{"libraryCopy":{"partner":"Interactive Investor","errors":{"common":{"supportEmail":"iiclientservices@flagstoneim.com"}},"steps":{"selectAccountType":{"title":"Open a Cash Savings Account","openAccountInstructionsTitle":"Cash Savings Account","faqs":{"answer3":{"paragraph1":"This product is currently unavailable for deposits over £250,000.","paragraph2":"","paragraph3":"","associatedParagraph2LinkUrl":""},"answer2":"The Cash Savings platform is available to individual and joint applicants (18 or older) to deposit up to £250,000.\nCash Savings Accounts can currently only be opened for UK resident and domiciled clients."}},"applicationApproved":{"body":"Thanks for submitting your application to open a Cash Savings Account powered by Flagstone. There's just one more thing we need from you before you can view your account."},"nominatedReturnAccount":{"helpBoxText":"To transfer funds in and out of your Cash Savings Account you will need a UK bank account in your name. 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Please try again.","finishButton":"Finish","thankYouTitle":"Thank you.","thankYouMessage":"We very much appreciate your help."}},"errors":{"sessionRegistration":{"heading":"Sorry we can't load the chat","bodyContent":"Please refresh the page or try again later."},"sessionExpired":{"content":"Your session has ended - sessions end after a period of time to keep your account secure.","actionLabel":"Start new chat"},"generalError":{"content":"Something went wrong and the session has ended.","actionLabel":"Start new chat"},"unknown":"Something went wrong. Please try again."}},"accountSetupTryAgainLater":{"bodyText":"Please check back in a few minutes and your account should be ready. "},"depositAccount":{"openingDateLabel":"Opened","initialDepositLabel":"Initial deposit","interestPaymentFrequencyLabel":"Interest payment frequency","nextInterestPayment":"Next interest payment","accruedInterest":"Accrued interest","documentsLabel":"Documents","productSummaryLabel":"Product summary","bankT&CLabel":"Bank T&Cs","topUpMaxReached":"This account has reached the max deposit limit of {{amount}}","pendingPartialWithdrawalInstantAccessInfo":"Pending return. You instructed to return {{amount}} from this account to your holding account on {{creationDate}}. You should expect the funds returned within two working days.","pendingPartialWithdrawalNoticeInfo":"Pending return. You gave notice to return {{amount}} from this account to your holding account on {{creationDate}}. 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Please be aware that this process may take longer if you transferred your deposit on either a weekend or a bank holiday.

We will send you an email once the transfer has cleared and a second email when your account is open.

","multiBasketEmailsNotification":{"deposit":"We'll email you once the transfer clears and your account reflects the amount.","topup":"We'll email you once the transfer clears and your account reflects the new amount."},"productConfirmationCopy":"{{term}}, {{rate}},","timeTaken":"It might take longer on weekends or bank holidays.","twoWorkingDays":"two working days."},"inviteAndEarnCard":{"title":"Share the benefits and get rewarded","buttonText":"Invite and earn","disclaimer":"T&Cs apply"},"returnConfirmation":{"title":"Thank you, {{name}}","titleNoComma":"Thank you {{name}}","subtitle":"Your cash deposit transfer for the following has been received and will be processed within one working day:","warningBoxText":"Once the funds have cleared in your holding account, you can either request to transfer the funds to your nominated account, or you can place a deposit into a different savings account.","adminPage":"Admin page.","infoNext1":"You don't need to do anything else.","infoNext2":"We'll email you to confirm when the funds have cleared in your holding account.","infoNextClosure":"We'll then close your account automatically.","action":"My Summary","returnWillBeProcessed":"Your withdrawal for the following has been received and will be processed ","withinTwoWorkingDays":"within two working days.","withinYourNoticePeriod":"within your notice period.","confirmationMessage":"To confirm, you'll receive your funds in two separate payments:","withdrawalProcessed":"We'll process your withdrawal ","withdrawalAndClosureProcessed":"We'll process your withdrawal and account closure ","inLineWithNoticePeriod":"in line with your notice period.","whenWillIReceiveFunds":"When will I receive my funds?","youWillReceiveSingle":"You'll receive <0>{{amount}} on {{date}}.","youWillReceiveSingleWithClosure":"You'll receive <0>{{amount}} on {{date}}. This account will then close.","youWillReceiveMultiple":"You'll receive two payments:","paymentLineItem":"<0>{{amount}} on {{date}}","finalInterestAndClosure":"– your final interest payment and account closure","emailNotification":"We'll email you when the funds arrive in your savings holding account – this can happen at any time of the day, up until close of business.","afterReceiving":"After that, you can redeposit the funds into other savings accounts or withdraw them to your nominated account.","actionFinish":"FINISH"},"fscsBanner":{"title":"Your UK cash deposits are eligible for FSCS protection.","findOutMore":"Find out more","dialog":{"title":"Eligible for FSCS protection","subTitle":"All UK based banks and building societies on our platform are members of the Financial Service Compensation Scheme (FSCS).","description1":"In the event that one of the UK based banks and building societies on the platform were to go into administration then our client, if eligible, would have a single claim under the FSCS limited to the deposit compensation limit of {{fscsDepositLimitIndividual}}.¹","description2":"The FSCS protects certain qualifying temporary high balances up to £1 million for 6 months from when the amount was first deposited.","descriptionBold":"You don't need to do anything – FSCS will compensate you automatically.","footnote1":"¹FSCS deposit protection is {{fscsDepositLimitIndividual}} per banking group per depositor ({{fscsDepositLimitJoint}} for joint accounts) - (as at 1 December 2025).","footnote2":"For more information please refer to ","footnoteLinkLabel":"https://www.fscs.org.uk/what-we-cover"}},"hasRingfencingEnabled":{"title":"Non-ringfenced bank","p1":"This bank is a non-ringfenced bank. Ringfencing came into effect in the UK on 1 January 2019. The aim of ringfencing is to protect UK retail banking from shocks originating elsewhere in the group and in global financial markets. It requires the largest banking groups to separate core retail banking services (ringfenced) from activities such as investment and international banking (non-ringfenced).","p2":"For more information please refer to","resource":"https://www.bankofengland.co.uk/prudential-regulation/key-initiatives/ring-fencing","disclaimer":""},"creditUnion":{"CCB":{"title":"Common Bond Confirmation","p1":"Castle Community Bank as a credit union is committed to a Common Bond, this means all members i.e. all persons who deposit funds a linkage between their members who must belong to a particular community employment code, organisation, religion or industry. The membership is free of any fees and has no hidden no extra commitments are necessary.","p2":"The criteria of the Common Bond can be found here","resource":"https://castlecommunitybank.co.uk/wp-content/uploads/2021/01/Common-Bond-Castle-Community-Bank-V1.0.pdf","disclaimer":"By clicking accept you confirm you meet the requirements of the Common Bond."}},"newFundingFlow":{"addFunds":{"title":"How would you like to transfer your funds?","subtitle":"Some banks have limits to how much you can transfer in one day.","unverifiedNotification":"To add and withdraw funds from your holding account, you’ll need to apply for a Flagstone account first.","quickTransferCard":{"title":"Quick transfer","details":{"summary":"Start the transfer from Flagstone and approve with your bank.","timeFrame":"Funds typically arrive within 30 minutes."},"advantage":"Faster"},"manualTransferCard":{"title":"Manual transfer","details":{"summary":"Go to your bank directly and make your transfer from there.","timeFrame":"Funds typically arrive between 30 minutes and 1 working day."},"advantage":"Better for larger transfers"},"scheduledTransferCard":{"title":"Scheduled transfers","details":{"summary":"Set up regular transfers to your Flagstone holding account – cancel anytime.","timeFrame":"Funds arrive at your scheduled times."},"advantage":"Automatic"},"manualTransferModal":{"title":"Make a bank transfer","processBanner":{"step1":"Go to your bank","step2":"Enter your holding account details","step3":"Complete the transfer"},"mobileProcessDescription":"Go to your bank and enter your holding account details to complete the transfer.","nominatedAccount":{"title":"From your nominated account","warning":"We’ll return funds sent from a different account."},"holdingAccount":{"title":"To your holding account","details":{"accountName":"Account name","bank":"Bank","sortCode":"Sort code","swiftCode":"Swift code","accountNumber":"Account number","iban":"IBAN","reference":"Reference","currency":"Currency"},"arrivalOfFundsNotification":"Funds typically arrive between 30 minutes and 1 working day. We’ll let you know when your funds have arrived in your holding account.","loadingError":"Unable to load your holding account details. Please close this and try again."},"changeNominatedAccountPointer":{"text":"Need to change your nominated account? Go to your <0>Settings","linkLabel":"Settings"}}},"quickTransfer":{"title":"How much would you like to transfer?","subtitle":"Banks may apply daily transaction limits.","isaProviderUnavailable":"We cannot make quick transfers to your ISA holding account at the moment. Please try again later.","transferAmountInput":{"label":"Amount","error":{"belowMinimum":"Please enter an amount","aboveMaximum":"{{amount}} is the maximum amount per quick transfer","aboveIsaLimit":"You cannot transfer more than your ISA funding limit ({{amount}})"}},"reviewCta":"Continue","review":{"title":"Review your transfer","subtitle":"We’ll securely connect you to your bank to authorise the transfer.","transferAmountSummaryPrefix":"You’re sending","nominatedAccount":{"preposition":"From"},"holdingAccount":{"preposition":"To","description":"Your Flagstone holding account"},"authoriseTransferCta":"Authorise transfer","yapilyT&Cs":{"text":"By using the service, you agree to <0>Yapily Connect initiating this payment and its <1>Terms & conditions and <2>Privacy Policy.","yapilyConnectLinkLabel":"Yapily Connect","T&CsLinkLabel":"Terms & conditions","privacyPolicyLinkLabel":"Privacy Policy"},"flagstoneT&Cs":{"text":"You also agree to Flagstone <0>Terms & conditions and <1>Privacy Notice.","T&CsLinkLabel":"Terms & conditions","privacyNoticeLinkLabel":"Privacy Notice"}},"SelectBankModal":{"title":"Which account type do you have?","subtitle":"Select your bank so we can redirect you."},"QRCodeModal":{"title":"Scan this QR Code with your phone","subtitle":"We’ll direct you to your mobile banking app to authorise the transfer.","description":"Or","desktopButtonText":"Authorise on desktop"},"loadingDialogConnectingToBank":"Connecting you securely to {{bankName}}","loadingBackToFlagstoneMessage":"Taking you back to Flagstone"},"scheduledTransfer":{"configure":{"title":"Set up scheduled transfer to your savings holding account","subtitle":{"line1":"You’re in control – set the amount, frequency, and date.","line2":"Banks may apply daily transaction limits."},"amount":{"label":"Amount"},"frequency":{"label":"Transfer frequency","options":{"daily":"Daily","weekly":"Weekly","monthly":"Monthly","yearly":"Yearly"}},"startDate":{"label":"Start date","tooltip":"We've selected the earliest possible date - but you can choose a date that suits you."},"endDate":{"label":"End date (optional)","placeholder":"dd/mm/yyyy"},"validation":{"amountRequired":"Please enter an amount","amountMin":"The minimum scheduled transfer amount is {{amount}}","amountMax":"The maximum scheduled transfer amount is {{amount}}","frequencyRequired":"Please select a transfer frequency","invalidDate":"Please select a valid date","startDateNotToday":"The start date cannot be the same day you set up the scheduled transfer","endDateMinimum":"The end date must be on or after {{date}}"},"reviewCta":"Review"},"review":{"title":"Review and confirm your scheduled transfer","subtitle1":"Check the details below, then securely authorise the payments with your bank.","subtitle2":"Banks may apply daily transaction limits.","sourceAccount":{"preposition":"From"},"destinationAccount":{"preposition":"To","description":"Flagstone Savings holding account"},"details":{"panelTitle":"Scheduled transfer details","amount":"Amount","frequency":"Frequency","startDate":"Start date","endDate":"End date","endDateNone":"None selected"},"holdingAccountWarning":"Your savings holding account doesn’t earn interest, so remember to move your money into a savings account once it arrives.","authoriseCta":"Authorise Transfer","cancelCta":"Cancel","yapilyT&Cs":{"text":"By using the service, you agree to <0>Yapily Connect initiating this payment and its <1>Terms & conditions and <2>Privacy Policy.","yapilyConnectLinkLabel":"Yapily Connect","T&CsLinkLabel":"Terms & conditions","privacyPolicyLinkLabel":"Privacy Policy"},"flagstoneT&Cs":{"text":"You also agree to Flagstone <0>Terms & conditions and <1>Privacy Notice.","T&CsLinkLabel":"Terms & conditions","privacyNoticeLinkLabel":"Privacy Notice"},"exitModal":{"title":"Are you sure you want to exit?","body":"You’ll lose the details you’ve entered so far, but you can start the set‑up again at any time.","exitCta":"Yes, Exit","backCta":"Go Back"},"QRCodeModal":{"title":"Scan this QR Code with your phone","subtitle":"We'll direct you to your mobile banking app to authorise the transfer.","description":"Or","desktopButtonText":"Authorise on desktop"},"loadingConnectingToBank":"Connecting you securely to {{bankName}}"},"cancelled":{"title":"Request cancelled","description":"We’ve cancelled your request with {{bankName}}. We won’t take any payments from your account.","cta":"Arrange new transfer","backButton":"Go to my summary"},"failed":{"title":"We couldn’t finish setting up your scheduled transfer","description":"There was an issue with your bank – we’ve not taken any payment. Please try again when it suits you.","cta":"Try again","backButton":"Go to my summary"},"pending":{"loadingBackToFlagstoneMessage":"Taking you back to Flagstone"},"processing":{"title":"We’re processing your scheduled transfer","subtitle1":"Processing usually completes within one to two working days.","subtitle2":"We’ll email you when the set-up is complete.","details":{"panelTitle":"Scheduled transfer details","amount":"Amount","frequency":"Frequency","startDate":"Start date","endDate":"End date","endDateNone":"None selected","from":"From","to":"To","toValue":"Savings holding account"},"holdingAccountWarning":"Your Savings holding account doesn’t earn interest, so remember to move your money into a deposit account once it arrives.","cta":"Go to my summary"},"inProgress":{"title":"We’re still setting up your scheduled transfer","subtitle":"This is taking a little longer than usual. You don’t need to do anything. We’ll email you to confirm once it’s done.","cta":"Go to my summary"}},"failedTransfer":{"title":"Sorry, we couldn’t process your transfer.","description":"Due to a processing issue with your bank, the transfer didn’t go through.","institutionRejectedDescription":"Your bank declined this transfer. This can happen if the amount exceeds your bank’s payment limit — please try a lower amount or contact your bank.","cta":"Try again","backButton":"Go to my summary"},"cancelledTransfer":{"title":"Transfer cancelled","description":"We successfully cancelled your transfer request with {{bankName}}.","cta":"Make another transfer","backButton":"Go to my summary"},"transferConfirmation":{"title":"We’re processing your transfer","description":"We’ll let you know when your funds have arrived in your holding account – typically within 30 minutes.","amount":"Amount: ","transferReference":"Transfer reference: ","goToMySummaryButton":"Go to my summary","makeAnotherTransferLink":"Make another transfer"},"transferAuthorisation":{"title":"To authorise this transfer, open your banking app or log in to your online banking.","subtitle":"When you’re finished, come back here."