CASS 15 Daily Safeguarding Reconciliation Calculator

Runs the CASS 15.8 internal (per-customer, floored at zero) and external (safeguarding-resource) reconciliation arithmetic for a UK payments/e-money firm on one reconciliation day, with a documented-non-standard-method toggle and an in-memory multi-day trend strip.

⚠ This tool encodes CASS 15.8 rule numbers and mechanics as documented in the FCA Handbook (pinned clause snapshot below, in force 7 May 2026 per PS25/12). A verdict here is an arithmetic finding about the figures you enter, never a determination that the firm has or has not complied with CASS 15 - that is for the firm's own records and its safeguarding auditor.

CASS 15 Safeguarding Zero PII Client-Side

Scope & reliance: 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data - use synthetic or anonymised customer references only. Rules cited from research/clause-snapshots/FCA-CASS15-8-reconciliation-2026-08-21.excerpt.md (refs C1–C7). Multi-currency portfolios are reconciled independently per currency, with no FX conversion performed. Deterministic logic · no inference · zero PII · CC BY 4.0.

Reconciliation Day & Method

As-of date (reconciliation day)

Tolerance (minor units, e.g. pence)

Method (clause C6)

Internal - Customer Ledger Rows (synthetic refs only)

Customer Ref (hash)	Relevant Funds Amount	Currency

Individual balance build-up per clause C1: any negative balance is floored at zero and never netted against another customer's positive balance.

Unallocated / Suspense Items (clause C2)

Reference	Amount	Currency

Unallocated funds count toward the safeguarding requirement until allocated to a named customer - clause C2.

External - Safeguarding Account Statement Balances

Bank / Custodian Account Ref	Component Type	Amount	Currency

Component set is the closed four-part list from clause C4.