputes about how money is held or used while matters are resolved.\u003c/p\u003e\"}}]]}]]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"27:[\"$\",\"section\",\"service-structure\",{\"id\":\"service-structure\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"Service Structure\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"How the arrangement can be structured and tailored.\"}],[\"$\",\"nav\",null,{\"aria-label\":\"Service Structure sections\",\"className\":\"mt-4\",\"children\":[[\"$\",\"p\",null,{\"className\":\"text-xs font-medium text-[var(--color-text-subtle)]\",\"children\":\"Jump to:\"}],[\"$\",\"ul\",null,{\"className\":\"mt-2 space-y-1.5 text-sm\",\"children\":[[\"$\",\"li\",\"service-structure-what-types-of-arrangement-are-available\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#service-structure-what-types-of-arrangement-are-available\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"What types of arrangement are available?\"}]}],[\"$\",\"li\",\"service-structure-how-can-arrangements-be-tailored-or-combined\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#service-structure-how-can-arrangements-be-tailored-or-combined\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How can arrangements be tailored or combined?\"}]}]]}]]}],[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"service-structure-what-types-of-arrangement-are-available\",{\"id\":\"service-structure-what-types-of-arrangement-are-available\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"What types of arrangement are available?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce Escrow can be used in more than one way, depending on how the parties’ finances are being resolved.\u003c/p\u003e\u003cp\u003eMost commonly, escrow is used to hold the proceeds from the sale of matrimonial assets, such as the family home, investment property or jointly owned shares. The funds are paid into escrow once the sale completes and held until the final settlement is agreed.\u003c/p\u003e\u003cp\u003eEscrow may also be used to hold funds for equalisation payments, where one party is due to receive a capital sum but the timing or conditions for payment are not yet final.\u003c/p\u003e\"}}]]}],[\"$\",\"div\",\"service-structure-how-can-arrangements-be-tailored-or-combined\",{\"id\":\"service-structure-how-can-arrangements-be-tailored-or-combined\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How can arrangements be tailored or combined?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eYes. Divorce Escrow arrangements are often tailored to reflect the specific circumstances of the parties and the assets involved.\u003c/p\u003e\u003cp\u003eFor example, separate escrow accounts may be used for different assets, or funds may be released in stages as parts of the settlement are agreed or approved.\u003c/p\u003e\u003cp\u003eEscrow can also be c
39ombined with undertakings, interim agreements or court directions, provided the release conditions are clearly documented in the escrow agreement.\u003c/p\u003e\"}}]]}]]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"28:[\"$\",\"section\",\"how-it-works\",{\"id\":\"how-it-works\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"How it Works\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"How the account operates in practice.\"}],[\"$\",\"nav\",null,{\"aria-label\":\"How it Works sections\",\"className\":\"mt-4\",\"children\":[[\"$\",\"p\",null,{\"className\":\"text-xs font-medium text-[var(--color-text-subtle)]\",\"children\":\"Jump to:\"}],[\"$\",\"ul\",null,{\"className\":\"mt-2 space-y-1.5 text-sm\",\"children\":[[\"$\",\"li\",\"how-it-works-how-does-it-work-in-practice\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#how-it-works-how-does-it-work-in-practice\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How does it work in practice?\"}]}],[\"$\",\"li\",\"how-it-works-how-does-it-interact-with-the-underlying-obligations\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#how-it-works-how-does-it-interact-with-the-underlying-obligations\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How does it interact with the underlying obligations?\"}]}],[\"$\",\"li\",\"how-it-works-who-can-give-instructions\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#how-it-works-who-can-give-instructions\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"Who can give instructions?\"}]}],[\"$\",\"li\",\"how-it-works-what-does-the-whole-process-look-like\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#how-it-works-what-does-the-whole-process-look-like\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"What does the whole process look like?\"}]}]]}]]}],[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"how-it-works-how-does-it-work-in-practice\",{\"id\":\"how-it-works-how-does-it-work-in-practice\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How does it work in practice?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce Escrow works by holding funds independently while the financial outcome of the divorce is finalised.\u003c/p\u003e\u003cp\u003eInstead of money being controlled by one party or held in a solicitor’s client account for an extended period, funds are paid into an escrow account. The funds remain there until the agreed conditions for release are met.\u003c/p\u003e\u003cp\u003eThis allows the parties to progress negotiations or court proceedings without worrying about the safety or availability of the money.