},"backButtonText":"Back"},"labels":{"account":{"name":"Account name","bank":"Bank","sortCode":"Sort code","accountNumber":"Account no","reference":"Reference","address":"Address","amount":"Amount","date":"Date"},"productCard":{"bank":"Bank","bankname":"Bank name","countryCode":"Country code","term":"Term","gross":"Gross rate","aerGross":"AER | Gross","nonIndicativeGross":"Gross rate","nonIndicativeAerGross":"AER | Gross","aer":"AER","maturityDate":"Maturity date","minDeposit":"Min deposit","minDepositShort":"Min","maxDeposit":"Max deposit","maxDepositShort":"Max","eligibleForFSCS":"FSCS eligibility","fitchSolution":"Fitch Solutions (FICS)","termsAndConditionsShort":"T&Cs","termsAndConditionsFitch":"T&Cs and FSCS sheet","bankT&C":"Bank T&Cs","productSummary":"Product summary","more":"More","less":"Less","removeButton":"REMOVE","depositAmount":"Enter deposit","estimatedDeposit":"Estimated deposit","enterAmount":"{{minAmount}} minimum","enterTopUpAmount":"Enter amount ({{currency}})","info":"Info","infoTermsAndConditions":"Info | T&Cs","fscsProtected":"Yes","noFscsProtected":"No","interestAtMaturity":"Interest at maturity","totalPaidInterest":"Total paid interest","accountBalance":"Account balance","interestPaymentFrequency":"Interest payment frequency","currentBalance":"Current balance","rolloverBalance":"Rollover balance","pendingBalance":"Pending balance","pendingTopUp":"Pending top-up","topUpButtonLabel":"Top up","topUpUnavailableButtonLabel":"Top Up Unavailable","topUpAmount":"Top up amount","returnAmount":"Return amount","returnToHoldingAccount":"Return to holding account","returnToHoldingAccountUnAvailable":"Return to holding account unavailable","giveNotice":"Give notice","giveNoticeUnAvailable":"Give notice unavailable","topUpHelpText":"Maximum amount left: {{amount}}","setupRollover":"Set up rollover","pendingWithdrawal":"Withdrawal amount","closingBalance":"Closing balance","fscsWarningMessageSingleProduct":"All eligible deposits will benefit from FSCS protection of up to {{fscsDepositLimitIndividual}} per client, per banking group (or {{fscsDepositLimitJoint}} for joint accounts).","fscsGroupLimitInfo":"This bank belongs to {{bankGroup}}, a banking group that doesn't allow clients to deposit more than the FSCS protection limit.","fscsWarningMessageMulipleProducts":"You have more than {{amount}} in this banking group. All eligible deposits will benefit from FSCS protection of up to {{fscsDepositLimitIndividual}} per client, per banking group (or {{fscsDepositLimitJoint}} for joint accounts).","increaseRateNotification":"Rate increased from {{previousAer}}% | {{previousNetRate}}% (AER | Gross)","decreaseRateNotification":"Rate decreased from {{previousAer}}% | {{previousNetRate}}% (AER | Gross)"},"sortLabels":{"sortBy":"Sort by","grossDsc":"Gross Rate: High to low","grossAsc":"Gross Rate: Low to high","aerDsc":"AER: High to low","aerAsc":"AER: Low to high","termDsc":"Term: Long to short","termAsc":"Term: Short to long","minDepositDsc":"Min deposit: High to low","minDepositAsc":"Min deposit: Low to high","maxDepositDsc":"Max deposit: High to low","maxDepositAsc":"Max deposit: Low to high","banknameAsc":"Bank name: A-Z","banknameDsc":"Bank name: Z-A","termLength":"Term length","fitchDsc":"Fitch rating: High to low","fitchRatings":"Fitch Solutions (FICS)"},"myFunds":{"title":"MY FUNDS","totalDepositAccountsBalance":"Total deposit accounts balance","accruedInterestNotYetPaid":"Accrued interest not yet paid","holdingAccountBalance":"Holding account balance","pendingDepositTransfers":"Pending deposit transfers","pendingFxFundTransfers":"Pending exchange transfers","ringFencedFunds":"Ring-fenced funds","pendingWithdrawalsToNominatedAccount":"Pending withdrawals to nominated account","pendingTransferToHoldingAccount":"Pending transfer to holding account","availableToInvest":"Available to invest","totalPortfolioValue":"Total portfolio value"},"myFundingProgress":{"createProfile":"Create profile","fundHoldingAccount":"Fund holding account","openSavingsAccount":"Open savings accounts","availableToInvest":"({{amount}} available to invest)"}},"genericErrorMessages":{"portfolioAPI":"Unable to load portfolio","downloadTandCsError":"Unable to download product's T&Cs"},"depositAccountSelection":{"title":"Transfer funds into deposit account","titleMultiBasket":"Transfer funds into savings accounts","topUpTitle":"Top up existing account","agreeTermsConditions":"I agree to the Flagstone Terms and Conditions and acknowledge that the Third Party Bank Terms and Conditions form part of the agreement between Flagstone and the Third Party Bank and will apply to any deposit placed by Flagstone on my behalf.","readDocuments":"You should read these documents carefully and if you have any questions please contact Flagstone Client Services for further information.","accept":"I accept the","termsAndConditions":"Terms & Conditions","depositAccount":"deposit account","availableToInvest":"You've entered {0} into your selection, so you have {1} remaining.","titleEmptyState":"You have no savings accounts in your selection","copyEmptyState":"Take another look at our range of competitive savings accounts – anything you choose will display here. ","selectedProductsUnavailableTitle":"A savings account in your selection is no longer available","selectedProductsUnavailableDetails":"Click continue to choose a new savings account.","selectedProductsUnavailableCopy":"• {{bankName}}, {{term}},
{{aer}}% | {{ratePercent}}% (AER | Gross)","agreeAdditionalTermsConditions":"I also agree that in accordance with the Terms, Flagstone are <1>not:","noWarranty":"Providing any confirmation or warranty as to the existence or availability of any deposit protection scheme in any jurisdiction.","noTaxAdvice":"Providing any tax advice or accepting any liability for the impact that any instruction you place through our Online Platform will have on your tax position.","backAction":"Back to rates","basketTableHeading":"YOUR SELECTION","notFundedView":{"title":"Welcome back, {{name}}.<1 />Here are your chosen savings accounts.","subtitle":"Before you can open these accounts, you'll need to fund your Flagstone holding account.","selectionDescription":"You can change your savings accounts at any time – even after funding your Flagstone holding account.","fundButton":"Fund holding account","savingButton":"Add savings accounts"},"applicantView":{"title":"Here are your chosen savings accounts","subtitle":"Before you can open these accounts, you’ll need to apply for a Flagstone account, and fund your holding account.","selectionDescription":"Rates are subject to availability and eligibility after you’ve applied for a Flagstone account.","ctaText":"Complete application","documentsRequired":{"subtitle":"Before you can open these accounts, you’ll need to upload documents to complete your application.","ctaText":"Upload documents"},"manualReview":{"subtitle":"Before you can open these accounts, we need to review your application. We’ll let you know the outcome as soon as possible."}},"unavailableProducts":{"title":"Unavailable accounts","subtitle":"As market conditions change, banks occasionally adjust the accounts they offer. <0>Go back to rates to choose from the latest accounts.","subtitleNotFunded":"Banks sometimes change the accounts they offer, based on individual eligibility and market conditions.","removeAll":"Remove all unavailable"}},"depositReviewAndConfirm":{"title":"Review and confirm your deposits","subTitleText":"Here's everything you need to know about your chosen savings accounts. You'll need to agree to the Terms & Conditions before you can place your deposits.","increase":"increase","decrease":"decrease","upcomingRateChange":"Upcoming rate change:","onDate":"On {{date}}, the interest rate on your {{bankName}} {{term}} account will ","from":"from","fromAerGross":"{{fromAer}} | {{fromGross}} (AER | Gross)","toAerGross":" to {{toAer}} | {{toGross}} ","fromGross":"{{fromGross}} (Gross)","toGross":" to {{toGross}} ","aerGrossChooseNewSavingsIfPreferred":"(AER | Gross). You can choose a new savings account if you'd prefer.","grossChooseNewSavingsIfPreferredGross":"(Gross). You can choose a new savings account if you'd prefer.","depositRateChangeNotification":"Upcoming rate change: On {{date}}, the interest rate on your {{bankName}} {{term}} account will {{state}} from {{fromAer}}% | {{fromGross}}% (AER | Gross) to {{toAer}}% | {{toGross}}% (AER | Gross). You can choose a new savings account if you'd prefer.","depositRateChangeBCOB":"On {{date}}, the interest rate will {{state}} to {{aer}} | {{gross}} (AER | Gross)","depositRateChangeBCOBGross":"On {{date}}, the interest rate will {{state}} to {{gross}} (Gross)","agreeOnTermsAndConditions":"I've read and agree to the Terms & Conditions of my chosen savings account","agreeOnTermsAndConditionsMultiple":"I've read and agree to the Terms & Conditions of my chosen savings accounts","ctaConfirmAndDeposit":"Confirm and deposit","portfolioOptimiser":{"title":"Read the Terms and Conditions","subTitle":"Here’s everything you need to know about your chosen savings account.","disclaimer":"After you confirm your switch, you won’t be able to make any changes. If the interest rate on this account decreases, we’ll email you.","ctaConfirmAndSwitch":"Confirm and switch"}},"returnFundsSelection":{"titleIA":"Return funds to holding account","titleNotice":"Give notice and return funds to holding account","topUpTitle":"Top up existing account","agreeTermsConditions":"I agree to the Flagstone Terms and Conditions and acknowledge that the Third Party Bank Terms and Conditions form part of the agreement between Flagstone and the Third Party Bank and will apply to any deposit placed by Flagstone on my behalf.","continueTermsConditions":"By continuing, you agree that\u00A0Flagstone’s Terms and Conditions\u00A0and the\u00A0third-party bank’s Terms and Conditions apply to any deposit we place on your behalf.","questionsTermsConditions":"If you have any questions, please contact our Client Services team.","readDocuments":"You should read these documents carefully and if you have any questions please contact Flagstone Client Services for further information.","accept":"I accept the","termsAndConditions":"Terms & Conditions","depositAccount":"deposit account","radioPartBalance":"Return part of the account balance","radioPartFullBalance":"Return full balance and close account","minimumDepositCallout":"We close accounts which fall under the minimum deposit amount, and transfer the remaining balance to your holding account.","apiErrors":{"genericError":"Sorry, we are unable to withdraw your deposit at this time. Please try again or contact"}},"placeDeposits":{"selectedDepositAccount":"Selected savings account: #num#","selectedDepositAccountMultiple":"Selected savings accounts: #num#","tooltipRates":"{{aer}}% | {{ratePercent}}% (AER | Gross)","stickyBasketTooltip":" added to your selection.","mySelection":"My selection ","add":"Add","topup":"TOP UP","bestFlagstoneRateNotificationMessage":"Best Flagstone rate","depositAccountNotificationMessage":"You've already opened this account. Top up from your portfolio.","pendingDepositAmountNotificationMessage":"You have a pending transfer of {{amount}} in this account","pendingTopUpAmountNotificationMessage":"You have a pending top-up of {{amount}} in this account","pendingWithdrawalAmountNotificationMessage":"You have a pending withdrawal of {{amount}} in this account","select":"Select","remove":"Remove","reserve":"RESERVE","errors":{"noAccountsAvailable":{"header":"There are no deposit accounts in the selected currency at present.","info":"We are increasing our currency product availability regularly.","customerContact":"Please contact <1>{{supportEmail}} if you would like further information."},"insufficientBalance":"Your deposit amount exceeds the maximum amount left","minimumDepositRequired":"{{currency}}{{amount}} minimum deposit","maximumDepositLimit":"Maximum of {{currency}}{{amount}} deposit limit","maximumDepositLimitExceeds":"{{currency}}{{amount}} maximum deposit","topUpError":"Maximum amount left {{currency}}{{amount}}","fscsCap":"Because of the FSCS protection limit, you can only deposit up to {{currency}}{{amount}}.","fscsCapZero":"Because of the FSCS protection limit, you can't deposit any funds into this bank.","termsAndConditions":"Please accept the Terms & Conditions to continue","maximumReturnAmountExceeds":"The return amount cannot be larger than your account balance.","minimumReturnAmountRequired":"You need to add a return amount","form":{"nameerror":"Please enter a Name","sortCode":"Sort code","accountNumber":"Account number","accountNumberError":"Please enter a valid account number","sortCodeError":"Please enter a valid sort code","bankNameError":"Please enter a valid Bank Name","submitButtonLabel":"confirm"},"amountNotDivisible":"Deposits with this bank are restricted to multiples of {{currency}}{{divideBy}}"},"apiErrors":{"badRequest":"Sorry, we are unable to place your deposit at this time. Please try again or contact","notFound":"Sorry, this product is no longer available. Please select a different deposit account.","productVersion":"Sorry, this product is no longer available. Please select a different deposit account.","holdingAccount":"Sorry, we are unable to place your deposit at this time. Please try again or contact","invalidUser":"Sorry, we are unable to place your deposit at this time. Please try again or contact","referenceMismatch":"Sorry, we are unable to place your deposit at this time. Please try again or contact","productLimit":"Sorry, we are unable to place your deposit at this time. Please try again or contact","productCapacity":"Sorry, this product is no longer available. Please select a different deposit account.","depositAccountClosedClosing":"Sorry, you have already requested to close this account so we cannot accept new deposits.","productClosedToNewClients":"Sorry, this product is no longer available. Please select a different deposit account.","dailyInstructionLimitReached":"Sorry, you have reached the maximum amount of transfers for today. Please try again tomorrow.","insufficientFunds":"Sorry, you have insufficient funds to make this deposit. Please re-enter a suitable deposit amount.","conflict":"Sorry, we are unable to place your deposit at this time. Please try again or contact","conflict_fscs":"Sorry, we are unable to complete your transfer request because you already have a deposit with {{bankName}}.\nThe maximum deposit on the Flagstone platform for this banking institution is {{maxLimitFSCS}} ({{maxLimitFSCSJointAccount}} for joint accounts). Please consider these limits when placing your deposit.","genericError":"Sorry, we are unable to place your deposit at this time. Please try again or contact"},"confirmation":{"apiErrors":{"badRequest":{"single":"We are unable to place your deposit at this time.","multiple":"We are unable to place your deposits at this time."},"notFound":{"single":"Sorry, this product is no longer available. Please select a different deposit account.","multiple":"Sorry, these products are no longer available. Please select a different deposit account."},"productVersion":{"single":"Sorry, this product is no longer available. Please select a different deposit account.","multiple":"Sorry, these products are no longer available. Please select a different deposit account."},"holdingAccount":{"single":"Sorry, we are unable to place your deposit at this time.","multiple":"Sorry, we are unable to place your deposits at this time."},"invalidUser":{"single":"Sorry, we are unable to place your deposit at this time.","multiple":"Sorry, we are unable to place your deposits at this time."},"referenceMismatch":{"single":"Sorry, we are unable to place your deposit at this time.","multiple":"Sorry, we are unable to place your deposits at this time."},"productLimit":{"single":"Sorry, we are unable to place your deposit at this time.","multiple":"Sorry, we are unable to place your deposits at this time."},"productCapacity":{"single":"Sorry, this product is no longer available. Please select a different deposit account.","multiple":"Sorry, these products are no longer available. Please select a different deposit account."},"depositAccountClosedClosing":{"single":"Sorry, you have already requested to close this account so we cannot accept new deposits.","multiple":"Sorry, you have already requested to close this account so we cannot accept new deposits."},"productClosedToNewClients":{"single":"Sorry, this product is no longer available. Please select a different deposit account.","multiple":"Sorry, these products are no longer available. Please select a different deposit account."},"dailyInstructionLimitReached":{"single":"Sorry, you have reached the maximum amount of transfers for today. Please try again tomorrow.","multiple":"Sorry, you have reached the maximum amount of transfers for today. Please try again tomorrow."},"insufficientFunds":{"single":"Sorry, you have insufficient funds to make this deposit. Please re-enter a suitable deposit amount.","multiple":"Sorry, you have insufficient funds to make these deposits. Please try again with a suitable deposit amount."},"conflict":{"single":"Sorry, we are unable to place your deposit at this time.","multiple":"Sorry, we are unable to place your deposits at this time."},"conflict_fscs":{"single":"Sorry, we are unable to complete your transfer request because you already have a deposit with {{bankName}}.\nThe maximum deposit on the Flagstone platform for this banking institution is {{maxLimitFSCS}} ({{maxLimitFSCSJointAccount}} for joint accounts). Please consider these limits when placing your deposit.","multiple":"Sorry, we are unable to complete your transfer requests because you already have a deposit with {{bankName}}.\nThe maximum deposit on the Flagstone platform for this banking institution is {{maxLimitFSCS}} ({{maxLimitFSCSJointAccount}} for joint accounts). Please consider these limits when placing your deposits."},"genericError":{"single":"Sorry, we are unable to place your deposit at this time.","multiple":"Sorry, we are unable to place your deposits at this time."}}},"filters":{"filterHeading":"Filters","accountTypeLabel":"Account type","filterBy":"Filter by","topRates":"Best Flagstone rates","AccountTypeTooltip":"Account types

