Tax-free interest, multiple Instant Access Cash ISAs.

Instant Access Cash ISAs are accounts that allow you to earn tax-free savings interest from available banks.

The term 'Instant Access' describes how you can withdraw your savings. There are no penalties for making withdrawals.

At Flagstone, you open a Cash ISA, then choose what to hold inside it: Instant Access accounts, Fixed Rate accounts, or a mix of both. There's no separate application process once your Flagstone Cash ISA is up and running.

Yes. ‘Instant Access’ and ‘Easy Access’ Cash ISAs are the same thing. Both terms refer to Individual Savings Accounts (ISAs) offering immediate withdrawals to your holding account.

Yes. You can withdraw money whenever you like from a tax-free Instant Access account without a penalty.

By contrast, Fixed Rate accounts lock your money away for an agreed period. So, you may need to pay an early withdrawal charge if you want access to your money before the term ends.

The Flagstone Cash ISA is flexible. So, you can withdraw as often as you like from Instant Access accounts within the Flagstone Cash ISA, without affecting your annual ISA allowance.

Flexible Cash ISAs let you withdraw and redeposit your money as many times as you like without affecting your overall £20,000 annual limit.

The Flagstone Cash ISA is flexible.

Yes. You can ask Flagstone to request the transfer on your behalf.

If you withdraw your Cash ISA funds yourself, HMRC will register the transfer as a new contribution – meaning you may use up your annual allowance.

Yes. Flagstone makes it simple to manage multiple Instant Access and Fixed Rate tax-free accounts in one platform, in one place.

Interest is applied to your account either daily or monthly, depending on the rules of the tax-free accounts you choose to open.

Interest is paid to you when you close the account.

From 06 April 2027, the Cash ISA contribution limit will reduce to £12,000 for most savers. If you’re aged 65 or over, you can continue to fund Cash ISAs up to the full £20,000 annual allowance.

Tax-free Instant Access accounts require no notice period and will not charge you for making withdrawals. But ‘Instant Access’ does not mean that funds appear in your holding account immediately. Transfers can take as much as 48 hours to complete.

This ensures banks can make essential security checks to keep your money safe.

Withdrawal times can vary depending on partner banks.

The minimum deposit required to join Flagstone is £10,000.

Once you've been successfully onboarded onto the platform, you can open savings accounts as well as the Flagstone Cash ISA, which holds the tax-free Instant Access accounts.

We have to keep your savings accounts and the Flagstone Cash ISA separate on our platform for tax and reporting reasons.

Through our platform, you can spread your funds across multiple banks to help maximise growth.

Yes. Provided your deposits are eligible, they're protected up to £120,000 per client, per banking group. This includes deposits made in Instant Access accounts within the Flagstone Cash ISA.