\u003c/p\u003e\"}}]]}],[\"$\",\"div\",\"how-it-works-how-does-it-interact-with-the-underlying-obligations\",{\"id\":\"how-it-works-how-does-it-interact-with-the-underlying-obligations\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How does it interact with the underlying obligations?\"}],\"$L36\"]}],\"$L37\",\"$L38\"]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"29:[\"$\",\"section\",\"account-set-up\",{\"id\":\"account-set-up\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"Account Set-Up\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"Opening an account and what you'll need.\"}],[\"$\",\"nav\",null,{\"aria-label\":\"Account Set-Up sections\",\"className\":\"mt-4\",\"children\":[[\"$\",\"p\",null,{\"className\":\"text-xs font-medium text-[var(--color-text-subtle)]\",\"children\":\"Jump to:\"}],[\"$\",\"ul\",null,{\"className\":\"mt-2 space-y-1.5 text-sm\",\"children\":[[\"$\",\"li\",\"account-set-up-how-do-i-open-an-account\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-how-do-i-open-an-account\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How do I open an account?\"}]}],[\"$\",\"li\",\"account-set-up-how-long-does-it-take\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-how-long-does-it-take\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How long does it take?\"}]}],[\"$\",\"li\",\"account-set-up-what-information-is-required\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-what-information-is-required\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"What information is required?\"}]}],[\"$\",\"li\",\"account-set-up-account-opening-checklist\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-account-opening-checklist\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"Account opening checklist\"}]}]]}]]}],[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"account-set-up-how-do-i-open-an-account\",{\"id\":\"account-set-up-how-do-i-open-an-account\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How do I open an account?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eSetting up a Divorce Escrow account starts with agreeing why the funds will be held and what conditions will apply to their release. This is usually linked to the sale of matrimonial assets or agreed equalisation payments.\u003c/p\u003e\u003cp\u003eAn escrow agreement is then prepared. This document sets out how the account will operate, who can give instructions and what evidence is required for release.\u003c/p\u003e\u003cp\u003eAt the same time, we begin the account opening and onboarding process so the account is ready to receive funds when they become available.\u003c/p\u003e\"}}]]}],[\"$\",\"div\",\"account-set-up-how-long-does-it-take\",{\"id\":\"account-set-up-how-long-does-it-take\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How long does it take?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eThe time needed to open a Divorce Escrow account depends on the parties involved and the complexity of the arrangements.\u003c/p\u003e\u003cp\u003eFor straightforward cases, account opening can usually be completed within a short period once the required information has been provided and the escrow agreement is agreed. More complex structures, such as those involving trusts, companies or overseas assets, may take longer.\u003c/p\u003e\u003cp\u003eMost delays arise from incomplete information rather than from the escrow process itself.\u003c/p\u003e\"}}]]}],\"$L39\",\"$L3a\"]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"2a:[\"$\",\"section\",\"funding-payments-releases\",{\"id\":\"funding-payments-releases\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"Funding, Payments \u0026 Releases\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"How funds move in and out of the account.\"}],[\"$\",\"nav\",null,{\"aria-label\":\"Funding, Payments \u0026 Releases sections\",\"className\":\"mt-4\",\"children\":[[\"$\",\"p\",null,{\"className\":\"text-xs font-medium text-[var(--color-text-subtle)]\",\"children\":\"Jump to:\"}],[\"$\",\"ul\",null,{\"className\":\"mt-2 space-y-1.5 text-sm\",\"children\":[[\"$\",\"li\",\"funding-payments-releases-how-is-the-account-funded\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#funding-payments-releases-how-is-the-account-funded\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How is the account funded?\"}]}],[\"$\",\"li\",\"funding-payments-releases-how-are-payments-and-releases-authorised\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#funding-payments-releases-how-are-payments-and-releases-authorised\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How are payments and releases authorised?\"}]}]]}]]}],[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"funding-payments-releases-how-is-the-account-funded\",{\"id\":\"funding-payments-releases-how-is-the-account-funded\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How is the account funded?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eA Divorce Escrow account is funded by the proceeds of sale or by an agreed payment from one or both parties.\u003c/p\u003e\u003cp\u003eMost commonly, funds are paid into escrow when a matrimonial asset is sold, such as the family home or a jointly owned investment. In other cases, a lump sum intended for equalisation is paid into escrow once agreed in principle.\u003c/p\u003e\u003cp\u003eThe funding source and timing are agreed in advance and set out clearly in the escrow agreement.\u003c/p\u003e\"}}]]}],[\"$\",\"div\",\"funding-payments-releases-how-are-payments-and-releases-authorised\",{\"id\":\"funding-payments-releases-how-are-payments-and-releases-authorised\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How are payments and releases authorised?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003ePayments from a Divorce Escrow account are made only when the agreed release conditions are met.\u003c/p\u003e\u003cp\u003eThese 