A fixed term account gives you a fixed rate of interest over a specified term. You cannot withdraw your funds until the end of your term.

With instant access accounts you can deposit and withdraw your money at any time.

With notice accounts you can deposit,
top-up and withdraw money at any time, however, funds can only be accessed once the relevant notice period has been served.","topRateTooltip":"See the best interest rates for each account type and term length on our platform.","FixedTerm":"Fixed term","InstantAccess":"Instant access","Notice":"Notice account","Terms":"Terms","filterResults":"Results ({{filterResult}}): ","showing":"Showing {{firstProductIndex}}-{{lastProductIndex}}","filterResultsLoadingState":"<0>Results: Loading...","viewAs":"View as:","Day":"days","Month":"months","Year":"year","topRateNotification":"Best Flagstone {{term}}","fscsGroupFilter":"Hide accounts from banking groups where I've reached my FSCS protection limit","fscsGroupFilterTooltip":"We've excluded your {{bankName}} holding account on the basis that you'll soon deposit those funds into savings accounts.","hideLowRateProducts":"Only show accounts higher than my lowest rate account ({{aer}}% AER)","fscsProtected":"Only show FSCS-protected accounts","termLength":{"title":"Term length","popularTermsTitle":"Popular terms","otherTermsTitle":"Other terms","expand":"Show more","collapse":"Show less"},"termType":{"title":"Term","InstantAccess":{"label":"Instant Access","description":"Access your money anytime"},"FixedTerm":{"label":"Fixed Term","description":"Lock in your money for a period"},"Notice":{"label":"Notice","description":"Give notice before withdrawal"},"maxAerAvailable":"(up to {{maxAerAvailable}}% AER)"},"onlyShowAccounts":{"title":"Only show accounts","labels":{"ExcludedFscsGroupIds":"Within my banking group FSCS protection limit","HideLowRateProducts":"Higher than my lowest rate ({{aer}}% AER)"}},"onlyShow":{"title":"Only show","labels":{"topRates":"Best Flagstone rates","ExcludeFscsUnprotected":"FSCS protection eligible"}},"clearAll":"Clear all","showFiltersCta":"Filter and sort","filterAndSortBy":"Filter and sort by","apply":"Apply"},"reducedShareOfInterestPromotions":{"exclusiveRateForNewCustomers":"Introductory offer for new customers","aerRateBoost":"+{{aerRateBoost}} AER boost","relativePromotionExpirationDate":"Ends {{relativePromotionExpirationDate}}","introductoryOfferDisclaimer":"This introductory offer is available to new Flagstone customers until {{promotionExpirationDate}}. It is valid for {{offerValidityPeriodInMonths}} months from the date your application is approved. {{supportingText}} <0>Read the Introductory Offer T&Cs.","instantAccessSupportingText":"The rate is variable and may change.","fixedTermSupportingText":"The rate is fixed for the full term.","linkText":"Read the Introductory Offer T&Cs","promotionAvailableUntil":"This introductory offer is available to new Flagstone customers until {{promotionExpirationDate}}.","instantAccessAdditionalText":"It is valid for 6 months from the date your application is approved. The rate is variable and may change. <0>Read the Introductory Offer T&Cs.","fixedTermAdditionalText":"It is valid for 3 months from the date your application is approved. The rate is fixed for the full term. <0>Read the Introductory Offer T&Cs."},"emailSubject":"Unable to place deposit {{publicClientReference}} - Placing deposits","removeProductConfirmation":{"title":"Are you sure you want to remove this savings account from your selection?","text":"We will remove this savings account from your selection if you confirm.","product":"{{bankName}}, {{term}},
{{aer}}% | {{ratePercent}}% (AER | Gross)"},"unverifiedUserRatesNotification":"Rates in this table are subject to availability and eligibility after you’ve applied for a Flagstone account."},"contact":{"companyName":"Flagstone","email":"clientservices@flagstoneim.com","clientServicesEmail":"applications@flagstoneim.com","address":["1st floor, Clareville House","26-27 Oxendon Street","London","SW1Y 4EL"]},"companyInfo":{"flagstoneInvestment":"Flagstone Investment Management Ltd","flagstoneGroupLTD":"Flagstone Group LTD","address":"8 Canada Square","addressTown":"London","addressLine2":"Canary Wharf","addressPostCode":"E145HQ"},"help":{"pageTitle":"Help page"},"accountSettings":{"menuTitle":"Account settings","notFound":"Not found {{tab}}","sectionTitles":{"accountDetails":"Account details","businessDetails":"Business details","executionUserDetails":"Execution user details"},"menuItems":{"accountDetails":"Account details","address":"Address","taxInformation":"Tax information","nominatedAccount":"Nominated account","scheduledTransfers":"Scheduled transfers ({{count}})","securitySettings":"Security settings","executionUserDetails":"Execution user details"},"scheduledTransfers":{"emptyState":{"title":"No transfers scheduled","description":"Scheduled transfers let you fund your holding account automatically each week or month. You can create, amend, or cancel them here."},"newTransferCta":"Arrange new transfer","detail":{"holdingAccountLabel":"Savings holding account","amount":"Amount","frequency":"Frequency","nextPayment":"Next payment","previousPayment":"Previous payment","endDate":"End date","noEndDate":"None selected","from":"From","to":"To","amendPauseCta":"PAUSE","resumeCta":"RESUME","cancelCta":"CANCEL"},"callout":{"pending":"We're setting this up with your bank. You can cancel it if you need to.","processing":"We're already processing this scheduled payment, so you can't pause or cancel it. Once the payment completes, you can pause or cancel your scheduled transfer."},"status":{"active":"Active","processing":"Processing","paused":"Paused","cancelled":"Cancelled","closed":"Closed","pendingmandate":"Pending","pendingconsent":"Pending"},"frequency":{"daily":"Daily","weekly":"Weekly","monthly":"Monthly","yearly":"Yearly"},"pauseModal":{"title":"Pause this scheduled transfer?","body":"This will stop all future payments. You can resume payments at any time.","confirm":"YES, PAUSE","cancel":"GO BACK"},"pauseSuccess":"Scheduled transfer paused.","pauseError":"We were unable to pause your scheduled transfer. Please try again.","resumeModal":{"title":"Resume this scheduled transfer?","body":"This will resume your payments. You can pause the transfer again if you choose.","confirm":"YES, RESUME","cancel":"GO BACK"},"resumeSuccess":"Scheduled transfer resumed.","resumeError":"We were unable to resume your scheduled transfer. Please try again.","cancelModal":{"title":"Cancel this scheduled transfer?","body":"You can arrange a new one at any time.","confirm":"YES, CANCEL","cancel":"GO BACK"},"cancelSuccess":"Scheduled transfer cancelled.","cancelError":"We were unable to cancel your scheduled transfer. Please try again.","errorContact":"If the problem persists, please email <1>{{supportEmail}}"},"accountDetails":{"title":"Title","firstName":"First name","lastName":"Last name","middleName":"Middle name(s)","phone":"Phone number","secondaryPhone":"Secondary phone number","clientReferenceNumber":"Client reference number","accountType":"Account type","changeDetails":"CHANGE DETAILS","validation":{"phone":"Must be a valid UK phone number"}},"businessDetails":{"businessName":"Business name","companyNumber":"Companies House number","registeredAddress":"Registered address","tradingAddress":"Trading address","sameAsRegisteredAddress":"Same as registered address"},"executionUserDetails":{"description":"This user has all access rights to this account. They are the only user who can manage transactions and accounts.","labels":{"address":"Address","email":"Email address","phone":"Phone"}},"accountType":{"entity":"Business","individual":"Individual","joint":"Joint account with {{jointAccountName}}"},"address":{"yourCurrentAddress":"Your current address","yourUpdatedAddress":"Your updated address","labels":{"flatNumber":"Flat number","streetNumberBuildingName":"Street number or building name","addressLine1":"Street","townOrCity":"Town / City","countryCode":"Country","postcode":"Postcode","applyToPrimaryAndSecondaryContacts":"Apply this address change to both account holders","applyToPrimaryAndSecondaryContactsSubLabel":"Leave unchecked to update only your address"},"buttons":{"changeDetails":"Change details","save":"Save","cancel":"Cancel"},"businessDetails":{"businessName":"Business name","companyNumber":"Companies House number","registeredAddress":"Registered address","tradingAddress":"Trading address","sameAsRegisteredAddress":"Same as registered address"},"addressLookup":{"label":"Enter postcode or any part of your address","placeholder":"Enter postcode","enterAddressManually":"Or enter address manually","resultsPlaceholder":"Please enter 3 or more characters to search","noResults":"No results","searching":"Searching..."},"validation":{"required":"This field is required","postcode":"Please enter a valid UK postcode","addressUnchanged":"Your new address must be different from your current address."},"notifications":{"pending":"Your request to change your address has been received and is being reviewed.","approved":"You’ve successfully changed your address.","jointAccount":"Joint account holders will need to log in separately to update their address."},"whatHappensNext":{"heading":"What happens next?","content":"We will be in touch to inform you of the outcome as soon as possible. This is likely to take one or two working days."},"needToMakeFurtherChanges":{"heading":"Need to make further changes?","content":"You won’t be able to make changes until this request has been processed."},"documentUpload":{"heading":"Please upload proof of address","callout":"Please provide proof of address by uploading a document which matches the address you’ve requested to change to.","weWillAccept":"We’ll accept any of the following:","drivingLicense":"full UK driving licence","statement":"bank/building society or credit card statements (from the last three months)","bill":"gas, electricity, or council tax bills (from the last three months)","submit":"Submit","cancel":"Cancel","attachDocument":"Attach document","faqs":{"isItSafeToUploadMyDocuments":{"title":"Is it safe to upload my documents?","content":"Our platform uses secure encryption and data protection policies to keep your sensitive information safe."}}}},"taxInformation":{"isUKResident":"Are you a UK resident?","isUKTaxPayer":"Do you pay taxes in the UK?","foreignTaxObligations":"Do you pay taxes in any other countries?","nonUKTaxObligations":"Other countries you pay taxes in (TIN)?"},"nominatedAccount":{"accountName":"Account name","nameOnAccount":"Name on account","bankName":"Bank name","sortCode":"Sort code","accountNumber":"Account number","swiftCode":"SWIFT BIC","iban":"IBAN/Account ID","howToSetup":{"title":"How to set up a Nominated Account in a new currency","offering":"We offer Flagstone Holding Accounts in a range of different currencies.","needForNominatedAccount":"To fund or withdraw from one of your Flagstone holding accounts we will need to set up a Nominated Account for you in the corresponding currency.","howToNominate":"To set up a new Nominated Account in each currency please provide the following information via email to <1>{{supportEmail}}:","checklist":{"accountName":"Account Name","bankName":"Bank Name","currencyOfAccount":"Currency of Account (must correspond with the currency of the relevant holding account)","sortCode":"Sort code, Swift Bic, or routing code","accountNumber":"Account number, IBAN or ID"},"disclaimer":"<0>Please also attach a certified bank statement for each account which we require as part of our approval process. We will be unable to open a Nominated Account without this.","meantimeMessage":"Alternatively, you can instruct an <1>FX Exchange into a currency where you have a corresponding Nominated Account set up although please be aware that you will be charged a fee for each individual FX Exchange you instruct as per our Terms and Conditions "},"yourNominatedAccount":"Your nominated account","uploadYourBankStatement":"Upload your bank statement","modalPollingText":"Taking you back to Flagstone","notifications":{"approved":"You've successfully changed your nominated account.","submitted":"Your request to change your nominated account has been received and is being reviewed.","denied":"We couldn't verify you at this time. To change your details, email <1>{{supportEmail}}.","expiration_one":"For security reasons, you have {{count}} minute to submit your details. This will expire on {{expiryDate}}.","expiration_other":"For security reasons, you have {{count}} minutes to submit your details. This will expire on {{expiryDate}}.","expired":"For security reasons, this request has expired. You'll need to start the nominated account change again."},"informationText":{"needToChangeYourDetailsPrimary":{"title":"Need to change your details?","content":"Please verify your identity with our partner, Veriff. For best results, ensure you are alone in the camera view. It only takes a few minutes."},"needToChangeYourDetailsSecondary":{"title":"Need to change your details?","content":"Only the primary Flagstone account holder can request to change these details."},"needToChangeYourDetailsApproved":{"title":"Need to change your details?","content":"You can update your details again from {{endOfLockoutPeriod}}."},"whatHappensNext":{"title":"What happens next?","content":"We will be in touch to inform you of the outcome as soon as possible. This is likely to take one or two working days."},"needToMakeFurtherChanges":{"title":"Need to make further changes?","content":"Please wait for us to process your first request before making another request."}},"requestToChangeDetails":"Request to change details","frequentlyAskedQuestions":"Frequently asked questions","faqs":{"whatIsMyNominatedAccount":{"title":"What is my nominated account?","content":"<1>Your nominated account is the UK current account you use to fund your holding account.<1>The name on this account must match the name on your Flagstone account."},"howDoIChangeMyNominatedAccount":{"title":"How do I change my nominated account?","content":"<1>You'll need to verify your identity first. We've partnered with Veriff to make this process quick and easy:<2><3>Click 'Request to change details'.<3>Follow the steps to verify your identity with Veriff - submit a photo of your ID and take a selfie.<3>Once verified, add your new nominated account details."},"howDoesFlagstoneKeepMyDataSafe":{"title":"How does Flagstone keep my data safe?","content":"<1>We use Transport-Layer Security (TLS) to securely move your data, and protect it with encrypted servers and multi-layer firewalls.<1>For ID checks, we partner with Veriff, an AI-powered identity verification platform designed for handling sensitive information. This ensures a secure and reliable experience."},"isItSafeToUploadMyDocuments":{"title":"Is it safe to upload my documents?","content":"Our platform uses secure encryption and data protection policies to keep your sensitive information safe."}},"forms":{"details":{"helpText":"<1>Please enter your new bank details below. You must use a <2>UK current account.<1>Ensure the name on your nominated account matches the name on your Flagstone application.","labels":{"nameOnTheAccount":"Name on the account","bankName":"Bank name","sortCode":"Sort code","accountNumber":"Account number"},"buttons":{"submit":"Submit","cancel":"Cancel"},"callout":"Please double-check all information is accurate.","submitting":"Submitting your details...","validation":{"required":"This field is required","accountNumber":"Please enter a valid 8-digit account number (example: 12345678)","sortCode":"Please enter a valid sort code in the format XX-XX-XX (example: 12-34-56)","maxLength":"Please enter no more than {{max}} characters"},"apiError":"Something went wrong. Please try again."},"documents":{"helpText":"<1>You'll need to upload an image or scanned copy of a bank statement.<1>Please make sure:<2><3> it is dated within the last three months<3>the name matches the Flagstone account holder<3>the entire page is visible in the image or scanned copy","buttons":{"upload":"Upload documents","submit":"Submit","cancel":"Cancel"},"submitting":"Submitting your documents...","apiError":"Something went wrong. Please try again."}}},"securitySettings":{"detailsInfoTitle":"If you are having difficulty please contact our client service team","emailAddress":"Email address","password":"Password","hiddenPassword":"* * * * * * * *","changePasswordButton":"Change password","changeEmailButton":"Change email address","isEmailAccessAvailableLabel":"Do you have access to your current email account?","pinCode":{"title":"PIN code","description":"You can set up a memorable PIN code for an extra layer of protection when you log in.","changeHeading":"Change your PIN","changeParagraph1":"Set up a personal identification number (PIN) to keep your account secure.","changeParagraph2":"We'll prompt you to enter this PIN after your username and password each time you log in.","currentPin":"Current PIN","newPinLabel":"Enter new PIN","confirmPinLabel":"Repeat new PIN","invalidPin":"Your PIN code should be between 4 and 10 numeric digits.","pinMismatch":"The PIN you've entered does not match.","pinChangeCompleteTitle":"You've changed up your PIN","pinChangeCompleteBody":"We'll prompt you to enter this PIN after your username and password, each time you log in.","removePinTitle":"Are you sure you want to remove your PIN?","removePinBody":"Once you remove your PIN, you will no longer be able to set it up. However, you will still have Email verification & Google Authenticator as option to keep your account secure.","removePinCompleted":"PIN code removed successfully"},"twoFactorAuth":{"title":"Two-factor authentication (2FA)","selectedMethod":"You have {{method}} 2FA method enabled.","disabledMessage":"You don't have 2FA enabled.","newRecoveryCodes":"<0>Generate new recovery codes.","setUpHeading":"Set up two-factor authentication (2FA)","setUpParagraph":"Set up 2FA to access a one-time passcode via your smart phone each time you log in.","setUpPreferedMethod":"Select your preferred method","sms":{"title":"2FA method: Text message verification","body":"We'll send a security code to this mobile number each time you log in.","twoFactorEnabled":"You have successfully switched your 2FA method","selectedLabel":"SMS"},"email":{"title":"Set up text message verification (SMS)","body":"This verification method will add an extra layer of protection to your account, making it harder for anyone else to access your details.","methodLabel":"Email verification","modalTitle":"You've set up two-factor authentication using your email","modalBody":"We'll request a verification code sent to your email each time you log in. ","tooltip":"When you setup email 2FA, we will request a verification code sent to your email each time you log in.","selectedLabel":"Email"},"google":{"titleNew":"2FA method: Authenticator app","body":"Each time you log in, you'll need to enter a security code from your app.","methodLabel":"Google Authenticator app","title":"Set up two-factor authentication (2FA) via the Google Authenticator app","paragraph":"Set up 2FA to access a one-time passcode via your smart phone each time you log in.","stepsLabel":"Follow three simple steps","step1":"1. Download the Google Authenticator app on your smart phone.","step2":"2. Open the app and press 'Scan a QR code' to scan the QR code below.","step3":"3. Enter the 6-digit verification code and press validate.","modalTitle":"You've set up two-factor authentication using the Google Authenticator app","modalBody":"We'll request a verification code from your google authenticator app each time you log in. ","verificationCode":"Verification code","tooltip":"When you setup Google 2FA, we will request a verification code from your Google authenticator app each time you log in.","qrCodeExpired":"QR code has expired","invalidCode":"Invalid code","selectedLabel":"Google"}},"mobileNominatedAccountSecurityCheck":{"title":"Security to change your nominated account","customerIntro":"Dear {{clientName}}","text":"In order for us to complete the nominated account change, we will need to conduct a security check. \n \n You have two options:
    You can reply to this email to let us know thte best time to call you back
    Alternativley you can call us directly during out opening hours
\n \n Our phone lines are open from 9:00 am to 5:30 pm every weekday on 02037458130 (option1).","messageLable":"You didn't request nominated account change?","messageBody":"if you didn't request to change your nominated account, please consider changeing your password and contact us Immediately","messageHelp":"If you need help with your nominated account change or have any questions, please get in touch with us at {{clientservices@flagstoneim.com}} \n \n Welcome again to Flagstone. \n \n Kind regards, \n \n Flagstone Client Services","email":"E: clientservices@flagstoneim.com","website":"W: clients.direct.flagstoneim.com"},"contactSupport":{"title":"Please contact our client service team","text":"Unfortunately you can't update your email address online without access to your current email account.\n\nTo change your email address please contact our client service team on"},"confirmSecurityCode":{"title":"Please enter your security code","text":"To protect your account, we have sent you a six-digit security code to your current email address.","didNotReceiveEmailTitle":"Didn't receive the security code email?","checkJunkFolder":"Please check your junk folder","resendEmail":"to resend email","stillHavingTrouble":"Still having trouble?","contactUs":"Contact us","clickHere":"Click here ","enterCode":"Enter code"},"confirmNewSecurityCode":{"title":"Please enter your new security code","text":"To make sure you gave us the right email address ,we have sent you a new six-digit security code to your new email address.","warningNotice":"Only after you verified your new email address we will complete the change."},"validateEmail":{"title":"Thanks, we are ready to change your email address","text":"Please enter your new email address and press next.","newEmailAddress":"New email address","confirmEmailAddress":"Confirm new email address","validationRules":{"validEmail":"Email address must be in a valid format","matchEmail":"Email addresses must match","required":"Email address is required"}},"recoveryCodes":{"modalTitle":"Generate new recovery codes?","modalBody":"Are you sure you want to generate new recovery codes? Generating a new set of recovery codes means your old codes won't work anymore.","title":"New recovery codes","heading":"Recovery codes","paragraph1":"If you are unable to access your phone or email you may need to use a recovery code. You can only use each code once.","paragraph2":"Please keep these codes somewhere safe and secure.","newCodes":"Your new recovery codes","ctaBack":"Back to security"},"validation":{"securityCode":"Security code is required"}},"apiErrors":{"changePhoneError":"Sorry, something went wrong. We are unable to complete phone number change.\n\nPlease try again or contact clientservices@flagstoneim.com","changeAddressError":"Sorry, something went wrong. We are unable to complete your address change.\n\nPlease try again or contact clientservices@flagstoneim.com","changeNominatedError":"Unable to submit change of bank detail {{publicClientReference}} - Change of Bank details"},"dialogs":{"cancelDialog":{"title":"Are you sure you want to cancel your account update?","text":"You will lose all unsaved changes if you confirm.","changeEmail":{"title":"Are you sure you want to cancel your email address update?","text":"You will need to start the process again if you confirm."},"cancelNominatedAccount":{"title":"Are you sure you want to cancel your nominated account change request?","text":"You will lose all unsaved changes if you confirm."}},"confirmationDialog":{"text":"We'll send you a confirmation email once we've verified and updated your details.\n\nIf you don't receive this email and have checked your junk folder, ","pleaseContactUs":"please contact us.","accountDetails":{"title":"We've received your request"},"address":{"title":"Thanks for updating your address","text":"You will receive an email shortly to confirm your address updates.\n\nIf you do not receive this email and have checked your junk folder, "},"changeEmail":{"title":"Thanks for updating your details","text":"We have sent an email to your old and to your new email address to confirm the changes.\n\nIf you do not receive these emails and have checked your junk folder, "},"ConfirmNominatedAccount":{"title":"We have received your change request and your new account details are being verified.","textLowRisk":"In order to complete this change, someone from our Client Services team will contact you within one working day on the next steps. \n\n Please note if we are unable to validate your details, we may request further information from you."}},"faqSurveyDialog":{"title":"FAQ feature coming soon","paragraph1":"To help you to save time, we want to make it easier for you to find answers to your questions by yourself.","paragraph2":"We are considering providing easy access to FAQs on all pages. The FAQs would be tailored to the information you're looking at on that page.","question":"Would this be useful?","instruction":"Please select an answer","buttonLabel":"Submit"}},"helpInfoBox":{"title":"We're here to help","helpCentre":{"text":"For support or general queries, please visit our <1>Help Centre","ariaLabel":"Help Centre (opens in a new tab)"},"liveChat":{"button":"Live Chat","text":"For support or general queries, please use our <1>Live Chat","ariaLabel":"Start a Live Chat"},"email":{"text":"For support or general queries, please email <1>{{supportEmail}}","ariaLabel":"Email {{supportEmail}} (opens in a new email window)"}}},"changePassword":{"title":"Change password","notification":"Please enter your current and new password and confirm.","currentPassword":"Current password","newPassword":"New password","repeatPassword":"Repeat new password","submit":"Confirm new password","cancel":"Cancel","success":"Password change success. You can now return to the Flagstone platform.","goHome":"My summary","newPasswordMatchesOldPassword":"New password must be different","genericError":"Sorry, we were unable to change your password. Please try again later."},"pendingTransfer":{"title":"Pending new account","accordion":{"singular":"You have {{numberOfAccounts}} pending transaction","plural":"You have {{numberOfAccounts}} pending transactions"}},"pendingTopUp":{"title":"Pending top-up"},"pendingWithdrawal":{"title":"Pending withdrawal"},"pendingAccountClosure":{"title":"Pending account closure"},"pendingWithdrawalCard":{"title":"Pending withdrawal","estimatedAmount":"Withdrawal amount","paymentDate":"Payment date"},"pendingAccountClosureCard":{"title":"Pending account closure","paymentAndClosureDate":"Payment and closure date","paymentClosureDate":"Payment closure date"},"pendingClosureCard":{"estimatedAmount":"Final interest","paymentDate":"Payment and closure date"},"pendingNewAccountCard":{"estimatedOpenDate":"Estimated open date"},"pendingTopUpCard":{"estimatedTopUpDate":"Estimated top-up date"},"pendingRollover":{"accordion":{"title":"Reserved for auto-rollover ({{numberOfPendingRollovers}})","titleWithRolloverAndSwitches":"My pending rollovers and switches ({{numberOfPendingRollovers}})"},"cancelModalTitle":"Confirm your switch cancellation","cancelModalDescription":"Once you confirm, we’ll cancel the request and your funds will stay where they are."},"pendingClosure":{"titleNotice":"Pending closure. You gave notice to close this account on {{creationDate}}. You should expect the full balance including future interest in your holding account by {{processingDate}}.","titleIA":"Pending closure. You instructed to close this account. You should expect the full balance including accrued interest in your holding account within two working days."},"depositAccounts":{"title":"My portfolio","sortLabels":{"sortBy":"Sort savings accounts by","dateOpened":"Date opened (first to last)","upcomingMaturity":"Upcoming maturity date"}},"cancelPendingTransfer":{"title":"Are you sure you want to cancel this pending transfer?","titleSuccess":"Your pending transfer has been successfully cancelled","apologiesTitle":"Apologies, we are unable to cancel your pending instruction.","content":"We will not process your instruction if you confirm.","success":"This is a confirmation that your cash deposit transfer to {{details}} has been cancelled at your request.","contact":"For any questions contact ","clientServicesEmail":"clientservices@flagstoneim.com","error":"error","cancelTransfer":"Cancel Transfer","apiErrors":{"genericWithRetry":"Sorry, we are unable to cancel your transfer. Please try again or contact","lockTimeWindowHasPassed":"We are sorry, but the cancellation cut-off time for your pending transfer to {{depositInfo}} has already passed. For any questions contact"},"emailSubject":{"success":"Pending transfer cancelled {{publicClientReference}} - Placing deposits","error":"Unable to cancel a pending deposit {{publicClientReference}} - Placing deposits"}},"cancelPendingTopUp":{"title":"Are you sure you want to cancel this pending top-up?","titleSuccess":"Your pending top-up has been successfully cancelled","success":"This is a confirmation that your cash deposit top-up to {{details}} has been cancelled at your request.","apiErrors":{"genericWithRetry":"Sorry, we are unable to cancel your top-up. Please try again or contact","lockTimeWindowHasPassed":"We are sorry, but the cancellation cut-off time for your pending top-up to {{depositInfo}} has already passed. For any questions contact"},"cancelTopUp":"CANCEL TOP UP"},"cancelClosure":{"title":"Confirm your switch cancellation","content":"Once you confirm, we'll cancel the request and your funds will stay where they are.","titleSuccess":"You’ve cancelled your request to close this account.","success":"Your request to close your {{details}} has been cancelled.","apologiesTitle":"We can’t cancel your request to close this account.","apiErrors":{"genericWithRetry":"Sorry, we are unable to cancel your request to close this account. Please try again or contact","lockTimeWindowHasPassed":"The cut-off time to cancel a request to close your {{depositInfo}} has already passed. For any questions contact"},"cancelClosure":"CANCEL CLOSURE"},"cancelPendingWithdrawal":{"title":"Are you sure you want to cancel your withdrawal from this account?","content":"If you cancel your request, your funds will stay in that account and you don’t need to take any further action.","titleSuccess":"You’ve cancelled your request to withdraw from this account.","success":"Your request to withdraw from your {{details}} has been cancelled.","apologiesTitle":"We can’t cancel your request to withdraw from this account.","cancelRequestionButton":"YES, CANCEL REQUEST","keepRequestButton":"NO, KEEP REQUEST","apiErrors":{"genericWithRetry":"Sorry, we are unable to cancel your request to withdraw from this account. Please try again or contact","lockTimeWindowHasPassed":"The cut-off time to cancel a request to withdraw from your {{depositInfo}} has already passed. For any questions contact"},"cancelWithdrawal":"CANCEL WITHDRAWAL"},"withdrawFunds":{"IsaWithdrawalWarningBanner":{"warning":"You can withdraw funds without it affecting your annual ISA allowance, as long as you replace the funds by April 5th {{endOfTaxYear}}.","learnMoreButton":"Learn More","modal":{"title":"Withdrawals from a Flexible Cash ISA","subTitle":"The Flagstone Cash ISA is a flexible Cash ISA. This means you can withdraw funds from it without affecting your annual ISA allowance.","copy":"

You can withdraw funds from your flexible Cash ISA without it affecting your annual ISA allowance, if you replace the funds within the same tax year (midnight 05 April {{endOfTaxYear}} GMT). If you don’t, you’ll lose your allowance for the amount you don’t replace.

Any interest earned while the funds are outside your ISA won’t be tax-free and may be subject to income tax.

To replace the funds, fund your ISA holding account in the same way you normally would from the ‘My ISA summary’ page.

","closeButton":"Done"}},"stepConfirmWithdrawalAmount":{"title":"1. Confirm withdrawal amount","paragraph1":"The available amount is your holding account balance less any pending transfers.","availableAmount":"Available withdrawal amount: ","paragraph2":"Withdrawal requests are typically processed the next working day.","inputLabel":"Withdrawal amount","withdrawalAmountPlaceholder":"Enter amount ({{currencySymbol}})","withdrawalAmountInputError":"The withdrawal amount can't be greater than the available balance in your holding account.","actionButton":"Next"},"stepConfirmNominatedAccount":{"withdrawalAmount":"1. Withdrawal amount:","nominatedAccountConfirmation":"2. Confirm nominated account details","paragraph1":"Any funds you withdraw from your holding account will go to your nominated account.","paragraph2":"If these details are incorrect, or you would like to change your nominated account, please email","editButton":"Edit amount","confirmButton":"Confirm and withdraw","tryAgainButton":"Try again","incorrectConfirmation":"The nominated account details have been entered incorrectly. Please carefully try again or email","accountNumberInputLabel":"Add the last 4 digits of your nominated account number","ibanInputLabel":"Add the last 4 digits of your nominated account IBAN","confirmModal":{"title":"Flexible Cash ISA withdrawal terms","copy":"

You can replace any funds you withdraw without affecting your annual ISA allowance, as long as you do this within the same tax year (by 05 April at 23:59 GMT). If you don’t, you’ll lose your allowance for any amount you don’t replace.

