The convenient Cash ISA

You can refer a client in minutes by signing up to the platform. Once we have your client’s details, we’ll send them a link to their application.

We’ll ask for your basic personal details, your company information (if you’re signing up on behalf of your firm), and your bank account details so we can pay your commission.  

For your client’s application, they’ll need to provide their address history, National Insurance number, and details of their nominated bank account. In some cases, we may request additional documentation to meet FCA requirements, such as evidence of their source of funds.

No. Flagstone does not pay commission for referrals to the Flagstone Cash ISA. You may receive commission on your clients’ general savings if you choose to, in line with the terms and conditions when you sign up as a referrer.

Yes – your client will need to give us the details of their existing ISA by completing a short online form they can access via the platform.

When your client joins Flagstone, they will also gain access to high-interest savings accounts from 65+ banks, along with a savings holding account.

For Cash ISAs, we provide a separate ISA holding account. This ensures that when your clients move money between banks or tax-free accounts, those funds never leave the ISA wrapper. They can move money without affecting their £20,000 annual ISA allowance.

All UK-based banks offering tax-free accounts through Flagstone are covered by the Financial Services Compensation Scheme (FSCS).

Your client’s eligible deposits are protected up to £120,000 per client, per banking group. This limit applies to the total of all deposits they hold with the same banking group, including any:

• tax-free accounts they hold within the Flagstone Cash ISA
• savings accounts they hold in their individual or joint Flagstone account
• other accounts they hold outside of the Flagstone platform
  
  

By spreading cash across accounts held with different banking groups, each operating under a separate UK banking licence, your client can maximise their FSCS protection.

The Flagstone Cash ISA sits inside a simple, tax-free ‘wrapper’. This includes the ISA holding account, and the tax-free accounts that pay interest to your clients. Your clients can move money between their ISA holding account and tax-free accounts as many times as they like, without affecting their ISA allowance.

For example, during the upcoming tax year, your client can fund their ISA holding account with £20,000 before splitting the balance across two separate tax-free accounts.

The annual limit for Cash ISA deposits will decrease to £12,000 on 06 April 2027 for savers under 65 years old.

WealthKernel is a UK-regulated financial services company that provides the technology behind the Flagstone Cash ISA.  

While your client will open and access their Cash ISA through the Flagstone platform, WealthKernel acts as the ‘Cash ISA manager’. It provides essential services like account setup, custody of your client’s ISA, and regulatory reporting. Your client’s money is held with FSCS-eligible UK banking groups.   

When your client opens a Cash ISA with us, they'll need to agree to both Flagstone’s and WealthKernel’s terms of service. This is so that we can provide the necessary services for their Cash ISA.

WealthKernel is authorised and regulated by the Financial Conduct Authority (FCA).