Flagstone, the UK’s largest cash savings platform with more than £19bn in assets under management, has significantly expanded its Cash ISA offering, quadrupling available accounts and bringing ten banking partners into its single tax wrapper.
The platform has added 14 fixed-rate accounts to its Cash ISA product, bringing the total number of available accounts within the wrapper to 22, up from five when the product launched in February.
The expansion doubles the number of banking partners on the ISA panel, which now includes Oaknorth, Santander International, Al Rayan Bank, IS Bank and Kroo, alongside existing instant access providers Griffin, LHV, Paragon, RateSetter and Arbuthnot Direct. Fixed-term accounts offer rates of up to 4.45% across terms ranging from three months to two years.
The growth of the banking panel carries a direct benefit for savers in terms of protection. With ten institutions now offering accounts inside the wrapper, customers can hold up to £1.2m in tax-free savings.
Flagstone’s Cash ISA is structured around a single flexible tax wrapper, within which savers can hold both instant access and fixed-term accounts simultaneously. The platform allows savers to make withdrawals and redeposit funds without incurring penalties or reducing their annual tax-free allowance. All ISA and non-ISA holdings are visible through a single dashboard.
Flagstone chief product officer John Martin said: “As market volatility continues and tax policy changes gear up to take effect, the way that Flagstone customers are behaving suggests that savers are allocating more of their financial portfolio to cash to manage risk and ensure value preservation and liquidity. That makes it more important than ever to ensure they have access to the best possible rates, tax-free returns and the strongest protections available.
“Doubling our banking panel from five to ten within three months of launch reflects the appetite we’re seeing from both savers and banks to maximise their Cash ISA opportunity. Even in a changing ISA market, we’re focused on providing high-performing, protected savings products for customers who value certainty, access and return.”
Oaknorth product director of personal savings Tom Robinson added: “The importance of maximising the security of your cash with adequate FSCS protection has never been greater. However, for savers with larger balances, spreading deposits across multiple accounts to stay within protection limits can create a significant administrative burden. Being part of Flagstone’s ISA panel at launch helps simplify that process, allowing customers to manage their savings more easily in one place, while still benefiting from strong protection and competitive rates.”
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