39conditions are usually linked to a signed agreement between the parties or a court order approving the financial settlement.\u003c/p\u003e\u003cp\u003eWhen a release request is made, we check that the agreed conditions have been satisfied before releasing funds in line with the escrow agreement.\u003c/p\u003e\"}}]]}]]}]]}]\n"])</script>
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39<script>self.__next_f.push([1,"\u003cp\u003eAlmost every account we open is built and tailored to the arrangement, so an accurate price depends on what the arrangement actually requires. A quote is free, and we typically return one within 24 hours.\u003c/p\u003e\u003cp\u003eA quote is made up of the same parts each time:\u003c/p\u003e\u003cul\u003e\u003cli\u003eCompliance fees, covering know-your-client checks, source-of-funds verification and our ongoing monitoring obligations\u003c/li\u003e\u003cli\u003eEscrow agreement fees, covering either proposing escrow terms or reviewing a client's draft and proposing amendments\u003c/li\u003e\u003cli\u003eA monthly management fee, a time-related charge covering account manager access and the online portal\u003c/li\u003e\u003cli\u003eAdditional party fees, being administration charges where an account has further payees\u003c/li\u003e\u003cli\u003eAn escrow agent fee, a value-based percentage for managing the arrangement; on the largest transactions this tends towards around 1% of the value of the funds we hold\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eWho carries the cost is a matter for the parties. In most cases the buyer covers the fees, since escrow is often taken out to protect the buyer's position. Where both sides benefit equally, as in construction contracts, M\u0026amp;A transactions and yacht or jet sales, a shared split is common. Agreeing this at the outset avoids an argument about cost later.\u003c/p\u003e\u003cp\u003eOur minimum overall fee is £5,000 plus VAT. The full breakdown, and the current position on each component, is on our \u003ca href=\"/pricing\"\u003epricing page\u003c/a\u003e.\u003c/p\u003e"])</script>
39<script>self.__next_f.push([1,"2b:[\"$\",\"section\",\"commercials-support-next-steps\",{\"id\":\"commercials-support-next-steps\",\"className\":\"mt-16 grid scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] gap-10 border-t border-[var(--color-border)] pt-10 lg:grid-cols-[240px_1fr]\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:sticky lg:top-[calc(var(--site-header-height)+var(--site-header-clearance))] lg:self-start\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-heading-xs tracking-[-0.01em]\",\"children\":\"Commercials, Support \u0026 Next Steps\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-sm text-[var(--color-text-muted)]\",\"children\":\"Pricing and how to get started.\"}],false,[\"$\",\"a\",null,{\"href\":\"#product-top\",\"className\":\"mt-4 inline-block text-sm text-[var(--color-text-subtle)] hover:text-[var(--color-brand-ink)]\",\"children\":\"↑ Back to top\"}]]}],[\"$\",\"div\",null,{\"children\":[[\"$\",\"div\",\"commercials-support-next-steps-how-does-pricing-work-and-what-does-it-cover\",{\"id\":\"commercials-support-next-steps-how-does-pricing-work-and-what-does-it-cover\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"How does pricing work and what does it cover?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"$3b\"}}]]}]]}]]}]\n"])</script>
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39<script>self.__next_f.push([1,"2f:[\"$\",\"section\",null,{\"className\":\"mt-16 border-t border-[var(--color-border)] pt-10\",\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-2xl font-semibold tracking-tight\",\"children\":\"FAQs\"}],false,[\"$\",\"div\",null,{\"className\":\"mt-10 divide-y divide-[var(--color-border)] border-y border-[var(--color-border)]\",\"children\":[[\"$\",\"details\",\"42cec3cb-370f-4ea5-8e20-69ab68719d37\",{\"id\":\"faq-what-is-an-escrow-agreement\",\"className\":\"group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2\",\"children\":[[\"$\",\"summary\",null,{\"className\":\"flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]\",\"children\":[\"What is an escrow agreement?\",[\"$\",\"span\",null,{\"aria-hidden\":true,\"className\":\"shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45\",\"children\":\"+\"}]]}],[\"$\",\"div\",null,{\"className\":\"pb-4\",\"children\":[\"$\",\"div\",null,{\"className\":\"prose-cms text-[var(--color-text-muted)]\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003ch2\u003eA three-way agreement\u003c/h2\u003e\u003cp\u003eAn escrow arrangement is simply a payment arrangement (someone paying someone else), but with a trusted third party inserted in the middle - the escrow agent.\u003c/p\u003e\u003cp\u003eIn this way, money goes from the paying party to the escrow agent.  The escrow agent only releases the money to the receiving party once certain conditions are met.\u003c/p\u003e\u003ch2\u003eThe cornerstone of the payment arrangements\u003c/h2\u003e\u003cp\u003eThe escrow agreement governs the legal arrangements between those three parties.  It sets out how much money the paying party must deposit with the escrow agent, what the escrow agent can and can't do with the money, what the conditions are to release money to the receiving party, and under what circumstances the transaction 'fails', allowing the escrow agent to repay the money to the paying party.