Any interest you earn on funds you take out of the ISA will not be tax-free.

","confirmButton":"Withdraw funds","outboundMessage":"

If you withdraw money after asking another ISA provider to transfer your Cash ISA, you may lose your ISA allowance for any amount you don’t replace before the transfer starts.

","cancelButton":"Cancel"}},"stepAcknowledgeWithdraw":{"thankYouMessage":"Thank you, ","withdrawalAcknowledgementPart1":"Your withdrawal request ({{amount}} to account {{accountNumber}}) has been received and will be processed ","withdrawalAcknowledgementPart2":"the next working day.","whatNext":"What will happen next?","infoMessage":"We will send you an email once your withdrawal has been processed.","mySummaryButton":"My summary"},"apiErrors":{"pollingTimeout":"Sorry, this is taking longer than expected.\nTry again or contact {{clientServicesEmail}}","genericWithdrawalError":"Sorry, we are unable to complete your withdrawal request to your nominated account at this time.\nPlease try again or contact {{clientServicesEmail}}"}},"userAccessManagement":{"pageTitle":"Access Management","loadError":"We couldn't load the users on this account. Please try again later.","table":{"columnName":"Name","columnAccess":"Access","columnAction":"Action","accessFullAdmin":"Full admin","accessAdmin":"Admin","accessReadOnly":"Read-only","accessNoAccess":"No access","actionAlreadyAdmin":"Already Admin","actionNotAdmin":"Not an admin","listCount":"Showing 1-{{shown}} of {{total}} users","noUsers":"There are no users on this account."}},"taxStatements":{"title":"Tax statements","date":"Date","type":"Type","taxYear":"Year {{year}}/{{nextYear}}","downloadFormat":"Download format","CertificateOfInterestPaid":"Certificate of interest paid","pdf":"PDF","downloadPDF":"Download PDF","noTaxInfo":"Not available yet","noTaxTooltip":"Your \"Certificate of interest paid\" will be available for you to download here, at the end of the tax year {{year}}/{{nextYear}}, once we have received all the relevant information from the banks that you held accounts with during the tax year. Typically, this will be ready within 6-8 weeks of the tax year end (April 6, {{nextYearLong}})."},"balanceStatements":{"date":"Date","type":"Transaction type","from":"From","to":"To","dateFrom":"Date from","dateTo":"Date to","amount":"Amount","holdingAccountBalance":"Holding account balance","holdingAccountBalancePrefix":"Holding account","holdingAccountBalanceSuffix":" balance","totalSavingsBalance":"Total savings ","totalSavingsBalanceSuffix":" account balance","totalPortfolioBalance":"Total portfolio ","totalPortfolioBalanceSuffix":" balance","show":"Show","summary":{"title":"Summary for the period:","portfolioAccountBalance":"Total portfolio balance","portfolioAccountBalanceDate":"( as at {{selectedToDate}} )","holdingAccountBalance":"Holding account balance","holdingAccountBalanceDate":"( as at {{selectedToDate}} )","totalSavingsAccountsBalance":"Total savings account balance","savingsAccountBalanceDate":"( as at {{selectedToDate}} )","totalInterestPaid":"Interest paid for period","totalInterestPaidDates":"( from {{selectedFromDate}} to {{selectedToDate}} )","totalInterestUnpaid":"Unpaid interest for period","totalInterestUnpaidDates":"( from {{selectedFromDate}} to {{selectedToDate}} )"},"showDetails":"See details"},"savingsAccountsStatements":{"pageTitle":"Savings accounts statements","pageDescription":"See the interest you’ve earned in the savings accounts you’ve opened.
You can filter by a single date.","date":"Date","dateFrom":"Date from","dateTo":"Date to","show":"Show","bank":"Bank","accountType":"Account type","accountStatusLabel":"Account status","accountStatusSubLabel":"(as at {{selectedToDate}})","unpaidInterest":"Unpaid interest","paidInterest":"Paid interest","savingsAccountsBalance":"Savings accounts balance","savingsAccountBalance":"Savings account balance","savingsAccountsBalanceSubLabel":"(as at {{selectedToDate}})","totalBalances":"Total balances","totalSavingsAccountsBalance":"Total savings accounts balance","holdingAccountBalance":"Holding account balance","totalPortfolioBalance":"Total portfolio balance","summaryFor":"Summary for ","dateRange":{"pageTitle":"Savings accounts","pageDescription":"See the interest you’ve earned in the savings accounts you’ve opened.
You can filter by a range of dates."},"accountStatus":{"open":"Active","closed":"Closed","pendingClosure":"Pending"},"summary":{"title":"Summary for the period:","holdingAccountBalance":"Holding account balance","holdingAccountBalanceDate":"(as at {{selectedToDate}})","totalSavingsAccountsBalance":"Total savings account balance","savingsAccountBalanceDate":"(as at {{selectedToDate}})","totalInterestPaid":"Total interest paid","totalInterestPaidDates":"(from {{selectedFromDate}} to {{selectedToDate}})","totalInterestUnpaid":"Total interest unpaid","totalInterestUnpaidDates":"(from {{selectedFromDate}} to {{selectedToDate}})"}},"statements":{"dateRangeMoreThanEighteenMonths":"The date range can't be longer than 18 months. Please select a shorter period.","invalidDateRange":"The start date can’t be after the end date. Please select a valid date range.","genericError":"Sorry, something went wrong. Please try again later.","noStatements":"No {{statementsType}} statements found for the selected period. Please choose an alternative date range."},"sharedStatements":{"downloadExcel":"Download Excel","downloadPdf":"Download PDF"},"WarningPage":{"heading":"Oops, something went wrong","paragraph1":"Sorry, it looks like we are having trouble connecting to the selected bank.","paragraph2":"Please try again later.","goBack":"GO BACK","footerLine1":"If it's still not working, please email us at ","footerLine2":" and we'll be happy to resolve the issue."},"ApiError":{"heading":"Apologies","subHeading":"We are unable to load your portfolio.","message":"Please reload this page or contact ","reloadPage":"Reload page"},"sessionExpired":{"heading":"Apologies","subHeading":"Your session has expired now.","message":"For security reasons you have been logged out.","signInAgain":"Sign in again"},"interestPaymentFrequency":{"AtMaturity":"Only at maturity","Annually":"Annually","Daily":"Daily","Weekly":"Weekly","Monthly":"Monthly","Specific":"Specific"},"nextInterestPayment":{"today":"Today","tomorrow":"Tomorrow"},"returnToHoldingAccount":{"closeAccountWarningTitleReturnPartBalance":"Are you sure? Your return request would result in the remaining balance to fall under the minimum deposit amount.","closeAccountWarningBody":"We close accounts which fall under the minimum deposit amount and transfer the remaining balance to your holding account.","closeAccountWarningTitleReturnFullBalance":"Withdraw the full balance and close the account?","closeAccountWarningClosureAmountsHeading":"We'll return these funds to you in 2 separate payments, in line with {{bankName}}'s terms.","closeAccountWarningClosureAmountsDisclaimer":"These are estimated figures - the amount you receive may differ by a small amount.","interestPaymentFrequencyLabel":"Interest payment frequency:","paymentTimelineHeading":"Payment timeline","returnFundsToHoldingTitle":"Return funds to your holding account?","balanceDue":"Balance due","balanceDueAndClosure":"Balance due and account closure","finalInterestAndClosure":"Final interest and account closure","totalDue":"Total due","confirmationHeadingIA":"Are you sure you want to return funds to your holding account?","confirmationHeadingNotice":"Are you sure you want to give notice and withdraw funds to your holding account?","warningMessageProcessTime":"Please note your funds will typically appear in your Holding Account, within two working days.","warningMessageNotice":"If you need urgent access to your cash within your notice period, please contact ","informationMessage":"You can return part or all of your funds to your holding account on the next screen.","loadingDialogTitle":"Processing withdrawal","loadingDialogFooter":"Please be patient. This may take a few moments."},"faq":{"surveyQuestion":"Has this answered your question?","surveyQuestionDetails":"Please tell us why not"},"reserve":{"promotedBankTitle":"Reserve a similar account at {{bankName}}:","rolloverHeading":"Accounts you might be interested in for your rollover","topUpExistingHeading":"Top up your existing account:","chooseNewAccountHeading":"Or, choose a new account to reserve from the table below:","reserveNowAction":"Reserve now"},"setupRolloverInfo":{"setupRolloverModalTitle":"New: Reserve an auto-rollover account for your maturing funds.","setupRolloverModalDescription":"Browse our latest rates and setup a rollover for your maturing deposits. Reserve one of our best rate savings accounts today to make sure you don’t miss out.","actionButton":"CONTINUE","FAQHowDoesItWork":"How does it work?","FAQCancelRollOver":"Can I cancel my rollover instructions?","FAQListItemOne":"You reserve a new savings account for auto-rollover in advance.","FAQListItemTwo":"When your fixed term deposit matures, your savings will automatically transferred to the “reserved” savings account.","FAQListItemThree":"Watch your interests grow further.","FAQCancelRollOverDescription":"You have until your existing savings account matures, to cancel or amend your rollover instructions."},"engagementLetterNotification":{"updateEngagementLetterHeading":"We have updated our Engagement Letter","updateEngagementLetterDetails":"To help our new clients to understand our fee structure better, we have made updates to our Engagement Letter.","reviewHeading":"Please review your updated Engagement Letter","feeModelChanges":"We wanted to let you know that we’ve made some changes to our fee model since you started your Flagstone application.","managementFeeExplanation":"Previously, the letter stated you would be on the Management Fee model (with a monthly management fee based on your total portfolio value).","interestReceived":"<0>Now, for each savings account you open through Flagstone, we receive a small <1>share of the interest.","interestReceivedBullets":["We deduct that share before we feature any savings account on our platform – so the rate you see will always be the rate you receive.","There are no management or administration fees on this model."],"feesAndCharges":"Please read the ‘Fees and charges’ section of your updated Engagement Letter to find out exactly what this means for you.","downloadEngagementLetter":"Please download ","downloadAndReadEngagementLetter":"and read our Engagement Letter carefully as it contains important information on your fees.","acceptEngagementLetterLabel":"I have read and agree to Flagstone’s Engagement Letter"},"v3EngagementLetterModal":{"title":"Our share of interest will increase","bodyLineOne":"

We’ve recently emailed you to let you know our share of the interest will be increasing from a maximum of 0.25% to a fixed 0.30% on our business accounts.

","bodyLineTwo":"Our Engagement Letter has been updated to reflect this change.","engagementLetterLinkText":"Please download","engagementLetterTextSuffix":" and confirm your agreement to our updated Engagement Letter before continuing to use Flagstone.","acceptCheckboxLabel":"I have read and agree to Flagstone’s updated Engagement Letter.","continueButton":"Continue"},"chooseFundingOption":{"title":"Choose funding option","termsAndConditionsPara1":"I agree to the Flagstone Terms and Conditions and acknowledge that the Third Party Bank Terms and Conditions form part of the agreement between Flagstone and the Third Party Bank and will apply to any deposit placed by Flagstone on my behalf.","termsAndConditionsPara2":"You should read these documents carefully and if you have any questions please contact Flagstone Client Services for further information.","accept":"I accept the","termsAndConditions":"Terms & Conditions","accordionFAQTitle1":"Can I cancel my rollover instructions?","accordionFAQBody1":"You have until your existing savings account matures, to cancel or amend your rollover instructions. You will be able to do this from your “My Summary” page.","accordionFAQTitle2":"What happens if the reserved account becomes unavailable?","accordionFAQBody2":"We will send you an email to inform you if your savings account is no longer available. You can decide to reserve to another top rate. Otherwise your matured funds will be returned to your holding account.","radioButton1":"Rollover all funds into the new savings account","detailsLabel1":"Rollover date","detailsLabel2":"Rollover deposit","detailsLabel3":"Maturity date","detailsLabel4":"Interest payment frequency","detailsLabel5":"Documents","detailsLabel6":"Opened","cancelRolloverModalTitle":"Are you sure you want to cancel your automatic rollover setup?","cancelRolloverModalBody":"You will lose all rollover details if you confirm.","allFundsRolloverRadioOption":"Rollover all funds into the new savings account ({{currentBalance}})","partialRolloverRadioOption":"Partial rollover","minimumPartialrolloverInformation":"{{currentBalance}} minimum required","fscsMaxPartialRolloverInformation":". To stay within the FSCS protection limit, you can deposit up to {{fscsMaxAmount}}.","partialRolloverAmountPlaceholder":"Enter amount ({{currencySymbol}})"},"reserveConfirmation":{"labelFrom":"From:","labelTo":"To:","labelRolloverAmount":"Rollover amount:","labelRolloverDate":"Rollover date:","valueRolloverDate":"Within two working days after {{date}}","labelAerGross":"(AER | Gross)","title":"Thank you, {{name}}","para1":"Your reservation and rollover instruction has been received.","para2":"Your rollover will be opened /within two working days/ after maturity of your current product.","subtitle":"What will happen next?","listItem1":"We will send you an email once the transfer has cleared","listItem2":"You can cancel or modify your reserved savings account up until your /current savings account reaches maturity ({{date}})/","ctaLabel":"My Summary"},"accountErrors":{"notificationMissing":"Notifications returned missing","unableToLoad":"Unable to load notifications"},"portfolioOptimiser":{"bannerText":"Optimise {{count}} of your instant access accounts","buttonText":"See options","title":"Optimise your Instant Access savings","description":"Compare and easily switch your Instant Access accounts to others available at Flagstone.","alert":"This is not financial advice. You decide what works best for your savings.","comparison":{"title":"2. Compare and switch to one of these:","controls":{"instantAccess":"Instant Access","fixedTerm":"Fixed Term","notice":"Notice"},"mobileControls":{"instantAccess":"Instant","fixedTerm":"Fixed"},"emptyState":{"title":"No accounts available to switch to for {{term}} right now.","subtitle":"Select another term above to explore available options."},"fitchRatingFilter":{"title":"Fitch Solutions (FICS)"},"mobileFilters":{"title":"Filters"},"fscsProtectionLimit":"Only show FSCS-protected accounts","sliderAction":"Switch to this account"},"accountSelection":{"step":"1.","title":"Choose an account to optimise"},"switchReview":{"title":"Switch from {{from}} to {{to}}","details":"You're requesting to transfer {{amount}} and any accrued interest.
This usually takes two working days to process. If the interest rate decreases during this time, we’ll email you.","reviewTitle":"How your money will move:","warning":"After you confirm your switch, you won’t be able to make any changes.","holdingAccount":"Holding account","successDisclaimerHeadline":"Your deposit could earn {{annualInterest}} in interest over 12 months at this rate.","successDisclaimerHeadlineWithPeriod":"Your deposit could earn {{interest}} in interest over {{termPeriod}} at this rate.","successDisclaimerBody":"This is not financial advice. Banks can change their rates at any time."},"fscsNotification":{"overLimit":"You have gone over the FSCS protection limit with this banking group through Flagstone.","atLimit":"You have reached the FSCS protection limit with this banking group through Flagstone.","remaining":"{{totalDeposited}} already invested in this banking group with Flagstone.
{{remainingProtection}} until you reach your FSCS protection limit."},"confirmation":{"pendingTransfer":"Pending transfer"},"switchConfirmation":{"title":"We're processing your switch request","transferringTo":"Transferring to:","whatHappensNext":{"title":"What happens next:","bullet1":"We'll start processing your switch straight away, so we can't make any changes to your transfer.","bullet2":"Your funds will return to your holding account and your {{currentBankName}} account will close.","bullet3":"We'll email you when we've transferred the funds into your {{targetBankName}} account.","timeframe":"This usually takes around 2 working days. You don't need to do anything else."},"apiError":"Sorry, something went wrong. Please try again. If the issue persists, please contact support.","returnToSummary":"Return to my summary"}},"inviteAndEarn":{"title":"Invite and earn","description":"Copy and share your unique link to invite someone to Flagstone.","cta":"Invite and earn","shareVia":"Or share it via:","email":"Email","whatsapp":"WhatsApp","scaleUpRewardsTitle":"Scale up your rewards","scaleUpRewardsDescription":"Unlock a gift card for each business who signs up and funds their account.","termsPrefix":"*Rewards are paid as per ","termsLink":"Terms and Conditions","inviteBusinessTab":"Invite a business","inviteFriendTab":"Invite a friend","friendRewardsTitle":"A reward for every connection","friendRewardsDescription":"Unlock a gift card for every friend who signs up and funds their account.","emailSubject":"Your invite to Flagstone","businessMessageBody":"Hi,\n\nI’ve been using Flagstone to diversify and grow my business cash – all within one place. I’d like to pass it on.\n\nIf you join using my link and fund your holding account with at least £100,000 within 30 days, we’ll both receive a gift card to spend at John Lewis, Ticketmaster and more.\n\nHere’s the link: {{invitationLink}}","friendMessageBody":"Hi,\n\nI’ve been using Flagstone to protect and grow my savings, and I think you'd find it useful too.\n\nIf you join using my link and deposit £10,000+ into a Fixed Term savings account (min. term 6 months) within 30 days, we'll both receive a £50 gift card to spend at John Lewis, Liberty, and more.\n\nHere’s the link: {{invitationLink}}","errors":{"missingAccountReference":"missing account reference","linkGenerationFailed":"Failed to create Invite & Earn link.","linkGenerationFailedWithReason":"Failed to create Invite & Earn link due to {{reason}}."},"giftCards":{"card1":{"title":"Gift card","locked":{"description":"After your first successful invitation","tag":"Locked"},"unlocked":{"description":"After your first successful invitation","tag":"Unlocked"},"earned":{"description":"After your first successful invitation","tag":"Earned"}},"card2":{"title":"Gift card","locked":{"description":"After your second successful invitation","tag":"Locked"},"unlocked":{"description":"After your second successful invitation","tag":"Unlocked"},"earned":{"description":"After your second successful invitation","tag":"Earned"}},"card3":{"title":"Gift card","locked":{"description":"After your third and all other successful invitations","tag":"Locked"},"unlocked":{"description":"After your third and all other successful invitations","tag":"Unlocked"},"earned":{"description":"After your third and all other successful invitations","tag":"Earned"}}},"friendGiftCard":{"title":"Gift card","description":"After every successful invitation"},"howItWorksTitle":"How it works","howItWorks":{"shareTitle":"Share your link","shareDescription":"The business you invite must sign up using this link, so that you both can get your rewards.","signupTitle":"They sign up and fund","signupDescription":"Within 30 days of joining, they’ll need to fund their holding account with £100,000 minimum.","receiveTitle":"Receive your gift cards","receiveDescription":"We’ll email you a gift card, and the person you invited will get a £100 gift card as well."},"friendHowItWorks":{"shareTitle":"Share your link","shareDescription":"Your friend needs to join Flagstone using your unique invite link.","signupTitle":"Your friend funds and deposits","signupDescription":"They fund their holding account, and deposit £10,000+ into a Fixed Term savings account (min. term 6 months) within 30 days.","receiveTitle":"Receive your gift cards","receiveDescription":"We’ll email you both a £50 gift card within 24 hours to spend at John Lewis, Ticketmaster, and more."}},"helpCentre":{"navLinkText":"Help centre","faqLinkText":"Can't find what you're looking for? Go to","needHelpText":"Need help?","goToText":"Go to our","popupTextDesktop1":"Get help faster by visiting our new Help Centre.","popupTextDesktop2":"Click 'Help Centre' to continue","popupTextMobile1":"Introducing our new Help Centre feature, designed to make finding the answers you need easy.","popupTextMobile2":"Click on the menu to find it."},"navigation":{"accountType":{"isa":"Cash ISA","savings":"Savings"},"changesTooltip":{"title":"Welcome to the improved Flagstone","description":"We've made it easier for you to manage your Flagstone account by consolidating how you navigate around the platform.","buttons":{"close":"Got it","dontShowAgain":"Don't show again"}},"profileMenu":{"accountSettings":"Account settings","accessManagement":"Access Management","addFunds":"Add funds","withdrawFunds":"Withdraw funds","cashIsa":"Cash ISA","switchAccounts":"Switch Account"},"isaMenu":{"myIsaSummary":"My ISA summary","placeIsaDeposits":"Place ISA deposits","balanceStatements":"Balance statements","taxFreeAccounts":"Tax-free accounts","isaStatements":"ISA statements","portfolioTools":"Portfolio tools","fscsTracker":"FSCS tracker","cashflowTracker":"Cash flow tracker"},"portfolioMenuIsaHighlight":{"title":"Your Cash ISA portfolio","description":"You can switch to/from your Cash ISA portfolio by using our new portfolio menu.","buttons":{"action":"I understand"}},"foreignCurrencyHighlighter":{"eyebrowText":"New","title":"More currencies, one place.","description":"Switch between your portfolios and explore new currencies.","buttons":{"action":"Ok, I understand"}}},"foreignExchange":{"general":{"rate":"Rate","settlementDate":"Settlement Date"},"execution":{"title":"Execute FX in global currencies","info":"Exchange your funds in leading global currencies, quickly, cost-effectively and place funds in international deposits.","howItWorks":{"title":"How it works","subtitle1":"How to execute an FX Exchange?","subtitle2":"How to withdraw international cash?","howtoExecuteFXSteps":["1. Select your sell and buy currencies.","2. Type in the value you wish to exchange.","3. Review and confirm the exchange rate."],"howToWithdrawInternationalCashSteps":["You can use the withdrawal feature in the relevant account menu if you already have a Nominated Account in the currency you have bought which is linked to your Flagstone account.","If a Nominated Account in the currency you have bought is not already linked to your Flagstone account you can request client services to link it for you by emailing – cs@flagstoneinternational.com Please note, you will need to provide evidence of the Nominated Account in order for our client services team to do this for you."],"transfer":"We automatically transfer the exchanged cash into a Holding Account in the currency you have bought."},"convertFrom":"Convert from","convertTo":"Convert to","getQuote":"Get Quote","availableToExchange":"available to exchange","amountPlaceHolder":"Enter","buy":"Buy","sell":"Sell","calloutMessage1":"At the next step you can preview the live FX rate.","calloutMessage2":"The live rate will expire after 30 seconds.","warningMessage":"Please note the exchange rate shown above is not confirmed and is shown for indicative purposes only.","exchangeAmountInputError":"Insufficient funds - only","indicativeRate":"Indicative Rate"},"reviewOrder":{"title":"Review execution","expiryMessage":"This exchange rate will expire after 30 seconds.","calloutMessage":"Once you click 'Accept', you cannot cancel the transaction.","tooltipMessage":"This is how much you'll receive once your exchange completes."},"rateExpired":{"title":"The exchange rate has expired.","info":"For the latest rate, use the button below."},"transactionProcessing":{"title":"Processing your transaction","loaderMessage":"Sending your instruction"},"transactionProcessingIssue":{"title":"We couldn't process your transaction","info":"Please go back and try again.","persist":"If the problem persist, please contact ","clientServicesEmail":"cs@flagstoneinternational.com"},"transactionSummary":{"title":"Thank you,","info":"We have executed your instruction. Your exchanged funds will land in your relevant Holding Account once settled.","next":"What will happen next?","whatHappensNext":["1. We’ll send you a confirmation email with full details of your FX Exchange.","2. We’ll transfer the exchanged funds to your relevant currency Holding Account.","3. Once your exchanged funds have arrived into your Holding Account, you can give a deposit instruction and start earning interest."]}},"newProductVersionAvailable":{"labelTextSummary":"Higher rate available. {{bankName}} just released a new version of this account, with a higher interest rate. ","labelLinkTextSummary":"How can I switch?","labelTextDeposits":"You have {{amount}} in an old version of this account. ","labelLinkTextDeposits":"Here's how to switch to the new rate","labelLinkTextOptimiser":"Switch to the higher rate","modalTitle":"Switch to a higher interest rate, in three steps: ","modalStep1":"Withdraw all funds from your existing {{bankName}} {{termType}} savings account to close it.","modalStep2IA":"Wait for the funds to return to your Flagstone holding account (up to 2 working days).","modalStep2Notice":"Wait for the funds to return to your Flagstone holding account (up to two working days from when the notice period ends).","modalStep3":"Go to 'Place deposit' and choose the new {{bankName}} {{termType}} savings account.","modalDisclaimer":"Please note that the rates on our platform change daily, so the new rate may not be available once your funds return to your Flagstone holding account.","modalFaqTitle1":"Why don't I get the new rate automatically?","modalFaqBody1":"This is a new {{termType}} savings account from {{bankName}}, so you'll need to follow the usual process for opening a savings account.","modalFaqTitle2":"Why do I need to close my existing savings account with {{bankName}}?","modalFaqBody2":"{{bankName}} doesn't let Flagstone clients open more than one {{termType}} savings account with them.

