Cash Management and Lending Solutions

At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.

Our Full Suite of Cash Management Offerings

CashPlus Brokerage Account
The Morgan Stanley CashPlus Brokerage Account provides unlimited ATM fee rebates worldwide, no cash management fees¹, exclusive Identity and Credit Protection from Experian® at no additional cost, plus more.
Preferred Savings Program
Make the Most of Your Cash
Let your money work for you by taking advantage of our competitive savings rate with the Preferred Savings Program.
American Express
Enjoy Rewards with Morgan Stanley Credit Cards
Experience premium perks and luxury benefits on your Platinum Card from American Express and earn cash back on eligible purchases on your Blue Cash Preferred Card. Terms apply. Learn how.
CERTIFICATE OF DEPOSIT
Earn Competitive Rates with Our Certificates of Deposit
Get more with your money through our suite of 3-to-11-month New Money CDs.
Debit Card
Access Cash Anytime, Anywhere with a Morgan Stanley Debit Card
Enjoy ATM fee rebates at more than 2 million ATMs worldwide.

Lending Solutions for Flexible Financing

As a client, you may be eligible for securities based lending solutions to help provide you with access to funds for real estate, business opportunities, estate planning and more. Additionally, whether you are buying or refinancing a home, purchasing a vacation or investment property, or helping a family member realize their home ownership goal, we can help you find the financing solution to meet your needs. Contact a member of your Morgan Stanley team to learn more.

Disclosures: Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures at the end of this website below. 

Lending Solutions for Flexible Financing

As a client, you may be eligible for securities based lending solutions to help provide you with access to funds for real estate, business opportunities, estate planning and more. Additionally, whether you are buying or refinancing a home, purchasing a vacation or investment property, or helping a family member realize their home ownership goal, we can help you find the financing solution to meet your needs. Contact a member of your Morgan Stanley team to learn more.

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Securities Based Lending
If you are looking to expand your business, fund real estate needs, pay taxes or cover other expenses,³ Liquidity Access Line (LAL) is a securities based line of credit that offers a convenient way to access cash without selling securities.
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Home Loans
Take advantage of our suite of home lending solutions—including the potential for preferred pricing and rate discounts based on your existing Morgan Stanley relationship. Whether you’re looking to purchase, refinance, or tap into your home’s equity, we have solutions to help you and your loved ones meet your goals.

Disclosures: Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures at the end of this website below. 

Contact Your Financial Advisor now to explore options

Let us help you identify strategies to reach your unique goals.

Check the background of our firm and investment professionals on FINRA's BrokerCheck.

Frequently Asked Questions

  1. Q
    I am not an existing client of Morgan Stanley. Am I eligible for cash management and lending solutions?

    You must be an existing Morgan Stanley client to be eligible for cash management and lending solutions. If you would like to be a Morgan Stanley client, you can schedule a consultation with a Financial Advisor or call 1-888-454-3965. 

  2. Q
    I already have an Active Assets account. Can I use the account for my cash management needs?

    Yes, you can use Active Assets Account for your cash management needs. You can get additional benefits with a CashPlus Brokerage Account. 

  3. Q
    Are my deposits FDIC-insured with the Preferred Savings Program and Certificate of Deposits Program?

    Yes, eligible deposits held at Morgan Stanley Bank, N.A. (MSBNA) or Morgan Stanley Private Bank, National Association (MSPBNA) are FDIC-insured up to applicable limits.

  4. Q
    How will I benefit from Securities Based Lending Solutions?

    Securities based lending offer convenient ways to access funds and since it uses the eligible investments in your Morgan Stanley account as collateral, you may be able to access liquidity while keeping your longer-term investment strategy intact.2

  5. Q
    Does Morgan Stanley have relationship-based pricing on mortgage products?

    Yes, you and your family members may potentially receive discounted mortgage rates or closing cost credits based on your Morgan Stanley relationships. Additionally, clients may be eligible for a rate discount if they apply for a new home loan through Morgan Stanley and bring in new qualifying assets.3