\u003c/p\u003e\"}}]}]]}],[\"$\",\"details\",\"4735001d-629e-4d46-b5d6-e64de699ab7c\",{\"id\":\"faq-do-escrow-accounts-earn-interest-in-the-uk\",\"className\":\"group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2\",\"children\":[[\"$\",\"summary\",null,{\"className\":\"flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]\",\"children\":[\"Do Escrow Accounts Earn Interest in the UK?\",[\"$\",\"span\",null,{\"aria-hidden\":true,\"className\":\"shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45\",\"children\":\"+\"}]]}],[\"$\",\"div\",null,{\"className\":\"pb-4\",\"children\":[\"$\",\"div\",null,{\"className\":\"prose-cms text-[var(--color-text-muted)]\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003ch2\u003eInterest on escrow accounts in the United Kingdom\u003c/h2\u003e\u003cp\u003eInterest is not usually paid on escrow accounts operated by independent escrow agents because the compliance overheads and ongoing costs are generally very high and many safeguarding/segregated account facilities come at a high cost.\u003c/p\u003e\u003ch2\u003eInterest used to subsidise escrow fees\u003c/h2\u003e\u003cp\u003eMost escrow agents (including us) will, instead, apply any interest towards the fee for the service in order to keep the fees down - in this way, the third-party bank contributes to the fees, rather than one of the parties.\u003c/p\u003e\"}}]}]]}],[\"$\",\"details\",\"d0a328c6-c669-4268-8fe8-5266009410cb\",{\"id\":\"faq-can-i-withdraw-money-from-an-escrow-account\",\"className\":\"group scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] py-2\",\"children\":[[\"$\",\"summary\",null,{\"className\":\"flex cursor-pointer list-none items-center justify-between gap-4 py-3 font-medium text-[var(--color-text)] marker:content-none hover:text-[var(--color-brand-ink)]\",\"children\":[\"Can I withdraw money from an escrow account?\",\"$L3c\"]}],\"$L3d\"]}],\"$L3e\",\"$L3f\",\"$L40\",\"$L41\",\"$L42\"]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"30:[\"$\",\"section\",null,{\"className\":\"mt-16 rounded-[var(--radius-lg)] border border-[var(--color-border)] bg-[var(--color-surface-muted)] p-8\",\"children\":[\"$\",\"div\",null,{\"className\":\"grid gap-6 sm:grid-cols-2 sm:items-center\",\"children\":[[\"$\",\"div\",null,{\"children\":[[\"$\",\"h2\",null,{\"className\":\"text-2xl font-semibold tracking-tight\",\"children\":\"Request a quote\"}],[\"$\",\"p\",null,{\"className\":\"mt-2 text-[var(--color-text-muted)]\",\"children\":\"We'll be happy to provide a free, no-obligation quote, usually on the same day. In the alternative, why not book a video call to speak with one of our team?\"}]]}],[\"$\",\"div\",null,{\"className\":\"sm:justify-self-end\",\"children\":[[\"$\",\"div\",null,{\"className\":\"flex flex-wrap gap-3\",\"children\":[[\"$\",\"$L20\",null,{\"href\":\"/book-a-video-call\",\"className\":\"inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-1 focus-visible:ring-offset-transparent focus-visible:ring-[var(--color-brand-edge)] disabled:pointer-events-none disabled:opacity-50 border border-[var(--color-border)] bg-[var(--color-surface)] text-[var(--color-text)] hover:bg-[var(--color-surface-muted)] h-11 px-5 text-[15px]\",\"children\":\"Book a video call\"}],[\"$\",\"$L20\",null,{\"href\":\"/request-a-quote?from=%2Fescrow-accounts%2Fdivorce-escrow\u0026product=escrow-accounts\",\"className\":\"inline-flex items-center justify-center gap-1.5 rounded-md font-medium transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-1 focus-visible:ring-offset-transparent focus-visible:ring-[var(--color-brand-edge)] disabled:pointer-events-none disabled:opacity-50 bg-[var(--color-brand)] text-[var(--color-on-brand)] hover:bg-[var(--color-brand-hover)] h-11 px-5 text-[15px]\",\"children\":\"Request a quote\"}]]}],[\"$\",\"p\",null,{\"className\":\"mt-4 text-sm text-[var(--color-text-muted)]\",\"children\":[\"$\",\"a\",null,{\"href\":\"tel:+442045726303\",\"className\":\"font-medium text-[var(--color-brand-ink)]\",\"children\":\"+44 (0)20 4572 6303\"}]}],[\"$\",\"p\",null,{\"className\":\"mt-1 text-sm text-[var(--color-text-subtle)]\",\"children\":\"c/o DOS \u0026 Co., SB.149 China Works, 100 Black Prince Road, London SE1 7SJ\"}]]}]]}]}]\n"])</script>
39<script>self.__next_f.push([1,"31:[\"$\",\"div\",\"account-set-up\",{\"children\":[[\"$\",\"p\",null,{\"className\":\"font-semibold text-[var(--color-brand-ink)]\",\"children\":\"Account Set-Up\"}],[\"$\",\"ul\",null,{\"className\":\"mt-3 space-y-2 text-sm\",\"children\":[[\"$\",\"li\",\"account-set-up-how-do-i-open-an-account\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-how-do-i-open-an-account\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How do I open an account?\"}]}],[\"$\",\"li\",\"account-set-up-how-long-does-it-take\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-how-long-does-it-take\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How long does it take?\"}]}],[\"$\",\"li\",\"account-set-up-what-information-is-required\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-what-information-is-required\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"What information is required?\"}]}],[\"$\",\"li\",\"account-set-up-account-opening-checklist\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#account-set-up-account-opening-checklist\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"Account opening checklist\"}]}]]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"32:[\"$\",\"div\",\"funding-payments-releases\",{\"children\":[[\"$\",\"p\",null,{\"className\":\"font-semibold text-[var(--color-brand-ink)]\",\"children\":\"Funding, Payments \u0026 Releases\"}],[\"$\",\"ul\",null,{\"className\":\"mt-3 space-y-2 text-sm\",\"children\":[[\"$\",\"li\",\"funding-payments-releases-how-is-the-account-funded\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#funding-payments-releases-how-is-the-account-funded\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How is the account funded?\"}]}],[\"$\",\"li\",\"funding-payments-releases-how-are-payments-and-releases-authorised\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#funding-payments-releases-how-are-payments-and-releases-authorised\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How are payments and releases authorised?\"}]}]]}]]}]\n"])</script>