That means you'll need to close the old version, before you can enjoy the new, higher interest rate.","modalFaqTitle3":"How do I close my {{termType}} savings account?","modalFaqBody3":"You'll need to withdraw all the funds in your {{bankName}} {{termType}} savings account. This will close the savings account automatically.

If you only withdraw some of the funds, the savings account won't close, and you won't be able to access the new, higher rate."},"holdingAccountDetails":{"bank":"Bank:","sortCode":"Sort code:","accountNumber":"Account number:","reference":"Reference:"},"holdingAccountChangeDialog":{"title":"Important: New Flagstone bank details for funding your holding account","blurb":"To speed up your transactions, we've changed holding account providers for the new platform. Please use the new details below to fund your holding account.","subtitle":"Your new holding account details","warning":"Please only use the new Flagstone bank details to avoid funding delays."},"welcomeGate":{"title":"The new Flagstone: all you need to know","newHoldingAccount":{"title":"New holding account details","content1":"A new Flagstone comes with a new holding account. When funding your account from now on, please use the following details:","content2":"If you have the old details saved in your online banking app, we suggest you change them now.","content3":"If you happen to send funds to the old details, don't worry. We'll return those funds to you."},"fasterFeatures":{"title":"Faster feature launches","content":"On the new platform, we can bring new features to life in a fraction of the time. And, with all sorts of launches incoming, your Flagstone experience will soon be more rewarding than ever."},"newNavigation":{"title":"New navigation","content":"We've made it easier for you manage your Flagstone account, by consolidating how you navigate around the platform. You'll now be able to change your account details, add funds, and withdraw, all in one place. Simply click your initials in the top right of the platform, and watch your options unfold."},"newModel":{"title":"What is the new model?","content1":"For each savings account you open through Flagstone, we receive a small share of the interest.","content2":"We deduct that share before we feature any savings account on our platform – so the rate you see will always be the rate you receive.","content3":"To illustrate how it works, here's a quick example:","content4":"Say one of our partner banks wants to add a new savings account to our platform. The Gross interest rate on that account is 3.25%.","content5":"We'll receive a small share of that interest (say 0.25%*), and display the net rate on our platform. In this instance:","content6":" - You receive a net rate of 3.00% (3.25% minus 0.25%)","content7":" - Flagstone receives 0.25%","content8":"*Our maximum share of interest is 0.25%. For some accounts, it may be lower. For more answers about how we receive share of interest, explore our FAQs."},"payMore":{"title":"Will I pay more to use Flagstone?","content1":"No. Our maximum share of interest on any savings account is 0.25% – the same rate you currently pay in management fees. So you won't pay any more for access to Flagstone.","content2":"In some cases, our share of interest may be lower than 0.25%. So, not only will you not pay more, but you may pay less for certain savings accounts."},"whatBenefits":{"title":"What are the benefits?","content1":"The new model has two primary benefits:","content2":"1. Deposit all your funds","content3":"Previously, we held a portion of your funds in reserve to cover your management fees. This cash didn't earn you any interest.","content4":"But now, since you won't pay any management fees, there's no need for the reserve. So you can deposit all your funds, earn interest on every penny, and maximise your returns.","content5":"2. Tax efficiency","content6":"Under our previous model, you were liable to pay tax on all interest earnings above your personal allowance. And then pay Flagstone's fees on top of that.","content7":"Now, though, we receive our share of the interest before you earn any interest. This reduces your overall tax liability.","content8":"See tax example"},"whatHappens":{"title":"What happens to my existing savings accounts?","content1":"You won't pay any more for your existing savings accounts.","content2":"While our Share of Interest model will apply – so the rates you see in the platform will drop slightly – our share of interest on these accounts will match the rate you currently pay in fees.","content3":"So, in effect, there will be no change."},"ctas":{"goToPlatform":"Go to platform"},"howItWorksIllustration":{"bank":{"label":"Bank","value":"3.25% (Gross)"},"flagstone":{"label":"Flagstone","value":"0.25% Share of Interest"},"you":{"label":"You","value":"3.00% (Net)"}}},"historicBalanceStatements":{"title":"See <0>older statements before {{migratedDate}}.","modalTitle":"Older statements before {{migratedDate}}","modalSubTitle":"See your older statements before we moved you to the new fee model.","blurb":"We are unable to display balance statements before {{migratedDate}} but you can download them below.","statementItem":{"dateLabel":"Date","typeLabel":"Type","actionLabel":"Download format","type":"Download","actionMobile":"PDF","actionTablet":"Download PDF"}},"taxCalculationDialog":{"title":"Comparing the after-tax impact of the new share of interest model","subtitle":"Interest example calculation","oldModelTitle":"Old Fee Reserve model","newModelTitle":"New Share of Interest model","amountSent":{"label":"Amount sent to holding account","oldValue":"£500,000.00","newValue":"£500,000.00"},"lessFee":{"label":"Less fee reserve","oldValue":"-£1,250.00","newValue":"£0"},"amountInvested":{"label":"Amount invested","oldValue":"£498,750.00","newValue":"£500,000.00"},"interestRate":{"label":"Interest rate","oldValue":"4.50%","newValue":"4.25%"},"annualInterest":{"label":"Annual interest income","oldValue":"£22,443.75","newValue":"£21,250.00"},"lessIncomeTax":{"label":"Less income tax","oldValue":"-£8,977.50","newValue":"-£8,500.00"},"managementFee":{"label":"Management fee","oldValue":"-£1,250.00","newValue":"£0"},"afterTaxReturn":{"label":"After-tax return","oldValue":"£12,216.25","newValue":"£12,750.00"},"effectiveAfterTaxInterestRate":{"label":"Effective after-tax interest rate","oldValue":"2.44%","newValue":"2.55%"},"references":{"reference1":"(1) Management fee reserve for client with 0.25% annual management fee.","reference2":"(2) Interest rate is 0.25% lower to reflect maximum Flagstone Share of Interest.","reference3":"(3) Reflects income tax on interest income for higher rate tax payer at 40%. Excluding personal savings allowance."},"additionalInfo":{"note1":"Additional after-tax interest to higher rate taxpayer under new share of interest model =","note2":"For basic-rate 20% tax payer, the additional interest would be","note3":"This calculation is for informational purposes only – it is not tax advice. To understand the full tax implications for you, we recommend consulting your tax advisors."}},"newFeeModelDialog":{"title":"Example interest calculation","subtitle":"Savings account, £50,000.00, fixed 12 months, at maturity","oldModel":{"title":"Interest calculation with our old Fee Reserve model","interestRate":"Interest rate (gross of fees)","interestRateValue":"5.38% | 5.38% (AER | Gross)","interestDuringPeriod":"Interest during this period","interestDuringPeriodValue":"£2,763.47","fees":"Fees (0.25%) collected from fee reserve","feesValue":"-£131.73","feesLegend":"(1) This calculation is for informational purposes - we'll still receive the same percentage you currently pay in fees (in line with what's in your Engagement Letter).","netInterest":"Net interest","netInterestValue":"£2,631.74"},"newModel":{"title":"Interest calculation with our new Share of Interest model","interestRate":"Interest rate (net of any fees)","interestRateValue":"5.13% | 5.13% (AER | Gross)","interestDuringPeriod":"Interest during this period","interestDuringPeriodValue":"£2,631.74","netInterest":"Net interest","netInterestValue":"£2,631.74","info":{"bullet1":"There is <1>no fee reserve on the new share of interest model.","bullet2":"Your net interest rate will be the same, despite the interest rate displaying lower than it was on the previous fee model."}}},"foreignCurrencySetup":{"start":{"heading":"Set up your {{currency}} nominated account","title":"Connect your account to start earning interest","body1":"This must be a current account based in the UK mainland that holds, sends, and receives {{currency}}.","currency":{"USD":"US dollars","EUR":"euros"},"body2":"You’ll just need your bank details. We may also ask for a recent bank statement as well.","timeEstimate":"Usually takes 2 minutes","startButton":"Start"},"details":{"heading":"Set up your {{currency}} nominated account","title":"Your bank details","labels":{"accountName":"Name on the account","accountNameSubLabel":"Enter the name exactly as it appears on your bank statement","bankName":"Bank name","bankNameSubLabel":"This must be a UK mainland bank that sends, receives and holds {{currency}}.","iban":"IBAN","ibanSubLabel":"Starts with 2 letters followed by 20 characters.","ibanPlaceholder":"e.g. GB29 NWBK 6016 1331 9268 19","bic":"SWIFT/BIC code","bicSubLabel":"8 or 11 character code that identifies your bank internationally.","bicPlaceholder":"e.g. BARCGB22"},"currentAccountConfirmationLabel":"I confirm this is a current account based in the UK mainland that holds, sends, and receives {{currency}}.","unsupportedCurrencyWarning":"If you fund from an account in a different currency, your bank may charge a foreign exchange fee, even if we return the payment. We may also pass on any charges we incur as a result.","submitButton":"Confirm details","errors":{"accountNameRequired":"Enter the name on the account to continue","accountNameMaxLength":"Account name must be 200 characters or fewer","bankNameRequired":"Enter bank name to continue","bankNameMaxLength":"Bank name must be 200 characters or fewer","ibanRequired":"Enter IBAN details to continue","ibanInvalid":"Enter a valid GB IBAN","bicRequired":"Enter SWIFT/BIC code to continue","bicInvalid":"Enter a valid SWIFT/BIC code"}},"checking":{"heading":"Set up your {{currency}} nominated account","title":"Checking your details","body":"This can take a few minutes"},"complete":{"heading":"Set up your {{currency}} savings","title":"Your {{currency}} savings portfolio is ready","body":"We’ve confirmed your bank details. You can now add funds to your {{currency}} holding account.","addFundsButton":"Add funds","goToSummaryButton":"Go to My Summary"}},"feeReserveReleasedDialog":{"noActiveDeposits":{"title":"We've returned your fee reserve","accordion1":{"title":"Why have you returned the fee reserve to my holding account?","body1":"We previously reserved a portion of your funds to cover our annual management fees.","body2":"On the new fee model, we don’t charge annual management fees – so we've returned what's left of your fee reserve to your holding account.","body3":"For multi-currency portfolios, we’ll return what’s left of your fee reserve to the respective holding accounts."},"accordion2":{"title":"What is the new fee model?","body1":"Rather than charge an annual management fee, we'll receive a small share of the interest (up to 0.25%) on all new savings accounts you open through Flagstone.","body2":"We deduct that share before we feature any savings account on our platform – so the rate you see will always be the rate you receive.","body3":"This share will be the same percentage you paid in management fees, so you won’t pay any more on the new fee model."}},"activeDeposits":{"title":"About our new fee model","accordion1":{"title":"What's changed","body1":"Previously, we charged an annual management fee based on the total value of your portfolio.","body2":"But, because we had to hold some of your cash in reserve to pay that fee, it meant you couldn't deposit all your available cash into savings accounts.","body3":"With our new fee model, though, we don't charge any annual management fees – so there's no need for a fee reserve. Instead, we take a small share of the interest on each savings account you open through Flagstone.","body4":"Our share will be the same as the percentage you previously paid in management fees. So you won't pay any more for your access to Flagstone.","body5":"We deduct that share before we feature any savings account on our platform – so the rate you see will always be the rate you receive."},"accordion2":{"title":"How does it work?","body1":"Say one of our partner banks wants to add a new savings account to our platform. The Gross interest rate on that account is 4.5%.","body2":"We'll receive a small share of that interest (say 0.25%), and display the Net rate on our platform. In this instance:","body3":"You receive a Net rate of 4.25% (4.5% minus 0.25%)","body4":"Flagstone receives 0.25%","body5":"This does mean that you'll see slightly lower interest rates on the platform from now on, to account for our share of interest."},"accordion3":{"title":"What happens to the cash in my fee reserve?","body1":"Because we'll no longer charge you any monthly management fees, there's no need to keep any of your cash in reserve.","body2":"That's why we've returned what's left of your fee reserve to your holding account."}}},"nonPooledProduct":{"banner":{"text":"You can no longer top up on this savings account.","cta":"Learn More"},"modal":{"title":"Changes to this savings account","para1":"We recently changed how we handle payments between us and the banks.","para2":"This savings account isn’t set up for this new process, so we’ve made some changes to how it works.","subtitle1":"What has changed?","para3":"You will no longer be able to top up on this savings account, but you can still:","bullet1":"earn interest on the deposits you’ve made to date","bullet2":"get full FSCS protection on your eligible deposits","bullet3":"move your cash to other accounts on the platform","bullet4":"withdraw your funds","para4":"You may receive interest payments more often from these savings accounts – but don’t worry, the amount of interest will stay the same.","subtitle2":"How do I transfer funds to another savings account?","num1":"Withdraw all funds from your existing savings account to close it.","num2":"Wait for the funds to return to your holding account (up to 2 working days).","num3":"Go to ‘Place deposits’ and choose the new savings account you would like to deposit funds into.","cta":"Browse Rates"}},"earlyAccess":{"selectionPage":{"buttonText":"Back to rates","title":"Preview our rates.
Open a Flagstone account to access them.","subTitleP1":"These rates may vary, based on your circumstances, market conditions, and type of Flagstone account you open.","subTitleP2":"We update this table daily, so rates and banks may change. We’ve already deducted our share of the interest from these rates."},"buildYourSamplePortfolioPage":{"buttonText":"back to rates","title":"Build a sample portfolio to see how you could protect & grow your cash.","subTitle":"Add as many savings accounts as you like to see your estimated annual interest, average interest, and FSCS eligibility.","titlePhase1":"Choose your rates","subtitlePhase1":"Add savings accounts and see your annual interest and FSCS eligibility, no commitment.","warningP1":"The rates you’ll see in the platform may vary, depending on your circumstances, market conditions and whether you join Flagstone via our partners.","warningP2":{"text":"We update this table daily, so rates and banks may change. We’ve already deducted our <0>share of the interest from these rates.","linkLabel":"share of the interest"},"savingsBasketDropdown":{"title":"Your selection","productCount":"({{productCount}})","productCard":{"interestRate":"{{aer}} | {{gross}}","interestRateLabel":"Rate (AER | Gross)","termLabel":"Term"},"guidancePanel":{"title":"How much could you earn?","supportingText":"Go to your selection and enter your deposit amount to see how much interest you could earn."},"emptyState":{"title":"You haven’t chosen any rates yet","supportingText":"Select rates to see how much interest you could earn with your deposits."},"seeSavingsBasketCta":"See my selection"}},"estimateDeposit":{"title":"Enter your estimated deposits","subTitle":"This is only a sample portfolio. To open savings accounts and build a real portfolio,\n you’ll need to join Flagstone first.","titlePhase1":"Enter your deposit amount","subTitlePhase1":"This sample portfolio shows what interest you could earn with your deposit when you join Flagstone.\u00A0You can change your selection at any time."},"summaryPage":{"title":"Your sample portfolio, summarised","subTitle":"See your projected annual interest, FSCS protection, and total portfolio value.","savingsAccounts":"Savings Accounts","chiliPiperModal":{"modalTitle":"Speak to the team","submitButton":"Submit"},"sendEmailModal":{"sendEmail":"send email","apiError":"Something went wrong. Please try again.","emailSentMessage":"If you can’t see it in your inbox, check your spam folder.","sendEmailTitle":"Send your sample portfolio to your email","emailSentTitle":"We’ve sent your sample portfolio to your email.","fields":{"firstName":"First name","lastName":"Last name","email":"Email","phoneNumber":"Phone number","marketing":"I'd like to receive occasional emails from Flagstone about similar products and services."}}},"summaryBox":{"title":"Summary","totalDeposit":"Total deposit","estimatedInterest":"Estimated interest earned in one year","averageInterest":"Average interest across accounts (AER | Gross)","fscsCover":"FSCS protection eligibility","joinButton":"JOIN FLAGSTONE","percent":"%","fscsWarning":"Deposit not fully eligible","depositWarning":"{{minimumAmount}} minimum","ratesMessage":"Rates on the platform are subject to availability and eligibility.","showSummary":"Show summary","hideSummary":"Hide summary","emailSamplePortfolio":"Email my sample portfolio","emailSamplePortfolioPhase1":"Email my selection","speakWithUs":"Speak with us now"},"homeButton":"Go To Homepage","openAccountButton":"Join Flagstone","openAccountButtonMobile":"Join","portfolioWarning":{"title":"You haven’t built your sample portfolio yet","body":"Add savings accounts to see your estimated annual interest, average interest, and FSCS eligibility.","linkText":"ADD SAVINGS ACCOUNTS"},"faq":{"title":"Frequently Asked questions","faq1":{"title":"What is AER/Gross rates?","paragraph1":{"highlighted":"AER (Annual Equivalent Rate) ","nonHighlighted":"helps you to understand the amount of interest you could earn over a year. It's worked out using a formula that includes compound interest. It accounts for any interest you earn on your savings, as well as the interest earned on interest you've already been paid."},"paragraph2":{"highlighted":"Gross ","nonHighlighted":"is the flat interest rate you earn before any tax has been deducted, not including any interest you’ve been paid since you opened the savings account."}},"faq2":{"title":"Are the rates I see now guaranteed?","paragraph1":"No. Interest rates will only be guaranteed once your deposit has cleared in a savings account.\u00A0","paragraph2":"The rates you see may vary, depending on your personal circumstances, market conditions, or the type of Flagstone account you open."},"faq3":{"title":"How do I open savings accounts with Flagstone?","paragraph1":{"highlighted":"1. Apply for your Flagstone account: ","nonHighlighted":"Start your guided application in just five minutes."},"paragraph2":{"highlighted":"2. Fund your holding account: ","nonHighlighted":"We hold your cash in an FSCS eligible HSBC account. You maintain 24/7 access."},"paragraph3":{"highlighted":"3. Open savings accounts: ","nonHighlighted":"Deposit your cash into as many savings accounts as you like, with multiple banks – all through Flagstone."}},"faq4":{"title":"When can I withdraw my funds?","paragraph1":"This will depend on the term of the account:","paragraph2":{"highlighted":"• Instant Access: ","nonHighlighted":"You can withdraw your funds whenever you need to."},"paragraph3":{"highlighted":"• Fixed Term: ","nonHighlighted":"You can withdraw your funds when the fixed term ends."},"paragraph4":{"highlighted":"• Notice: ","nonHighlighted":"You can withdraw your funds after you’ve given notice to do this in line with the terms of the savings account. For example, 32 or 95 days notice."},"paragraph5":"When your funds are in the holding account, you can withdraw them at any time."},"faq5":{"title":"How does Flagstone make money?","paragraph1":"For each savings account you open through Flagstone, we receive a small share of the interest (up to 0.30%). We deduct that share before we feature any savings account on our platform – so the rate you see will always be the rate you receive.","paragraph2":"Learn more about how our share of the interest works for individual and joint accounts."}},"warningInfo":{"header":"Important to know","ratesHeader":"Rates changes","ratesBodyPart1":"These rates are correct as of {{date}}. We update our rates {{updateRate}}.","ratesBodyPart2":"Different banks, accounts, and rates will be available to you on the platform depending on whether you’re looking to open an individual or joint account, or acting on behalf of a business, charity, trust, SIPP, or SSAS.","updateRate":"daily","interestHeader":"Paying your interest","interestBody":"For Fixed Term, Instant Access, and Notice accounts, interest is calculated daily, but the frequency of when the interest is paid will vary by savings account. You’ll find more information in the Terms & Conditions of each savings account when you log in to the platform."},"stickyBasketMessage":"Next, enter your estimated deposits","stickyBasketTooltip":" added to your sample portfolio.","clientTypeSelector":{"label":"I'm joining Flagstone as a:","options":{"individual":{"id":"0","title":"Individual client","text":"Access 200+ savings accounts to protect and grow your cash."},"joint":{"id":"1","title":"Joint client","text":"Save together and access +200 savings accounts to protect and grow your cash."},"corporate":{"id":"2","title":"Business client","text":"Access 100+ savings accounts and protect and grow your business cash."}},"footerNotes":{"paragraph1":"See our rates if you’re a <0>business or <1> charity client.","paragraph1OnlyCharity":"See our rates if you’re a <0> charity client.","paragraph2":"Please <0>contact us if you’re a SIPP, SSAS, or trust client."}},"externalPaths":{"corporate":"business/","direct":"personal/","charity":"charity/","shareOfInterest":"how-flagstone-makes-money/","ourLatestInterestRates":"our-latest-banks-and-interest-rates/","contact":"contact/"}},"accountSummaries":{"title":"Welcome back","subtitle":"Here’s a summary of the accounts you have with Flagstone.","accountReference":"Account reference:","accountSelectedNotificationMessage":"You have selected","portfolioValue":"Portfolio value:","noFundedPortfolio":"No funded portfolio"},"myPortfolio":{"switchAccounts":"switch accounts","accountSelectedNotificationMessage":"You have selected"},"BCOB":{"notificationSlot":{"upcomingRateChange":"From {{date}}, the interest rate will go down to {{aer}} | {{rate}} (AER/Gross)"}},"periodicReview":{"banner":{"pending":{"title":"Please confirm your details by {{dueDate}}","message":"Please review the details we hold for you and confirm they’re accurate. This is a legal requirement to help keep your Flagstone account and our platform secure. It should only take a couple of minutes.","cta":"Review my details"},"restricted":{"title":"Account restricted - please take action","message":"We've temporarily restricted you from adding funds, placing new deposits, and making withdrawals. To lift the restriction, please review the details we hold for you and confirm they're accurate. This is a legal requirement to help keep your account and our platform safe.","cta":"Review my details"}},"layout":{"heading":"Confirm your details","entityHeading":"Confirm your business details","footer":"We protect your data with industry-leading Transport Layer Security (TLS)"},"beforeYouBegin":{"individual":{"heading":"Before you begin","text1":"You’ll need to confirm details about yourself, including:","list":["name and phone number","current address","employment","tax status"],"text2":{"heading":"Why do I need to confirm my details?","text":"We ask for this information to meet legal requirements and to help keep your account and our platform secure."},"text3":{"heading":"Can I save my progress?","text":"Yes, your progress will save automatically. You can return to this form anytime by clicking the reminder in 'My summary'."},"cta":"Start"},"entities":{"heading":"Before you begin","text1":"You’ll need to confirm details about your business and its key people, including:","list":["name and phone number","current address","employment","tax status","nominated account","business registered address"],"text2":{"heading":"Why do I need to confirm my details?","text":"We ask for this information to meet legal requirements and to help keep your account and our platform secure."