GLOSSARY

Cash management

What is cash management?

Cash management refers to the strategic process of all activities designed to manage a company’s liquidity, ensuring that cash is readily available to meet obligations and invest effectively.

Why it matters?

Efficient cash management helps avoid liquidity shortages, reduces the risk of idle balances, and supports smoother day-to-day operations and financial planning.

Key components often include:

Monitoring and forecasting cash inflows and outflows
Optimising bank accounts and payment timings
Managing short-term investments and funding requirements
Streamlining collections and payments to maximise cash availability

Good to know for SMEs and beyond

SMEs often lack the treasury resources of larger corporations. Modern digital solutions make cash management more accessible by combining multi-currency accounts, automated expense tracking, and real-time visibility into one platform. This helps SMEs save time, reduce costs, and gain the same level of financial control once reserved for big enterprises.

Your cash management on autopilot

With amnis, managing cash across multiple currencies becomes effortless. Automated workflows let you streamline payments, reduce manual tasks, and optimise currency exchanges – just like setting rules in your email inbox. From recurring transactions to spend controls, amnis puts your cash management on autopilot, giving you efficiency, transparency, and full control in one place.

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Explore related topics

Account balance

An account balance indicates the present value of a financial account, whether it is a checking, savings, investment, or loan account. It shows the amount of money available or the outstanding amount owed, depending on the account type. The balance is determined by subtracting withdrawals and debits from deposits and credits.

Business account

A business account is a specialized bank account designed to manage corporate funds and business-related income, used exclusively for handling transactions that support the company’s financial operations. This type of account helps maintain clear financial separation from personal funds, improving transparency in tracking business income and expenses. In some cases, it is legally required for a business to hold a separate corporate account.

Debit interest rate

A debit interest rate, also known as a debit card interest rate, is the interest charged when a bank account linked to a debit card goes into overdraft. This rate applies only when spending exceeds the available balance, effectively resulting in a short-term loan from the bank.

Interest rate

An interest rate is the cost of borrowing or the reward for saving, expressed as a percentage of the principal amount in an account or loan, reflecting the time value of money and compensation for risk. It influences economic activity by guiding consumers, investors, and businesses in decisions related to spending, saving, and investing.

Interest rate risk

Interest rate risk refers to potential financial losses that may arise from fluctuations in market interest rates. Rising or falling rates affect borrowing costs, the value of fixed-income investments, and liquidity planning. For internationally active companies, this can also impact financing and the return on liquid assets. Effective treasury strategies, such as hedging, help reduce this risk.

Minimum balance

A minimum balance is the lowest amount of money that must be maintained in a bank account to keep it active or to avoid fees. Banks may require a minimum balance for business or personal accounts as a condition for waiving maintenance fees, earning interest, or accessing certain account features. Falling below the required threshold can result in penalties or loss of benefits.

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About amnis

amnis offers a comprehensive platform for international banking, offering a range of tools in one place. Transfer money abroad, exchange currencies 24/7 and collect international money transfer with your own IBAN accounts supporting 20+ currencies. Founded in 2014 in Zurich, amnis is a regulated payment institution under the supervision of the Banking Supervision Section in Liechtenstein (FMA) within the EEA.

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