39<script>self.__next_f.push([1,"33:[\"$\",\"div\",\"commercials-support-next-steps\",{\"children\":[[\"$\",\"p\",null,{\"className\":\"font-semibold text-[var(--color-brand-ink)]\",\"children\":\"Commercials, Support \u0026 Next Steps\"}],[\"$\",\"ul\",null,{\"className\":\"mt-3 space-y-2 text-sm\",\"children\":[[\"$\",\"li\",\"commercials-support-next-steps-how-does-pricing-work-and-what-does-it-cover\",{\"children\":[\"$\",\"a\",null,{\"href\":\"#commercials-support-next-steps-how-does-pricing-work-and-what-does-it-cover\",\"data-jump-link\":\"\",\"data-jump-style\":\"text\",\"className\":\"text-[var(--color-text-muted)] hover:text-[var(--color-brand-ink)]\",\"children\":\"How does pricing work and what does it cover?\"}]}]]}]]}]\n34:[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"When is it typically used?\"}]\n35:[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce Escrow is typically used once a matrimonial asset has been sold but before the final financial settlement is concluded.\u003c/p\u003e\u003cp\u003eCommon examples include the sale of the family home, disposal of jointly owned investments, or realisation of business interests. It may also be used where equalisation payments are agreed in principle but depend on later events or approvals.\u003c/p\u003e\u003cp\u003eEscrow allows funds to be secured and protected while the parties complete negotiations, obtain court approval or finalise documentation.\u003c/p\u003e\"}}]\n36:[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eDivorce proceedings and any court orders determine who is entitled to what share of the assets. Divorce Escrow does not change that.\u003c/p\u003e\u003cp\u003eThe escrow agreement sits alongside the legal process. It deals only with how funds are held and when they may be released once agreement is reached or an order is made.\u003c/p\u003e\u003cp\u003eThe escrow agent does not interpret court orders or decide entitlement. It releases funds only when the agreed documentation or orders are provided, in line with the escrow agreement.\u003c/p\u003e\"}}]\n"])</script>
39<script>self.__next_f.push([1,"37:[\"$\",\"div\",\"how-it-works-who-can-give-instructions\",{\"id\":\"how-it-works-who-can-give-instructions\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"Who can give instructions?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eOnly parties authorised under the escrow agreement can give instructions to the escrow agent. This is agreed and documented at the outset.\u003c/p\u003e\u003cp\u003eInstructions are typically linked to clear events, such as written agreement between the parties, approval by their advisors, or the issue of a court order.\u003c/p\u003e\u003cp\u003eThe escrow agent checks that the instruction matches the agreed conditions before acting. Informal or unilateral requests are not accepted.\u003c/p\u003e\"}}]]}]\n"])</script>
39<script>self.__next_f.push([1,"43:T437,"])</script>
39<script>self.__next_f.push([1,"\u003cp\u003eBelow is a practical view of the steps that parties typically follow when using Divorce Escrow.\u003c/p\u003e\u003col\u003e\u003cli\u003e‍\u003cstrong\u003ePay funds into escrow\u003c/strong\u003e\u003cbr /\u003eSale proceeds or agreed sums are paid into the escrow account once an asset is sold or an amount is identified.\u003cstrong\u003e‍\u003c/strong\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eFunds held while matters are resolved\u003c/strong\u003e\u003cbr /\u003eThe funds remain held while negotiations continue, court approval is sought or documentation is finalised.\u003cstrong\u003e‍\u003c/strong\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eProvide agreement or court order\u003c/strong\u003e\u003cbr /\u003eOnce the parties reach agreement, or a court order is made, the required confirmation or documentation is provided to the escrow agent.\u003cstrong\u003e‍\u003c/strong\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eRelease funds in line with the agreed outcome\u003c/strong\u003e\u003cbr /\u003eFunds are released from escrow to the parties in accordance with the agreement or court order.\u003cstrong\u003e‍\u003c/strong\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eHandle uncertainty or disputes if they arise\u003c/strong\u003e\u003cbr /\u003eIf there is uncertainty or disagreement, the funds remain held while the agreed process is followed.\u003c/li\u003e\u003c/ol\u003e"])</script>
39<script>self.__next_f.push([1,"38:[\"$\",\"div\",\"how-it-works-what-does-the-whole-process-look-like\",{\"id\":\"how-it-works-what-does-the-whole-process-look-like\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"What does the whole process look like?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"$43\"}}]]}]\n"])</script>