},"text3":{"heading":"Can I save my progress?","text":"Yes, your progress will save automatically. You can return to this form anytime by clicking the reminder in 'My summary'."},"checkboxLabel":"I confirm I'm authorised to act on behalf of my business","cta":"Start"}},"tasks":{"InformationPending":{"heading":"Confirm your business details","subHeading":"<1>Please check that the details for your business and key people are correct.<1>You can add or remove people below if needed. When you’ve finished reviewing all sections, click 'Submit' at the bottom of the page.","tasksComplete":"{{completedTasks}}/{{numberOfTasks}} tasks complete","businessDetails":{"label":"Business details","description":"Review details such as your business’s registered address and nominated account."},"keyPeople":{"label":"Key people","description":"Review details such as their residential address, employment details, and residency."},"buttons":{"cta":"Review","removeThisPerson":"Remove this person","addAnotherKeyPerson":"Add another key person","submit":"Confirm","tooltip":"The primary account holder cannot be removed."},"tags":{"pending":"Needs review","completed":"Reviewed"},"removeKeyPersonModal":{"title":"Remove {{name}}?","confirm":"Yes, remove","cancel":"Cancel","message":"Please only remove {{name}} if they are no longer involved in the business.","tryAgain":"Try again","apiError":"Something went wrong. Please try again."},"apiError":"Something went wrong. Please try again."},"DocumentsRequired":{"heading":"Key documents for {{businessName}}","subHeading":"<1>Please upload the relevant documentation on behalf of your business.","tasksComplete":"{{completedTasks}}/{{numberOfTasks}} sections complete","businessDetails":{"label":"Business details","description":"Please upload a {{documentTypes}}"},"keyPeople":{"label":"Key people","description":"Please upload a {{documentTypes}}"},"buttons":{"cta":"Start","submit":"Submit"},"tags":{"pending":"Documents required","completed":"Complete"},"callout":"All sections need to be complete before we can review any documents.","documentTypesDescriptions":{"ProofOfIdentity":"proof of identity","ProofOfAddress":"proof of address","BankVerification":"bank statement"},"apiError":"Something went wrong. Please try again."}},"individual":{"heading":"Confirm your details","confirm":"Confirm","apiError":"Something went wrong. Please try again."},"businessDetails":{"heading":"Confirm business details","confirm":"Confirm","apiError":"Something went wrong. Please try again."},"keyPersonDetails":{"heading":"Confirm key person details","confirm":"Confirm","apiError":"Something went wrong. Please try again."},"addKeyPerson":{"heading":"Add additional key people","confirm":"Confirm","apiError":"Something went wrong. Please try again."},"additionalDocuments":{"heading":"We need additional documents from you","body1":"We need you to upload some documents to confirm your details.","body2":"Click 'Upload my documents' and follow the instructions to upload them on to our secure portal.","button":"Upload my documents","apiError":"Something went wrong. Please try again."},"confirmationPage":{"heading":"Thank you for confirming your details","body1":"There's nothing left for you to do.","body2":"We may get in touch if we need to clarify any of your details.","finish":"Finish","apiError":"Something went wrong. Please try again."},"submissionPage":{"heading":"Submitting details","statusMessages":["Checking your details","Cross-checking with trusted databases","Running safety and compliance checks","Wrapping everything up"],"apiError":"Something went wrong. Please try again."},"forms":{"addKeyPerson":{"headings":{"personalDetails":"Personal details","contactDetails":"Contact details","currentAddress":"Current address","employment":"Employment","residency":"Residency","tax":"Tax","keyPersonTypes":"Key person types"},"labels":{"firstName":"First name","lastName":"Last name","keyPersonTypes":"Their role","dateOfBirth":"Date of birth","phoneNumber":"Phone number","email":"Email","flatNumber":"Flat number","streetNumberBuildingName":"Street number or building name","addressLine1":"Street","townOrCity":"Town / City","postcode":"Postcode","countryCode":"Country","employmentStatus":"Employment status","industryOfEmployment":"Industry","jobRole":"Role","ukResident":"Are you a UK resident?","countryOfBirth":"Country of birth","nationalityOrCitizenship":"Country of nationality","hasForeignTaxObligations":"Do you pay taxes in other countries?","foreignTaxObligations":"Which other countries do you pay tax in?","taxReference":"Tax reference","addCountry":"Add country","remove":"Remove"},"apiError":"Something went wrong. Please try again.","confirm":"Confirm","orEnterManually":"Or enter manually"},"businessActivities":{"heading":"Business activities","labels":{"hasInternationalDealings":"Do you have international dealings?","businessDealingCountry":"Business dealing country","receive10OfOverallAnnualIncome":"Receive 10% of overall annual income","sicCode":"SIC code","addCountry":"Add country","remove":"Remove"},"apiError":"Something went wrong. Please try again."},"businessDetails":{"heading":"Business details","labels":{"companyName":"Name or organisation","companyNumber":"Company number","companyStatus":"Company status"},"apiError":"Something went wrong. Please try again."},"employment":{"heading":"Employment","labels":{"employmentStatus":"Employment status","industryOfEmployment":"Industry","jobRole":"Role"},"apiError":"Something went wrong. Please try again."},"name":{"heading":"Your name","labels":{"firstName":"First name","lastName":"Last name","keyPersonTypes":"Their role"},"apiError":"Something went wrong. Please try again."},"nominatedAccount":{"heading":"Nominated account details","labels":{"nameOnTheAccount":"Name on the account","accountNumber":"Account number","sortCode":"Sort code"},"callout":{"text":"If you need to update this, please contact","email":"clientservices@flagstoneim.com"}},"address":{"heading":"Address","labels":{"flatNumber":"Flat number","streetNumberBuildingName":"Street number or building name","addressLine1":"Street","townOrCity":"Town / City","postcode":"Postcode","countryCode":"Country"},"apiError":"Something went wrong. Please try again."},"registeredAddress":{"heading":"Registered address","labels":{"addressLine1":"Flat number","addressLine2":"Street number or building name","addressLine3":"Street","townOrCity":"Town / City","county":"County","postCode":"Postcode","countryCode":"Country"},"apiError":"Something went wrong. Please try again."},"taxInformation":{"heading":"Tax information","labels":{"ukResident":"Are you a UK resident?","countryOfBirth":"Country of birth","nationalityOrCitizenship":"Country of nationality","hasForeignTaxObligations":"Do you pay taxes in other countries?","foreignTaxObligations":"Which other countries do you pay tax in?","countryCode":"Country","taxReference":"Tax reference","addCountry":"Add country","remove":"Remove"},"apiError":"Something went wrong. Please try again."},"tradingAddress":{"heading":"Trading address","labels":{"doYouHaveATradingAddress":"Do you have a trading address?","addressLine1":"Flat number","addressLine2":"Street number or building name","addressLine3":"Street","townOrCity":"Town / City","county":"County","postCode":"Postcode","countryCode":"Country"},"options":{"yes":"Yes","no":"No"},"apiError":"Something went wrong. Please try again."},"documentUpload":{"heading":"Key documents for {{name}}","subHeading":"Please upload at least <1>one example for each document category.","labels":{"ProofOfIdentity":{"heading":"Proof of identity","body":"We’ll accept a valid:","list":["passport","full UK driving licence (full provisional)","National Identity card","identity card issued by the Electoral Office for Northern Ireland"]},"ProofOfAddress":{"heading":"Proof of address","body":"We’ll accept a valid:","list":["full UK driving licence","bank/building society or credit card statements (from the last three months)","gas, electricity, or council tax bills (from the last three months)"]},"BankVerification":{"heading":"Bank statement","body":"Ensure the document:","list":["is from the last 3 months","shows your name and address","shows the sort code and account number of the nominated bank account you will use to fund your Flagstone holding account"]}},"apiError":"Something went wrong. Please try again.","buttonText":"Upload documents","confirm":"Confirm"},"validation":{"required":"This field is required","postcode":"Please enter a valid UK postcode","email":"Please enter a valid email address","phoneNumber":"Please enter a valid UK phone number","foreignTaxObligations":"At least one country is required","dateOfBirthMinAge":"You must be at least 18 years old","dateOfBirthRequired":"Date of birth is required","dateOfBirthInvalid":"Please enter a valid date","internationalDealings":"At least one country is required"},"confirm":"Confirm"}},"unverifiedWelcomeModal":{"title":"Welcome to Flagstone {{firstName}}","subtitle":"How would you like to start?","completeApplication":{"cardTitle":"Complete your application","cardText":"Complete your Flagstone account setup to start opening savings accounts."},"explorePlatform":{"cardTitle":"Explore the platform","cardText":"Browse our rates at your own pace, and see how the platform works."}},"portfolioNotDeposited":{"ringfencedWarning":{"notificationText":"We’ve received your funds. Before they’re available to deposit, we need to carry out some additional checks. We’ll contact you within one working day if we need more information."},"summaryNotDeposited":{"notVerified":{"text1":"To get started, complete your application for a Flagstone account.","text1Corporate":"To get started, complete your application for a Flagstone business account.","text2":"If you’d prefer, you can browse our rates first."},"notFunded":{"text":"Your savings holding account is a temporary home for your cash. Safe and secure, it holds your funds while you choose which savings accounts to open.","textEntity":"Your holding account is a temporary home for your cash reserves while you choose which savings accounts to open."},"insufficientFunds":{"primaryText":"You have <0>{{availableAmount}} in your holding account.","secondaryText":"You'll need to add more cash to your holding account to open savings accounts."},"funded":{"primaryText":"You have <0>{{availableAmount}} in your savings holding account.","secondaryText":"Use this cash to open as many savings accounts as you’d like."},"ringfenced":{"primaryText":"You have <0>{{ringfencedAmount}} pending in your savings holding account.","secondaryText":"We'll email you when your funds are available to deposit into savings accounts."},"partialRingfenced":{"primaryText":"You have <0>{{ringfencedAmount}} pending in your savings holding account. We'll email you when these funds are available to deposit.","secondaryText":"You have <0>{{availableAmount}} in your savings holding account available to deposit."},"ringfencedAndInsufficientFunds":{"primaryText":"You have <0>{{ringfencedAmount}} pending in your savings holding account. We'll email you when these funds are available to deposit.","secondaryText":"You have <0>{{availableAmount}} in your savings holding account."},"inReview":{"primaryText":"There’s nothing you need to do right now – we’ve got it covered.","secondaryText":"We’ll let you know the outcome as soon as possible."},"documentsRequired":{"primaryText":"We need these to keep your account secure.","secondaryText":"Continue to see which documents you’ll need to upload."},"heading":{"notVerified":"Welcome to Flagstone ","unverifiedCorporate":"Welcome to Flagstone","notFunded":"You can now fund your savings holding account","notFundedEntity":"You can now fund your holding account","funded":"You can now open savings accounts","ringFencedFunds":"We’re carrying out additional checks","inReview":"We’re reviewing your application","documentsRequired":"We need to see your documents"},"ctaText":{"notFunded":"Fund savings holding account","funded":"Open savings accounts","notVerified":"Complete application","documentsRequired":"Upload documents"}},"portfolioStepper":{"heading":"Next steps","apply":{"title":"Apply","description":"Complete your application for a Flagstone account.","corporateDescription":"Complete your application for a Flagstone business account."},"fund":{"title":"Fund","description":"Add cash to your savings holding account by manual or quick bank transfer."},"open":{"title":"Open","description":"Use the cash in your savings holding account to open your chosen savings accounts."}},"nextStepModule":{"note":"Next up","isApplicant":{"title":"How to apply for a Flagstone account","content":{"p1":"Please have these details to hand:","p2":"Full name","p3":"Address history","p4":"Tax residency","p5":"Source of your funds","p6":"Nominated account (the UK current account you'll use to fund your holding account)"}},"corporateApplicant":{"title":"How to apply for a Flagstone business account","content":{"p1":"Please have these details to hand:","p2":"Company registration number (if you are an incorporated business)","p3":"Nature of business and details of business activities","p4":"Business trading address","p5":"Tax details including:","p6":"Unique tax reference (UTR) for the business","p7":"National Insurance (NI) and Tax Identification number (TIN) and for majority shareholders","p8":"Nominated account (the UK current account you'll use to fund your holding account)"}},"verified":{"title":"How to fund your savings holding account","content":{"p1":"There are two ways to fund your Flagstone savings holding account:","p2":"Quick bank transfer (typically one working day)
A simple, secure way to transfer funds by connecting your nominated account to your holding account.","p3":"Manual bank transfer (up to 2 working days)
Give your bank Flagstone’s holding account details and your transfer amount. You’ll find the details in ‘Add Funds’."}},"funded":{"title":"How to open savings accounts","content":{"p1":"Open as many savings accounts as you need. No applications or paperwork necessary.","p2":"Go to 'Place deposits' and browse hundreds of savings accounts, including Instant Access, Fixed Term, and Notice accounts. The choice is yours."}},"isa":{"title":"How to open tax-free accounts","content":{"p1":"Open as many accounts as you need. No applications or paperwork necessary.","p2":"Go to ‘Place ISA deposits’ and browse our accounts. The choice is yours."}}},"howFlagstoneMakesMoney":{"title":"How Flagstone makes money","paragraph1":"For each savings account you open through Flagstone, we receive a small share of the interest. We deduct that share before we feature any savings account on our platform – so the rate you see will always be the rate you receive. We also earn interest on the cash that sits in your holding account.","paragraph2":"We don’t charge any platform fees.","linkText":"See our fee model"},"platformModule":{"title":"A platform with purpose","column1":{"title":"Know what you’re earning","text":"See all your accounts, tax statements, and upcoming maturities in one place."},"column2":{"title":"Protect what you’re earning","text":"Split your cash between banks, for maximum FSCS protection on your eligible deposits.","textEntity":"Protect your cash reserves Diversify your funds and maximise your FSCS protection."},"column3":{"title":"Keep on earning","text":"When your Fixed Term savings accounts are about to mature, set up a rollover to ensure your funds automatically ‘roll’ into a new account of your choice.","textEntity":"Set up a rollover date for when your Fixed Term accounts are about to mature, so you never lose out on interest."}}},"whyCashIsaModule":{"heading":"Why choose the Flagstone Cash ISA?","subHeading":"Open multiple tax-free accounts in one Cash ISA. Manage them in one platform.","button":"Open Cash ISA","applicationButton":"Complete application","convenient":{"title":"Convenient","description":"Spread savings across multiple banks. All in one ISA, in one platform platform, with one password."},"flexibility":{"title":"Flexible","description":"Move your cash in and out as often as you like in the same tax year – with no impact on your ISA allowance."},"protect":{"title":"Rewarding","description":"Earn more with exclusive rates. Switch to better rates in a few clicks."}},"topRatesModule":{"heading":"Browse our top rates","headingAlt":"Our top rates","description":"We have exclusive and market-leading rates for every savings goal.","descriptionEntity":"Get our best in business savings Diversify your cash reserves while earning interest on your reserves.","linkText":"See all rates","noticeRatesLinkText":"See Notice rates","fixedTermRateLinkText":"See Fixed Term rates","instantAccessLinkText":"See Instant Access rates"},"transferYouIsaModule":{"title":"Consolidate your Cash ISAs with Flagstone","paragraph1":"Transfer your existing ISAs to Flagstone for free, and stop the sprawl for good. You’ll just need your National Insurance number.","button":{"open":"Open Cash ISA","transfer":"Start Transfer","completeApplication":"Complete application"}},"verifyIdentityModule":{"address":{"heading":"No address to show","text":"You’ll be able to see your address information, and request changes here."},"taxInformation":{"heading":"No tax information to show","text":"You’ll be able to see your tax information here."},"nominatedAccount":{"heading":"No nominated account to show","text":"You’ll be able to see your account information, and request changes here."},"balanceStatements":{"heading":"No balance statements to show","text":"Statements for your savings accounts will display here."},"taxStatements":{"heading":"No tax statements to show","text":"Tax statements for each tax year will display here."},"savingsAccounts":{"heading":"No savings accounts statements to show","text":"Statements for your savings accounts will display here."},"withdrawal":{"bannerText":"To add and withdraw funds from your holding account, you’ll need to apply for a Flagstone account first."},"placeDeposits":{"bannerText":"Rates in this table are subject to availability and eligibility after you’ve verified your identity.","tooltipText":{"firstSpan":"Before you can open savings accounts,","secondSpanDefault":{"text":"you’ll need to <0>apply for a Flagstone account.","linkLabel":"apply for a Flagstone account"},"secondSpanDocumentsRequired":{"text":"you’ll need to <0>upload documents.","linkLabel":"upload documents"},"secondSpanApplicationInReview":"we need to review your application."}},"optionalCtaText":"Please apply for a Flagstone account first.","verifyIdentityCta":"Complete application"},"fscsTracker":{"FSCSHeader":{"title":"Track your FSCS protection","titleDescription":"All eligible deposits benefit from FSCS protection of up to <0>{{fscsDepositLimitIndividual}} (or <1>{{fscsDepositLimitJoint}} for joint accounts). We've made it easy to <3>see whether you've exceeded the FSCS limit.","titleDescriptionSME":"For businesses, eligible deposits are protected up to £120,000 per banking group. You can view and track how much of your cash reserves are protected with our FSCS tracker.","howDoesItWork":"How does it work?","bodyText1":"Some banks are owned by the same organisation, creating banking groups.\u00A0FSCS protection is based on the deposits you hold per banking group, not per bank.","bodyText2":"Calculations include funds in your holding account and savings accounts for this Flagstone account."},"FSCSFooter":{"body":"<0>FSCS protection is subject to eligibility."},"BankGroupCardSection":{"overLimitHeading":"Banking groups over <0/>","underLimitHeading":"Banking groups up to <0/>"},"BankGroupCard":{"fscsTrackerTooltip":"All eligible deposits benefit from FSCS protection of up to {{fscsDepositLimitIndividual}} per client, per banking group (or {{fscsDepositLimitJoint}} for joint accounts).","totalDeposited":"Total deposited","showLessDetails":"Show less details","showMoreDetails":"See more details","holdingAccountInfo":"(with holding account)","savingsAccountsHeading":"Savings Account","isaAccountsHeading":"Cash ISA"},"BankAccountList":{"maturityPrefix":"Maturity: ","rateLabel":"AER/Gross"},"ProtectionIndicator":{"overLimit":"over protection limit","underLimit":"to FSCS limit"},"BankGroupHeader":{"totalDeposited":"Total deposited "}},"bankScheduledToGetRenamed":{"sma":"SmartSave is now Chetwood Bank. There’s no change to your interest rates, and your FSCS protection remains the same."},"isaSignup":{"title":"Open Cash ISA","paragraph1":"Open your Cash ISA in minutes – you’ll only need your National Insurance number.","niSection":{"title":"National Insurance number","niInputLabel":"Enter your National Insurance number (NINO)","niRequiredError":"National Insurance number is required","niInvalidError":"Must be a valid UK National Insurance number"},"termsSection":{"title":"Cash ISA Terms & Conditions","callOut":"Read the documents below to understand how your account works.","termsCheckbox":"I agree to Flagstone’s Cash ISA <1>Terms & Conditions and WealthKernel’s <2>Terms & Conditions","termsRequiredError":"You must agree to Flagstone's & WealthKernel’s Terms & Conditions","declarationCheckbox":"I confirm I have read and agree to the <1>Cash ISA declaration","declarationRequiredError":"You must agree to the Cash ISA declaration","termsLoadError":"The terms and conditions failed to load. Please try again later. If the issue persists, contact us at clientservices@flagstoneim.com"},"documentsExpired":"The documents you’ve agreed to have just been updated. Please read and agree to them again before continuing.","submitButton":"Open Cash ISA","apiError":"Sorry, something went wrong. Please try again, If the issue persists please contact support.","apiInvalidFields":"Please check that you have entered a valid National Insurance number and agreed to Flagstone's Terms"},"isaAccountStatusModule":{"supportEmail":"clientservices@flagstoneim.com","inProgress":{"heading":"Your Cash ISA will be ready in a few minutes","copy":"<1>We’ll let you know when it’s ready. You can also check the status from the ‘My summary’ page.<1>In the meantime, why not browse our latest rates?","button":"See Latest Rates"},"rejected":{"heading":"We can’t open a Cash ISA for you","copy":"<1>Unfortunately, we can't offer a Flagstone Cash ISA to you at this time.<1>Please contact our team at <2>clientservices@flagstoneim.com and we'll look into this for you.<1>We’re here to help, so don’t hesitate to reach out if you have any questions.","button":"Back To Savings Account"},"unFunded":{"heading":"You can now fund your ISA holding account","copy":"<1>Your ISA holding account is a temporary home for your cash.<1>Safe and secure, it holds your funds while you choose which tax-free accounts to open.","button":"Fund ISA Holding Account"},"open":{"heading":"Let’s start opening tax-free accounts","copy":"<1>You have {{amountToInvest}} in your ISA holding account.<1>Cash in your ISA holding account doesn't earn you interest, so please deposit into tax-free accounts as soon as possible.","button":"Open tax-free accounts","button2":"Fund ISA holding account"},"steps":{"header":"NEXT STEPS","setup":{"title":"Apply","description":"Complete your application."},"fund":{"title":"Fund","description":"<1>Add cash to your ISA holding account by:<2><3>Transfer from another ISA provider<3>Bank transfer<3>Internal transfer from your savings account"},"open":{"title":"Open","description":"Use the cash in your ISA holding account to open your chosen savings accounts."}}},"isaFunding":{"header":"How would you like to add funds?","description":"Transfer times vary between funding methods","options":{"isaTransfer":{"title":"Transfer from another provider","p1":"Provide a few details about your existing Cash or Stocks & Shares ISA, and we’ll handle the rest."},"bankTransfer":{"title":"Bank transfer","p1":"Make a quick or manual transfer from your nominated account."},"internalTransfer":{"title":"Internal Flagstone transfer","p1":"Move money within the platform – from from your savings holding account to your ISA holding account."}},"unverifiedNotification":"To add and withdraw funds from your ISA holding account, you’ll need to apply for a Flagstone account first.","banking":{"header":"How would you like to fund your Cash ISA holding account?"},"faq":"Frequently asked questions"},"isaRatesModule":{"heading":"Browse our top Cash ISA rates","description":"Including exclusive rates you won't find anywhere else.","linkUrl":"See all rates","rateITemLinkUrl":"See all rates"},"isaDeposit":{"title":"Cash ISA Rates","moreComingSoon":"We now offer Fixed Term accounts – with even more Fixed Term and Instant Access accounts coming soon."},"isaBestRatesSignupModule":{"heading":"Earn up to {{bestRate}}% with the Flagstone Cash ISA","subHeading":"

