Lettings agents handle client money daily - rent collection, deposits, landlord disbursements, maintenance float. The compliance requirements are significant: client account separation, reconciliation, audit trails. And the legacy bank account and manual transfer process means agencies are often waiting days for funds to clear before they can disburse to landlords or raise their own invoices. There is a better structure - one designed for property professionals rather than retrofitted from a standard business bank account.
Lettings agents handle client money daily - rent collection, deposits, landlord disbursements, maintenance float. The compliance requirements are significant: client account separation, reconciliation, audit trails. And the legacy bank account and manual transfer process means agencies are often waiting days for funds to clear before they can disburse to landlords or raise their own invoices. There is a better structure - one designed for property professionals rather than retrofitted from a standard business bank account.
Client money compliance is a significant operational overhead for lettings teams
Standard bank accounts are not designed for property client account structures
Slow payment clearing delays landlord disbursements and agency cash flow
Manual reconciliation is time-consuming and error-prone
No payment app means tenants and landlords use slower, less reliable methods
Lettings agents handle client money daily - rent collection, deposits, landlord disbursements, maintenance float. The compliance requirements are significant: client account separation, reconciliation, audit trails. And the legacy bank account and manual transfer process means agencies are often waiting days for funds to clear before they can disburse to landlords or raise their own invoices. There is a better structure - one designed for property professionals rather than retrofitted from a standard business bank account.
Calmony provides a digital client bank account built specifically for the regulatory and operational requirements of letting, estate, and management agents.
A dedicated payment app for tenants, landlords, and clients. Faster payment receipt, clearer reconciliation, and no chasing of manual bank transfers.
Calmony's standing order management tool gives agents control over recurring payment schedules without relying on tenants to maintain their own bank standing orders correctly.
Funds are received and disbursed faster than with legacy bank account structures. Landlords get paid quicker. Agency invoicing is not held up by slow payment clearing.
Calmony is designed to reduce the manual reconciliation burden. Payment matching, audit trails, and transaction records are structured for property client account compliance.
Beyond standard letting and estate agency use, Calmony is built for block management, build-to-rent, and right-to-manage agents who have more complex client money structures.
Getting started with Calmony through Kerfuffle.
Calmony sets up the digital client account structure for your agency. The configuration reflects your specific account separation requirements and regulatory obligations.
Tenants and landlords are onboarded to the Calmony Payment App. Standing order instructions for existing tenancies are migrated where applicable.
Rent and other payments are collected through the Calmony system. Funds are received, allocated, and reconciled against the correct client accounts automatically.
Landlord disbursements and agency invoicing are processed more quickly than under legacy bank structures. Cash flow across the lettings portfolio improves.
The audit trail for client money is maintained automatically. Reconciliation reports are available for compliance purposes and for internal review.
Calmony is a verified Kerfuffle partner with 4 perfect-score agent reviews. Members coming via Compare The PropTech get the Kerfuffle account manager introduced before any commercial conversation.
Standard route
Off-the-shelf pricing
Your terms, reviewed before you sign
Calmony pricing is based on your portfolio size and the product set required. The initial discovery call with your Kerfuffle account manager will establish the right structure for your agency before any commercial discussion.
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A walkthrough of the digital client account, the Payment App, and the Standing Order App - tailored to your current lettings portfolio and payment workflow.
The session covers how the digital client account structure works for your regulatory requirements, how the Payment App and Standing Order App improve payment reliability, how reconciliation is simplified, and what a typical lettings agency sees in terms of cash flow improvement and time saved on manual reconciliation after switching to Calmony.
Calmony was built to modernise the client account infrastructure for property professionals who handle client money as a core part of their business. Letting agents, estate agents, block management firms, build-to-rent operators, and right-to-manage agents all operate under client money regulations that standard business bank accounts are not designed to support efficiently. Calmony provides a digital client account, a Payment App for tenants and landlords, and a Standing Order App that removes the risk of incorrect tenant-side payment setups. The result is faster payment receipt, cleaner reconciliation, and improved cash flow for agencies who have historically been at the mercy of slow legacy banking infrastructure.
Calmony is part of the PropTech That Pays Back initiative - a Kerfuffle programme that rewards UK estate agents with kredits for actively using the tools they invest in, not just signing the contract. See Calmony's pay-back terms and what other agents are saying.
Digital client account, Payment App, Standing Order App - designed for letting and management agents from the ground up. Talk to Kerfuffle and get the introduction.
Want to talk through how Calmony would work for your team?
Grab fifteen minutes with the Kerfuffle team. We will walk you through the member offer, answer your questions, and figure out the right fit for your agency.
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