39<script>self.__next_f.push([1,"39:[\"$\",\"div\",\"account-set-up-what-information-is-required\",{\"id\":\"account-set-up-what-information-is-required\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"What information is required?\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eTo open a Divorce Escrow account, standard onboarding checks are required. These are similar to the checks required when opening a bank account or instructing a law firm.\u003c/p\u003e\u003cp\u003eThis usually includes confirming the identity of the parties, the ownership of the assets being sold, and the source of funds paid into escrow.\u003c/p\u003e\u003cp\u003eWe may also need basic information about the divorce proceedings or settlement framework so the escrow account can be set up correctly.\u003c/p\u003e\"}}]]}]\n"])</script>
39<script>self.__next_f.push([1,"3a:[\"$\",\"div\",\"account-set-up-account-opening-checklist\",{\"id\":\"account-set-up-account-opening-checklist\",\"className\":\"scroll-mt-[calc(var(--site-header-height-max)+var(--site-header-clearance))] pb-8 last:pb-0\",\"children\":[[\"$\",\"h3\",null,{\"className\":\"border-b border-[var(--color-border)] pb-2 text-lg font-semibold\",\"children\":\"Account opening checklist\"}],[\"$\",\"div\",null,{\"className\":\"prose-cms mt-3\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cp\u003eThe following information is typically required to open a Divorce Escrow account:\u003c/p\u003e\u003cul\u003e\u003cli\u003eDetails of the parties to the divorce or separation\u003c/li\u003e\u003cli\u003eIdentification information for each party\u003c/li\u003e\u003cli\u003eInformation about the assets being sold or funds being escrowed\u003c/li\u003e\u003cli\u003eSource of funds information for the escrowed amounts\u003c/li\u003e\u003cli\u003eSummary of the agreed or proposed release conditions\u003c/li\u003e\u003cli\u003eDetails of any relevant court proceedings or expected orders\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eProviding this information clearly and early helps ensure the account can be opened without unnecessary delay.\u003c/p\u003e\"}}]]}]\n"])</script>
39<script>self.__next_f.push([1,"3c:[\"$\",\"span\",null,{\"aria-hidden\":true,\"className\":\"shrink-0 text-[var(--color-text-subtle)] transition-transform group-open:rotate-45\",\"children\":\"+\"}]\n44:T535,"])</script>
39<script>self.__next_f.push([1,"\u003ch2\u003eCan I withdraw money from an escrow account?\u003c/h2\u003e\u003cp\u003eTypically, no. An escrow arrangement is a three-party agreement between the depositor (principal), the \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent\u003c/a\u003e, and the recipient. Only the \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent \u003c/a\u003ehas legal control over the funds and may release them only in accordance with the terms of the escrow agreement.\u003c/p\u003e\u003ch2\u003eWhy the escrow agent can’t release funds casually\u003c/h2\u003e\u003cp\u003eThe \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent\u003c/a\u003e cannot pay out funds unless the agreement explicitly allows it. Doing so could expose the agent to legal claims from the recipient (or other parties), who could sue for breach of contract or improper release.\u003c/p\u003e\u003ch2\u003eHandling ambiguous situations\u003c/h2\u003e\u003cp\u003eIf there’s any uncertainty - such as unclear wording or disputed instructions - the \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent\u003c/a\u003e typically reserves the right to seek legal advice before releasing funds. This ensures compliance and protects all parties involved.\u003c/p\u003e\u003ch2\u003eWhy this structure matters\u003c/h2\u003e\u003cul\u003e\u003cli\u003ePrevents unilateral or unauthorised access to funds.\u003c/li\u003e\u003cli\u003eMaintains the neutrality and integrity of the escrow process.\u003c/li\u003e\u003cli\u003eShields the \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent\u003c/a\u003e from legal liability in case of disputes.\u003c/li\u003e\u003c/ul\u003e"])</script>
39<script>self.__next_f.push([1,"3d:[\"$\",\"div\",null,{\"className\":\"pb-4\",\"children\":[\"$\",\"div\",null,{\"className\":\"prose-cms text-[var(--color-text-muted)]\",\"dangerouslySetInnerHTML\":{\"__html\":\"$44\"}}]}]\n45:T919,"])</script>
39<script>self.__next_f.push([1,"\u003ch2\u003eThe official line\u003c/h2\u003e\u003cp\u003eThere isn't really one. If you ask a lawyer, they'll tell you to seek confirmation from the Financial Conduct Authority (the 'FCA'). If you ask the FCA, they'll tell you they don't give legal advice and that you should consult a lawyer.\u003c/p\u003e\u003ch2\u003eThe unofficial line\u003c/h2\u003e\u003cp\u003eThe differences between escrow services and payment services are many; they include legal differences, structural differences and regulatory differences. In the absence of any particularly clear guidance, different providers interpret the regulations differently.\u003c/p\u003e\u003ch2\u003eThe legal difference\u003c/h2\u003e\u003cp\u003eThe legal difference between escrow and payment services is difficult to define. Both involve two parties (a payer and a payee) and an intermediary (either a payment service provider or an escrow agent) who effects the transfer according to the parties' wishes. It might be considered that payment services are 'simpler' or happen 'faster', but these are not legal distinctions and are unhelpful when trying to ascertain the difference.