Open multiple tax-free accounts within one Cash ISA.

Manage them in one platform.

","buttonLabel":"Open Cash ISA"},"isaThreeWaysToFundModule":{"heading":"Three ways to fund your ISA holding account","buttonLabel":"Fund ISA holding account","opRobinIteration2ButtonLabel":"Add funds","transferFromProvider":{"title":"Transfer from another provider","description":"Complete a ISA transfer form online, and we’ll handle the rest."},"bankTransfer":{"title":"Bank transfer","description":"Fund by quick bank transfer (typically arrives within 30 minutes), or manual bank transfer (typically arrives within 1 working day)."},"internalTransfer":{"title":"Internal Flagstone transfer","description":"Move money from your savings holding account to your ISA holding account, up to this year’s ISA allowance."}},"isaLearnMoreModule":{"preApplication":{"title":"Introducing the Flagstone Cash ISA","subTitle":"Spread savings across multiple banks in one ISA. Free transfers, flexible withdrawals, and swift sign-up.","buttonLabel":"Learn More"},"applicationStarted":{"title":"Check your Cash ISA application status","buttonLabel":"Check Status"},"opRobinIteration2Variant":{"title":"Earn tax-free interest with the Flagstone Cash ISA","subTitle":"We’ve launched a Cash ISA, giving you a smarter, tax-free way to grow your savings.","buttonLabel":"Learn more"}},"isaLearnMoreBanner":{"preApplication":{"title":"Same Flagstone. Now with a Cash ISA.","button":"Learn More","content":"

Open multiple tax-free accounts within one Cash ISA.

Manage everything in one platform.

"},"applicationStarted":{"title":"Check your Cash ISA application status","button":"Check Status"}},"isaFundingModule":{"title":"ISA funding limit","accordionTitle":"What does this include?","isaAllowanceLabel":"ISA Allowance ({0})","replacableFundsLabel":"Replaceable funds","remaining":"Remaining","replacableFundsTooltipContent":"This is the total you've withdrawn from previous tax years' contributions.\n Replace these funds before midnight 05 April {{endOfTaxYear}} to prevent losing your allowance from previous tax years."},"isaSignupSuccessBanner":{"copy":"Your Cash ISA application has been successful."},"isaInternalTransfers":{"backButton":"Back","transferAmount":{"title":"How much would you like to transfer from your savings holding account?","field":{"label":"Transfer amount","genericValidationError":"Please enter a valid transfer amount","moreThanIsaLimitValidationError":"You cannot transfer more than your ISA funding limit ({0})","moreThanGbpPortfolioValueValidationError":"You cannot transfer more than your available Savings holding account balance ({0})"},"gbpBalanceLabel":"Savings holding account balance","gbpBalanceSubtitle":"Available to deposit","continueButton":"Continue"},"providerUnavailable":{"returnToSummary":"Return to summary","notification":"We cannot make internal transfers between holding accounts at the moment. Please try again later."},"reviewTransfer":{"fromDescription":"Your Flagstone savings holding account","toDescription":"Your Flagstone ISA holding account","title":"Review your transfer","transferReviewHeading":"You’re sending","subtitle":"Funds usually arrive within 30 minutes.","transferButton":"Transfer now"},"transferSubmitted":{"title":"Transfer in progress","subtitle":"We'll let you know when your funds have arrived in your ISA holding account – typically within 30 minutes.","fromDescription":"Your Flagstone savings holding account","toDescription":"Your Flagstone ISA holding account","amountLabel":"Amount:","finishButton":"Finish","makeAnotherTransferButton":"Make another transfer"},"apiErrors":{"pollingTimeout":"Sorry, this is taking longer than expected.\nTry again or contact {{clientServicesEmail}}","genericWithdrawalError":"Sorry, we are unable to complete your withdrawal request to your nominated account at this time.\nPlease try again or contact {{clientServicesEmail}}"}},"isaTransfersIn":{"backButton":"Back","supportEmail":"clientservices@flagstoneim.com","existingDetails":{"title":"Your existing Cash ISA details","provider":{"label":"Your existing ISA provider","selection":"Please select","validationError":"Please Select your existing ISA provider","loadError":"The ISA provider list failed to load. Please try again later. If the issue persists, contact us at clientservices@flagstoneim.com","providerNotListed":"My provider isn’t listed","nameLabel":"Provider name","nameValidationError":"Please enter a valid provider name"},"type":{"label":"ISA type","subLabel":"If you’re transferring a Stocks and Shares ISA, your investments will usually be sold before moving to Flagstone.","cashIsa":"Cash ISA","stocksAndShares":"Stocks and Shares ISA","validationError":"Please Select the type of ISA"},"accountReference":{"label":"ISA reference number / ID","subLabel":"These can usually be found on your ISA statements.","validationError":"This is an invalid reference number / ID. Ensure it matches the details held by your provider exactly.","dontHaveReferanceNumber":"Don’t have a reference number?"},"accountNumber":{"label":"Account number","validationError":"Please enter a valid account number"},"sortCode":{"label":"Sort code","validationError":"Please enter a valid sort code"},"continueButton":"Continue","useReferenceNumber":"Use a reference number / ID instead","useAccountNumber":"Use account number and sort code"},"existingIsaBalance":{"title":"Existing ISA balance","subTitle":"You don’t have to provide the exact amount.","continueButton":"Continue","validationError":"You can only transfer an ISA if you’ve paid into it","balance":{"label":"Estimated existing ISA balance","subLabel":"Including paid interest or profits to date","validationError":"Please enter a valid a transfer amount","validationErrorIsaAllowance":"You have exceeded your ISA allowance for this tax year","whyDoWeNeedThis":"Why do we need this?","whyDoWeNeedThisCopy":"This helps ensure the amount being transferred from your existing provider is correct."},"currentTaxYear":{"label":"Have you contributed to the ISA this current tax year?","subLabel":"As in, have you used any of your allowance with this ISA?","yes":"Yes","no":"No","validationError":"Please select if you have you paid into your existing ISA this current tax year"},"previousTaxYear":{"label":"Does the ISA include funds from previous tax years?","subLabel":"This includes payments made directed to this ISA, or funds transferred in from other ISAs.","yes":"Yes","no":"No","validationError":"Please select if you have you paid into your existing ISA in previous tax years"}},"existingTerms":{"title":"Existing ISA transfer terms","subTitle":"Tells us if your existing ISA has a fixed term or notice period.","continueButton":"Continue","terms":{"label":"Does your existing ISA have a fixed term or notice period?","yes":"Yes","no":"No","validationError":"Please select if your existing ISA has a fixed term or notice period"},"transferStart":{"label":"When would you like the transfer to start?","subLabel":"You can still transfer early, though charges may apply.","asap":"As soon as possible. I accept any charges that may apply.","afterMaturity":"After the account matures, or the notice period ends.","validationError":"Please select when you would like to start the transfer"}},"existingIsaBalanceBreakdown":{"title":"Transfer amount","subTitle":"We need to know how much to transfer from this tax year and previous tax years.","currentTaxYear":{"howMuch":{"label":"How much have you contributed to your existing ISA this tax year?","subLabel":"This can be an estimate","validationError":"Amount must be higher than £0.00"},"transferAll":{"label":"Would you like to transfer all contributions made this tax year?","yes":"Yes","no":"No","validationError":"Please select if you want to transfer all contributions from this tax year","note":"Note it’s not possible to transfer partial amounts of contributions made this tax year.","learnMore":"Learn more"},"modal":{"title":"Transferring current tax year contributions","content":"

There’s only 2 options when it comes to transferring ISA contributions made this current tax year. You can either:

It’s not possible to transfer a partial amount of this tax year’s contributions because most ISA providers don’t allow it.

","ok":"Ok"}},"previousTaxYear":{"transferAll":{"label":"Would you like to transfer all contributions made in previous tax years?","yes":"Yes","no":"No","validationError":"Please select if you want to transfer all contributions from previous tax years"},"howMuch":{"label":"How much would you like to transfer from previous tax year contributions?","subLabel":"This can be an estimate","validationError":"Amount must be higher than £0.00","validationErrorNumber":"Amount must be a number"}},"breakdown":{"amount":"Estimated transfer amount","whatsIncluded":"What does this include?","currentTaxYear":"Current tax year contributions","previousTaxYear":"Previous tax year contributions (estimated)","balanceToHighError":"You can't transfer more than your ISA balance"}},"transferAmount":{"title":"Transfer amount","subTitle":"You can transfer all or part of your existing ISA.","transferFull":{"label":"Transfer full amount?","yes":"YES","no":"NO","validationError":"Please Select if transfer is full amount"},"estimatedAmount":{"label":"Estimated transfer amount","subLabel":"The amount you’d like to transfer from your existing ISA","validationError":"Please enter amount to transfer","addedMoneyMessage":"If you’ve added money to this ISA during the current tax year, you must transfer at least that amount."},"fullAmount":{"label":"Transfer amount","subLabel":"Including paid interest to date","validationError":"Please enter a valid a transfer amount","whyDoWeNeedThis":"Why do we need this?","whyDoWeNeedThisCopy":"This helps us check for any difference between the amount you ask to transfer and what we receive.","mayCloseMessage":"The existing ISA may close once the transfer is complete."},"continueButton":"Continue"},"checkYourDetails":{"title":"Check your Flagstone details","subTitle":"These must match the details held by your existing ISA provider.","name":"Name","dateOfBirth":"Date of birth","NINO":"National Insurance number","address":"Address","continueButton":"Continue","callout":"

Your details must match those held by your existing ISA provider.

If not, please email the correct details to clientservices@flagstoneim.com.

","supportEmail":"clientservices@flagstoneim.com"},"review":{"title":"Review your {{transferType}} transfer","subTitle":"Funds typically arrive within 15 working days.","subTitleStocksAndShares":"Funds typically arrive within 30 calendar days.","currentTaxYear":"from the current tax year","previousTaxYears":"from previous tax years","bothTaxYears":"from current and previous tax years","transferring":"You’re transferring","estimated":"You’re transferring an estimated","fromCashIsa":"Your {{isaProvider}} Cash ISA","fromStocksAndSharesIsa":"Your {{isaProvider}} Stocks & Shares ISA","info":"You’ve chosen to start the transfer as soon as possible for this Fixed Term or Notice ISA. This means your existing provider may apply charges.","transferButton":"Transfer now","holdingAccount":"Your Flagstone ISA holding account","apiError":"Sorry, something went wrong. Please try again, If the issue persists please contact support.","confirmModal":{"title":"ISA transfer declaration and terms","confirmButton":"Confirm","cancel":"Cancel","authorisation":"Authorisation","instructionValidationError":"You must agree to proceed with the transfer","trail":"We’ll record your authorisation for our audit trail.","copy":"

I confirm that I want to transfer part or all of my funds (including interest and/or profits gained) as stated in the ‘Transfer instructions’ section above.

I understand that interest will continue to accrue in my existing ISA, or with my existing ISA manager, until the date of transfer (inclusive), in accordance with the ISA Regulations.

If transferring a Cash ISA: I understand that, by agreeing to this transfer, I instruct the provider of my existing ISA to immediately withdraw my funds. I take responsibility for any fees this may incur if this transfer comes before any maturity date.

If transferring a Stocks & Shares ISA: I understand that my current provider will sell my investments before transferring the funds, and that the amount transferred will depend on the value of the investment at the point they were sold. This value may be lower than the amount I originally invested.

If necessary, I’ve reached out to my existing ISA provider to understand any applicable fees and charges.

I’m happy for my existing ISA provider to share any necessary information concerning my ISA with WealthKernel Limited, the ISA Manager for the Flagstone Cash ISA. I accept any instructions from them relating to this transfer.

I acknowledge that withdrawing funds directly may result in loss of tax-free status of those funds.

","conformation":"

By continuing, you confirm that you understand and agree to the following:

Transfer confirmation

You want to transfer part or\u00A0all of\u00A0your funds (including any interest or profits).

","interest":"Interest\u00A0up to the date of\u00A0the transfer

Interest will continue to\u00A0accrue\u00A0in your existing ISA, or with your current ISA manager, up to and including the date of transfer, in line with ISA regulations.

Loss of interest

You accept responsibility for any loss of interest\u00A0incurred once the ISA transfer starts.

","fees":"Fees and charges

You’ve contacted your existing ISA provider, where necessary, to understand any fees or charges that may apply.\u00A0

Sharing information

Your existing ISA provider may share any necessary information about your\u00A0ISA with\u00A0Flagstone and\u00A0WealthKernel\u00A0Limited, the ISA manager for the Flagstone Cash ISA,\u00A0and you accept any instructions relating to this transfer.\u00A0

Tax status

Withdrawing funds directly may result in the loss of their tax-free status.

","stocksAndSharesMessage":"Sale of investments

Your provider will sell your investments before transferring the funds. The amount transferred will depend on the value at the time of sale and may be less than the amount originally invested.

","waitMessage":"Transfer instructions

Flagstone will instruct your existing ISA provider to wait until the maturity date, or the notice period to end (whichever is relevant) before going ahead with the transfer.

","asapMessage":"Transfer instructions

Flagstone will instruct your existing ISA provider to withdraw funds from your existing ISA within five days, and you accept any charges that may apply.

","conformationMessage":"I authorise the transfer of my ISA as instructed above and confirm that I understand the terms and conditions of the transfer."}},"processing":{"titlePartial":"Partial ISA transfer in progress","titleFull":"Full ISA transfer in progress","cashIsaSubheading":"We'll let you know when your funds have arrived in your ISA holding account – typically within 15 working days.","stocksSharesIsaSubheading":"We'll let you know when funds from your Stocks and Shares ISA have arrived in your ISA holding account – Stocks and Shares ISA transfers typically arrive within 30 calendar days.","provider":"ISA provider:","accountReference":"ISA reference number:","accountNumber":"Account:","accountSortCode":"Sort code:","amount":"Amount:","estimatedAmount":"Estimated amount:","followInstructions":"Please follow any instructions from your existing ISA provider during the transfer.","finishButton":"Finish","makeAnotherTransferButton":"Make another transfer"}},"flexibleIsaModule":{"title":"Flexible ISA Usage","subTitle":"ISA allowance ({{taxYear}})","contributed":"Contributed","contributedTooltip":"Amount you’ve contributed towards this year’s {{allowance}} tax allowance. This doesn’t include contributions you’ve made to ISAs outside of Flagstone.","remaining":"Remaining","description":"You can withdraw funds without losing your annual ISA allowance if you replace the funds by 05 April {{endOfTaxYear}}.","learnMoreButton":"Learn more","learnMoreModal":{"title":"Withdrawals from a Flexible Cash ISA","subtitle":"The Flagstone Cash ISA is a flexible Cash ISA. This means you can withdraw funds from it without affecting your annual ISA allowance.","copy":"

You can withdraw funds from your flexible Cash ISA without it affecting your annual ISA allowance, if you replace the funds by midnight 05 April {{endOfTaxYear}} (GMT). If you don’t, you’ll lose your allowance for the amount you don’t replace.