\u003c/p\u003e\u003ch2\u003eThe structural difference\u003c/h2\u003e\u003cp\u003eEscrow transactions are usually (but not always) negotiated separately on specific (as opposed to general or standard) terms and conditions, and those terms are usually only valid for one transaction at a time.  Payment services, however, tend to be more 'routine' and take place on standard terms and conditions. This is, of course, a generalisation and, again, not decisive as a way of ascertaining the difference.\u003c/p\u003e\u003ch2\u003eThe regulatory difference\u003c/h2\u003e\u003cp\u003ePerhaps unhelpfully, the regulatory difference is significant in the United Kingdom. Escrow services are not regulated, where as payment services are. In order to carry out a payment service, a person (natural or legal) must be registered with the Financial Conduct Authority, whereas an escrow agent does not need to be registered with the FCA.\u003c/p\u003e\u003ch2\u003eWhich one is dospay?\u003c/h2\u003e\u003cp\u003edospay carries out both types of services.  It is regulated by the Financial Conduct Authority for the provision of payment services and it also carries out (unregulated) escrow services.\u003c/p\u003e\u003ch2\u003eHow does dospay distinguish between escrow and payment services?\u003c/h2\u003e\u003cp\u003eWe'd be delighted to tell you how we've ascertained the difference - feel free to \u003ca href=\"/contact\"\u003econtact us\u003c/a\u003e for more information.\u003c/p\u003e"])</script>
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39<script>self.__next_f.push([1,"\u003ch2\u003e\u003cstrong\u003eWho owns the money in an escrow account?\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003eWhen funds go into an escrow account, the depositor (or principal) retains ownership. The \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent\u003c/a\u003e holds the funds neutrally, managing them in trust until release conditions are met. The agent does not own the funds.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003eWhy this matters\u003c/strong\u003e\u003c/h2\u003e\u003cul\u003e\u003cli\u003eProtects the depositor from misuse or insolvency risk of the agent.\u003c/li\u003e\u003cli\u003eEnsures funds are released only as per the escrow agreement.\u003c/li\u003e\u003c/ul\u003e\u003ch2\u003e\u003cstrong\u003eCommon scenarios\u003c/strong\u003e\u003c/h2\u003e\u003cul\u003e\u003cli\u003e\u003ca href=\"/sectors/real-estate\"\u003eReal estate\u003c/a\u003e: A buyer deposits funds via conveyancer - the buyer still owns them.\u003c/li\u003e\u003cli\u003e\u003ca href=\"/sectors/corporate\"\u003eM\u0026amp;A\u003c/a\u003e or \u003ca href=\"/sectors/construction\"\u003econstruction\u003c/a\u003e: Conditional deposits are made to fund releases upon milestone completion.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003eRegulatory and safety features\u003c/h3\u003e\u003cul\u003e\u003cli\u003eAgents must be FCA-authorised, and funds are held in safeguarded accounts - we hold all of our funds via our banking tech partners liquid and unencumbered at the Bank of England.\u003c/li\u003e\u003cli\u003eIf the \u003ca href=\"/glossary/escrow-agent\"\u003eescrow agent\u003c/a\u003e becomes insolvent, deposited funds remain protected and segregated.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003eFurther reading\u003c/h3\u003e\u003cp\u003eLearn more about how a trusted \u003ca href=\"/glossary/escrow-agent\"\u003eEscrow Agent\u003c/a\u003e, \u003ca href=\"/faq/what-is-an-escrow-agreement\"\u003eEscrow Agreement\u003c/a\u003e, or \u003ca href=\"/third-party-managed-accounts/project-bank-accounts\"\u003eProject Bank Account\u003c/a\u003e ensures fund protection.\u003c/p\u003e"])</script>
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39<script>self.__next_f.push([1,"\u003ch2\u003e\u003cstrong\u003eHow much does an escrow account cost?\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003eThe cost of an escrow account depends on the complexity, duration, value, and structure of your arrangement. Almost all of our escrow and third-party managed accounts are bespoke, so we provide a tailored quote once we understand your requirements.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003eHow our escrow pricing is built\u003c/strong\u003e\u003c/h2\u003e\u003ch3\u003eCompliance Fee\u003c/h3\u003e\u003cp\u003eCovers all anti-money laundering and regulatory checks we are required to perform, including:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ca href=\"/glossary/kyc\"\u003eKnow-Your-Client (KYC)\u003c/a\u003e verification;\u003c/li\u003e\u003cli\u003eEstablishing \u003ca href=\"/glossary/source-of-funds\"\u003esource of funds\u003c/a\u003e and \u003ca href=\"/glossary/source-of-wealth\"\u003esource of wealth\u003c/a\u003e; and\u003c/li\u003e\u003cli\u003eOngoing \u003ca href=\"/glossary/sanctions-screening\"\u003etransaction monitoring\u003c/a\u003e.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003eEscrow Agreement Fee\u003c/h3\u003e\u003cp\u003eIncludes drafting our standard escrow agreement to govern how funds are held and released.\u003c/p\u003e\u003cp\u003eIf you provide your own agreement, the fee covers a detailed review and any necessary amendments to ensure compliance and sustainability.\u003c/p\u003e\u003ch3\u003eMonthly Management Fee\u003c/h3\u003e\u003cp\u003eProvides access to your escrow agent or account manager for the life of the arrangement. Includes use of our secure account portal, available 24/7 for transaction tracking and document storage.\u003c/p\u003e\u003ch3\u003eAdditional Party Fee\u003c/h3\u003e\u003cp\u003eApplies if extra parties (e.g. subcontractors in a Project Bank Account) need to join the arrangement.\u003c/p\u003e\u003cp\u003eCovers administration, documentation, and portal access setup.\u003c/p\u003e\u003ch3\u003eEscrow Agent Fee\u003c/h3\u003e\u003cp\u003eA value-based fee for operating the arrangement, generally a percentage of the funds handled. For the largest transactions, this is typically around 1% of the funds held.\u003c/p\u003e\u003ch3\u003e\u003cstrong\u003eExample\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003eA high-value construction escrow might incur:\u003c/p\u003e\u003cul\u003e\u003cli\u003eCompliance fee for all contracting parties;\u003c/li\u003e\u003cli\u003eAgreement drafting fee;\u003c/li\u003e\u003cli\u003eMonthly management fee over a 12-month term; and\u003c/li\u003e\u003cli\u003eEscrow agent fee based on the deposit value.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003eWhy we quote individually\u003c/h3\u003e\u003cp\u003eEvery transaction is different in scope, duration, and complexity. Bespoke pricing ensures that costs are proportionate and reflect the regulatory and operational safeguards needed to protect all parties.\u003c/p\u003e\u003ch3\u003eNext Steps\u003c/h3\u003e\u003cp\u003eSee our full \u003ca href=\"/pricing\"\u003e\u003cstrong\u003ePricing\u003c/strong\u003e\u003c/a\u003e page for details of how these elements work in practice, or explore our \u003ca href=\"/escrow-accounts\"\u003eEscrow Accounts\u003c/a\u003e, \u003ca href=\"/third-party-managed-accounts/project-bank-accounts\"\u003eProject Bank Accounts\u003c/a\u003e, and \u003ca href=\"/third-party-managed-accounts\"\u003eTPMA's\u003c/a\u003e for sector-specific examples.\u003c/p\u003e\u003cp\u003eYou can also \u003ca href=\"/request-a-quote\"\u003erequest a quote \u003c/a\u003eor \u003ca href=\"/book-a-video-call\"\u003ebook a video call\u003c/a\u003e to speak to an escrow agent to discuss your requirements.\u003c/p\u003e"])</script>
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39<script>self.__next_f.push([1,"\u003ch2\u003eWho pays escrow fees in a typical escrow transaction?\u003c/h2\u003e\u003cp\u003eIn most cases, the buyer covers the escrow fees. Escrow is often seen as a measure to protect the buyer’s interests, especially where funds are being held pending delivery, completion, or satisfaction of contractual conditions.\u003c/p\u003e\u003cp\u003eHowever, when both parties benefit equally from the arrangement - such as in \u003ca href=\"/escrow-accounts/construction-escrow\"\u003econstruction\u003c/a\u003e contracts, \u003ca href=\"/escrow-accounts/mergers-acquisitions-escrow\"\u003eM\u0026amp;A transactions\u003c/a\u003e, or luxury \u003ca href=\"/escrow-accounts/marine-escrow\"\u003eyacht\u003c/a\u003e or \u003ca href=\"/escrow-accounts/aircraft-purchase-escrow\"\u003ejet\u003c/a\u003e sales - it is common to agree on a shared cost split. This approach is similar to how legal or notarial fees may be divided in some transactions.\u003c/p\u003e\u003ch2\u003eWhy it matters\u003c/h2\u003e\u003cul\u003e\u003cli\u003eClarifies expectations upfront and simplifies negotiations.\u003c/li\u003e\u003cli\u003ePrevents cost disputes during or after the escrow process.\u003c/li\u003e\u003cli\u003ePromotes fairness in transactions where multiple parties benefit from escrow protections.\u003c/li\u003e\u003c/ul\u003e"])</script>
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39<script>self.__next_f.push([1,"\u003ch2\u003eAre escrow agents regulated in the UK?\u003c/h2\u003e\u003cp\u003eBeing an escrow agent in the UK is not itself a regulated activity. However, most providers are regulated because they perform related activities - such as legal, trustee, banking, or payment services - and thus fall under regulatory oversight through those roles.\u003c/p\u003e\u003ch2\u003eWhy that matters\u003c/h2\u003e\u003cul\u003e\u003cli\u003eRegulation ensures client funds are properly safeguarded and handled in compliance with legal standards.\u003c/li\u003e\u003cli\u003eMany \u003ca href=\"/glossary/escrow\"\u003eescrow\u003c/a\u003e providers are FCA-authorised payment service providers or are regulated as solicitors handling client money under the SRA Accounts Rules.\u003c/li\u003e\u003cli\u003eAt dospay, all GBP escrow and TPMA funds are segregated and held at the Bank of England, adding an extra layer of security.\u003c/li\u003e\u003c/ul\u003e\u003ch2\u003eExamples of regulated providers\u003c/h2\u003e\u003cul\u003e\u003cli\u003eLaw firms handling escrow as part of legal services.\u003c/li\u003e\u003cli\u003eTrustees managing funds for structured deals.\u003c/li\u003e\u003cli\u003eFCA-authorised fintech or banks offering \u003ca href=\"/glossary/escrow\"\u003eescrow\u003c/a\u003e or \u003ca href=\"/glossary/tpma\"\u003eTPMA\u003c/a\u003e services.\u003c/li\u003e\u003c/ul\u003e\u003ch2\u003eHow dospay ensures trust and compliance\u003c/h2\u003e\u003cul\u003e\u003cli\u003eLicensed by the Financial Conduct Authority under the Payment Services Regulations 2017.\u003c/li\u003e\u003cli\u003eFunds are held in safeguarded, segregated accounts at the Bank of England.\u003c/li\u003e\u003cli\u003eOffers transparent, regulated, and secure escrow services across sectors such as \u003ca href=\"/sectors/construction\"\u003econstruction\u003c/a\u003e, \u003ca href=\"/escrow-accounts/mergers-acquisitions-escrow\"\u003eM\u0026amp;A\u003c/a\u003e, \u003ca href=\"/sectors/marine\"\u003emarine\u003c/a\u003e, and \u003ca href=\"/escrow-accounts\"\u003emore\u003c/a\u003e.\u003c/li\u003e\u003c/ul\u003e"])</script>
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