Any interest earned while the funds are outside your ISA won’t be tax-free and may be subject to income tax.

To replace the funds, fund your ISA holding account in the same way you normally would from the ‘My ISA summary’ page.

","okButton":"Ok"},"errorMessage":"Your allowance information is temporarily unavailable.","replicableFunds":{"title":"Replaceable funds","remaining":"Remaining","description":"

This is the total you’ve withdrawn from previous tax years’ contributions.

Replace these funds before midnight 05 April {{endOfTaxYear}} to prevent losing your allowance from previous tax years.

"}},"IsaTransfersInStatusModule":{"currentTransfers":"ISA Transfers ({{transferCount}})","accountNumber":"Account number:","SortCode":"Sort Code:","referenceNumber":"ISA reference number / ID:","cashIsa":"Cash ISA","stocksAndSharesIsa":"Stocks & Shares ISA","partialTransfer":"Partial transfer","fullTransfer":"Full transfer","status":"Status","transferTimes":"ISA transfer times","transferTimesMessage":"Cash ISAs transfers typically take up to 15 working days from the requested date, whereas Stocks & Shares ISAs can take up to 30 calendar days.","apiError":"Sorry, something went wrong. Please try again, If the issue persists please contact support.","transferTo":"Transfer to Flagstone","externalTransfer":"Transfer to {{isaProvider}}","statuses":{"requested":"Requested","verifying":"Verifying","verified":"Verified","transferring":"Transferring","transfered":"Transfered","completing":"Completing","completed":"Completed"},"rejected":{"warning":"Your transfer has been rejected","message":"Unfortunately, we can’t proceed with this ISA transfer. Please contact our team at clientservices@flagstoneim.com and we'll look into this for you.","supportEmail":"clientservices@flagstoneim.com"},"details":{"requested":"Requested","type":"Type","amount":"Amount","transferReference":"Transfer reference"},"cancellation":{"request":"Request cancellation","requested":"Cancellation requested","modal":{"title":"Confirm ISA transfer cancellation ","p1":"You can request to cancel the ISA transfer, but it may not be possible if the process is already underway.","p2":"If the cancellation isn’t successful, you can return the funds through a separate process within 14 days of the transfer completing.","cancel":"Request to cancel","keepTransfer":"Keep the transfer"},"cantCancel":{"warning":"We can't cancel your transfer","p1":"Unfortunately, we can't cancel your request to transfer funds from your existing provider. This is because the funds are already on their way to Flagstone.","p2":"If you'd still like to transfer the funds back, that's no problem - please contact your existing provider to arrange this."}},"awaitingMaturity":{"warning":"The transfer scheduled to start after {{maturityDate}}","message":"You don’t have to do anything – the transfer to {{externalProviderName}} will start once your tax-free accounts mature. "},"lagInterest":{"warning":"This transfer will complete on {{lagInterestDate}}","message":"We're waiting to transfer the remaining interest to your {{externalProviderName}} ISA."},"revisions":{"personalDetails":{"warning":"Your details don’t match – please review and update them","details":"The following details in your transfer request don’t match the information your existing provider holds for you.","whoHolds":"This is the information Flagstone holds on you:","name":"Name","dateOfBirth":"Date of birth","NINO":"National Insurance number","address":"Address","isaAccountNumber":"ISA account number","confirmDetailsAreCorrect":"The details above are correct and now match the details my existing provider holds for me.","confirmDetailsError":"Please confirm the above details are correct","progress":"Please ensure the details you have with Flagstone match the details you have with your existing ISA provider.","confirmUpdateButton":"Resubmit ISA transfer","updateButton":"Update","cancelButton":"Cancel","okButton":"Ok","addressUpdateInProgress":"Update under review","addressUpdateInProgressMessage":"You’ll be able to resubmit the ISA transfer after our Client Services team has reviewed the updated address.","instructions":{"title":"What do I need to do?","instructions":"

If any of the details displayed above with Flagstone are incorrect, select 'Update' and follow the instructions.

If you need to update your details with your existing ISA provider, please do so before selecting ‘Resubmit ISA Transfer’ below.

"},"updated":{"warning":"Details updated","message":"Thanks for updating and matching your details across both Flagstone and your existing ISA provider. We can now progress your transfer.","finishButton":"Finish"},"updateAccountDetails":{"title":"Your existing ISA details","subTitle":"You can usually find these on your ISA statements."},"updateNINO":{"title":"Your National Insurance number","subTitle":"You can usually find this on your payslips, P60, or P45.","label":"National Insurance number","niInvalidError":"Must be a valid UK National Insurance number"},"updateName":{"title":"Updating your name","details":"

Please email clientservices@flagstoneim.com with proof of your correct name.

If you’re updating because of a spelling error, examples of proof include a colour photo or scan of your:

If you’re updating because you’ve changed your name, examples of proof include your:

"},"updateDob":{"title":"Updating your date of birth","details":"

Please email clientservices@flagstoneim.com with proof of your correct date of birth.

Examples of proof include a colour photo or scan of your:

"}},"moreInformation":{"warning":"More information is required to proceed with your transfer - please check your email","message":"We have sent you an email explaining which information is required to proceed with the transfer."},"wetSignature":{"warning":"Provide your handwritten signature to progress your ISA transfer","message":"{{provider}} has requested a handwritten signature to progress your transfer request.","downloadButton":"Transfer Authority form","instructions":{"title":"What do I need to do?","details":"

Please download, print, and sign the transfer authority form below, then post it to {{provider}}

You’ll soon receive an email containing the address to post it to.

Unfortunately, we can't accept your completed form or forward it to your existing provider.

If you don’t receive the email within one working day, or you need help completing the form, please email clientservices@flagstoneim.com

"}}}},"flexibleIsaBanner":{"title":"Unlimited withdrawals. Full flexibility.","details":"Withdraw as much as you like without affecting your allowance. No fees or penalties.","button":"Learn more","modal":{"title":"The Flagstone Cash ISA is flexible","details":"This means you can withdraw funds without affecting your annual ISA allowance, as long as you replace the funds within the same tax year. If you don’t, you’ll lose your allowance for the amount you don’t replace.","okButton":"Ok"}},"isaTransferOutNotification":{"learnMoreButton":"Learn more","okButton":"Ok","DueForProcessing":{"message":"Another ISA provider has instructed Flagstone to transfer your Cash ISA over to them. This means some features won’t be available to use.","modal":{"title":"Limitations when transferring out to a different ISA provider","copy":"

Another ISA provider has instructed Flagstone to transfer your Cash ISA over to them. In order to carry out the transfer smoothly, certain features and accounts will be unavailable.

During the transfer, you can no longer:

"}},"AwaitingMaturity":{"message":"Another ISA provider has instructed Flagstone to transfer your Cash ISA over to them once your accounts mature or reach their notice period.","modal":{"title":"Limitations when waiting to transfer out to a different ISA provider","copy":"

Another ISA provider has instructed Flagstone to transfer your Cash ISA over to them once your accounts mature or reach their notice period. In order to carry out the transfer smoothly, certain features and accounts will be unavailable.

While you wait for the transfer to start, you won’t be able to:

"}}},"isaLagInterestNotification":{"message":"We’ll transfer the remaining interest to your {{externalProviderName}} ISA on {{lagInterestDate}}."},"overrides":{"isa":{"opRobinIteration2":{"nextStepsModule":{"steps":{"choose":{"title":"Choose tax-free accounts","description":{"individual":"Browse accounts from different banks","corporate":"Browse accounts from different banks"}},"fund":{"title":"Fund ISA holding account","description":{"default":"Add money so you can make deposits"}},"open":{"title":"Open tax-free accounts","description":{"topRate":"Deposit into your selected accounts and earn up to {{topRate}}%","fallback":"Deposit into your selected accounts and earn competitive rates"}}}}},"pageTitle":{"balanceStatements":"Cash ISA balance statements","addFunds":"Add funds to Cash ISA"},"depositConfirmation":{"depositAccountWillBeProcessed":{"single":"Your tax-free account should open within ","multiple":"Your tax-free accounts should open within "},"recommandationFailed":"Don't worry, you can select a different tax-free account."},"depositAccountSelection":{"topUpTitle":"Top up existing tax-free accounts","titleMultiBasket":"Transfer funds into tax-free accounts","titleEmptyState":"You have no tax-free accounts in your selection","copyEmptyState":"Take another look at our range of competitive tax-free accounts – anything you choose will display here. ","notFundedView":{"title":"Welcome back, {{name}}.<1 />Here are your chosen tax-free accounts.","selectionDescriptionIsa":"You can change your tax-free accounts at any time – even after funding your Flagstone ISA holding account.","savingButton":"Add tax-free accounts"}},"depositReviewAndConfirm":{"subTitleText":"Here's everything you need to know about your chosen tax-free account. You'll need to agree to the Terms & Conditions before you can place your deposits.","aerGrossChooseNewSavingsIfPreferred":"(AER | Gross). You can choose a new tax-free account if you'd prefer.","grossChooseNewSavingsIfPreferredGross":"(Gross). You can choose a new tax-free account if you'd prefer.","agreeOnTermsAndConditions":"I've read and agree to the Terms & Conditions of my chosen tax-free account","agreeOnTermsAndConditionsMultiple":"I've read and agree to the Terms & Conditions of my chosen tax-free accounts"},"placeDeposits":{"selectedDepositAccount":"Selected tax-free account: #num#","selectedDepositAccountMultiple":"Selected tax-free accounts: #num#","removeProductConfirmation":{"title":"Are you sure you want to remove this tax-free account from your selection?","text":"We will remove this tax-free account from your selection if you confirm."}},"infoPanel":{"pendingDepositTransfers":" and {0} pending to your tax-free accounts.","haveFundsHoldingAccount":"You have {{funds}} in your ISA holding account, which is {{buttonCopy}}","haveFundsHoldingAccountOutboundTransfer":"You have {{funds}} in your ISA holding account","showPortfolioDetails":"See ISA portfolio details","hidePortfolioDetails":"Hide ISA portfolio details","cashFlowTracker":{"availableNow":{"holdingAccount":"ISA Holding account"},"tooltips":{"holdingAccount":"You can use funds in your ISA holding account to deposit into tax-free accounts straight away.
Funds you withdraw to your nominated account will typically arrive within 2 working days."}}},"labels":{"myFunds":{"totalDepositAccountsBalance":"Total balance in tax-free accounts","holdingAccountBalance":"ISA holding account balance","totalPortfolioValue":"Total ISA portfolio value"}},"depositAccounts":{"title":"My ISA portfolio"},"returnToHoldingAccount":{"closeAccountWarningBody":"We close tax-free accounts which fall under the minimum deposit amount and transfer the remaining balance to your ISA holding account.","closeAccountWarningTitleReturnFullBalance":"Withdraw the full balance and close the account?","confirmationHeadingIA":"Are you sure you want to return funds to your ISA holding account?","confirmationHeadingNotice":"Are you sure you want to give notice and withdraw funds to your ISA holding account?","warningMessageProcessTime":"Please note your funds will typically appear in your ISA Holding Account, within two working days.","informationMessage":"You can return part or all of your funds to your ISA holding account on the next screen."},"returnFundsSelection":{"titleIA":"Return funds to ISA holding account","titleNotice":"Give notice and return funds to ISA holding account","topUpTitle":"Top up existing tax-free account","depositAccount":"tax-free account"},"returnConfirmation":{"warningBoxText":"Once the funds have cleared in your ISA holding account, you can either request to transfer the funds to your nominated account, or you can place a deposit into a different tax-free account.","infoNext2":"We'll email you to confirm when the funds have cleared in your ISA holding account."},"toolTips":{"totalDepositAccountBalance":"Value of all tax-free account balances including interest paid, but excluding accrued interest not yet paid.","accruedInterestNotPaidYet":"This is the forecast interest earned on your deposits to date for indicative purposes only.

The interest is paid in line with the Bank's T&C's and will be credited to your ISA holding account when your deposit matures.","pendingDeposits":"This is the amount of cash waiting to be deducted from your ISA holding account and placed into a tax-free account.","holdingAccountBalance":"This amount is equal to the balance of your ISA holding account, less any pending transfers.","holdingAccountBalanceFunds":"Value of funds held in your ISA holding account, including any pending transfers.

No interest is payable on your holding account balance. ","totalSavingsAccountsBalance":"'Total tax-free accounts balance' is the sum of all your tax-free account balances.","totalPortfolioValue":"Amount equal to the sum of the ISA holding account balance, total tax-free account balance and accrued interest not paid yet.","availableToInvest":"This amount is equal to the balance of your ISA holding account, less any pending transfers.","pendingWithdrawalTermInstantAccess":"You requested to withdraw from this account.

Your funds will return to your ISA holding account within two working days.","topUpEnabled":"Click here to add additional funds from your ISA holding account to this tax-free account.","topUpUnavailable":"You can no longer top up on this tax-free account. This is because it isn't set up for the new way we handle payments between us and the banks. But don't worry, you can easily move your cash to other tax-free accounts on the platform.","returnToHoldingAccount":"Click here to return some or all of your funds back to your ISA holding account.","giveNotice":"Click here to give notice to return some or all of your funds back to your ISA holding account.","totalPortfolioBalance":"'Total portfolio balance' is the sum of all your tax-free account balances and your ISA holding account balance.","savingsAccountsUnpaidInterest":"'Unpaid interest' is the interest the bank hasn't paid yet. It's not included in your total portfolio balance or tax-free account balance.

For Sharia bank accounts, this is called 'Sharia-compliant profit'.

Check the account's terms and conditions to see how often it's paid."},"portfolioNotDeposited":{"howFlagstoneMakesMoney":{"paragraph1":"For each account you open with our bank partners through Flagstone, we receive a small share of the interest. We deduct that share before we feature any account in our platform – so the rate you see will always be the rate you receive.\u00A0","paragraph2":"We don’t charge any platform fees."}},"fscsBanner":{"title":"Your Cash ISA deposits are eligible for FSCS protection."},"savingsAccountsStatements":{"savingsAccountsBalance":"Tax-free accounts balance","savingsAccountBalance":"Tax-free account balance","dateRange":{"pageTitle":"Tax-free accounts","pageDescription":"See the interest you’ve earned in the tax-free accounts you’ve opened.
You can filter by a range of dates."},"summary":{"holdingAccountBalance":"ISA holding account balance","totalSavingsAccountsBalance":"Total tax-free accounts balance"}},"balanceStatements":{"holdingAccountBalance":"ISA holding account balance","holdingAccountBalancePrefix":"ISA holding account","totalSavingsBalance":"Total tax-free ","summary":{"holdingAccountBalance":"ISA holding account balance","totalSavingsAccountsBalance":"Total tax-free accounts balance"}},"withdrawFunds":{"stepConfirmWithdrawalAmount":{"title":"1. Cash ISA withdrawal amount","paragraph1":"The available amount is your ISA holding account balance less any pending transfers.","inputLabel":"Cash ISA withdrawal amount","withdrawalAmountInputError":"The withdrawal amount can't be greater than the available balance in your ISA holding account."},"stepConfirmNominatedAccount":{"withdrawalAmount":"1. Cash ISA withdrawal amount:","paragraph1":"Any funds you withdraw from your ISA holding account will go to your nominated account."}},"setupRolloverInfo":{"setupRolloverModalTitle":"New: Auto-rollovers are available now. Reserve your next tax-free account.","setupRolloverModalDescription":"Browse our latest rates and setup a rollover for your maturing deposits. Reserve one of our best rate tax-free accounts today to make sure you don’t miss out.","FAQListItemOne":"You reserve a new tax-free account for auto-rollover in advance.","FAQListItemTwo":"When your fixed term deposit matures, your savings will automatically transferred to the “reserved” tax-free account.","FAQCancelRollOverDescription":"You have until your existing tax-free account matures, to cancel or amend your rollover instructions."},"reserve":{"promotedBankTitle":"Reserve a similar tax-free account at {{bankName}}:","rolloverHeading":"Tax-free accounts you might be interested in for your rollover","topUpExistingHeading":"Top up your existing tax-free account:","chooseNewAccountHeading":"Or, choose a new tax-free account to reserve from the table below:"},"chooseFundingOption":{"accordionFAQBody1":"You have until your existing tax-free account matures, to cancel or amend your rollover instructions. You will be able to do this from your “My ISA Summary” page.","accordionFAQTitle2":"What happens if the reserved tax-free account becomes unavailable?","accordionFAQBody2":"We will send you an email to inform you if your tax-free account is no longer available. You can decide to reserve to another top rate. Otherwise your matured funds will be returned to your ISA holding account.","radioButton1":"Rollover all funds into the new tax-free account","cancelRolloverModalBody":"You will lose all rollover details if you confirm.","allFundsRolloverRadioOption":"Rollover all funds into the new tax-free account ({{currentBalance}})"},"reserveConfirmation":{"listItem2":"You can cancel or modify your reserved tax-free account up until your /current tax-free account reaches maturity ({{date}})/"}}},"MaintenanceBanner":{"heading":"Planned maintenance"},"Promotions":{"sectionTitle":"Picked for you","goToPromotionPage":"Go to promotion page {{page}}"},"documentUpload":{"errors":{"uploading":"Something went wrong uploading your file. Please try again.","deleting":"Something went wrong removing your file. Please try again.","generic":"There's a problem with one of your files. Please remove it and try again."},"validation":{"required":"At least one document is required."}},"opRobinIteration2":{"ringfencedFundsNotification":"We’ve received your funds but we need to carry out some additional checks before you can deposit into a savings account. We’ll email you if we need any further information.","mySummaryModule":{"balanceSummary":{"savings":{"depositAccountInvestments":"You have {0} invested in your deposit accounts.","holdingAccountFunds":{"rootText":"You have {{funds}} in your Flagstone holding account.","insufficientFundsText":"You have {{funds}} in your Flagstone holding account. You’ll need to add more cash to your holding account to open savings accounts.","pendingFundsText":"You have {{funds}} pending in your holding account. We’ll email you when your funds are available to deposit into savings accounts."}},"isa":{"taxFreeAccountInvestments":"You have {0} invested in your tax-free accounts.","holdingAccountUnfunded":"You have {{funds}} in your ISA holding account.","holdingAccountFunded":"You have {{funds}} in your ISA holding account, which is {{buttonCopy}}"}},"notifications":{"Initial":{"mainTextSavings":"Verify your identity so you can fund your holding account.","mainTextIsa":"Verify your identity so you can fund your ISA holding account.","ctaButtonText":"Verify identity"},"DocumentsRequired":{"mainTextSavings":"Upload documents so you can fund your holding account.","mainTextIsa":"Upload documents so you can fund your ISA holding account.","ctaButtonText":"Upload documents"},"ApplicationInReview":"You can transfer funds after we’ve reviewed your application."},"fundingInstructionLinkButtons":{"addFunds":"Add funds","withdrawFunds":"Withdraw funds"},"fundsBreakdown":{"accordionButtonLabels":{"showDetails":"Show details","hideDetails":"Hide details"}}},"portfolioPerformanceModule":{"isaTitle":"ISA portfolio performance","callOuts":{"cashFlowTracker":"You can set up a rollover, so when your Fixed Term accounts mature, they roll into a new account.","averageInterestRate":{"headline":"Earn up to {{topAvailableAer}}% (AER)","cta":"See rates"}}},"myPortfolioModule":{"heading":{"savings":"My savings portfolio","isa":"My ISA portfolio"},"emptyStateHeading":{"savings":"You haven’t opened any savings accounts yet","isa":"You haven’t opened any tax-free accounts yet"},"emptyStateDescription":{"savings":"Once you open a savings account, you’ll see interest rates, maturity dates, FSCS eligibility, and more.","isa":"Once you open a tax-free account, you’ll see interest rates, maturity dates, FSCS eligibility, and more."}},"nextStepsModule":{"label":"NEXT","steps":{"choose":{"title":"Choose savings accounts","description":{"individual":"Browse savings accounts from 65+ banks","corporate":"Browse savings accounts from 45+ banks"},"buttonLabel":"Choose"},"verify":{"title":"Verify your identity","description":{"default":"Tell us about you and your source of funds","inReview":"You don't need to do anything. We'll let you know the outcome shortly.","documentsRequired":"We need some more documents to finish verifying your identity"},"detail":"5-10 minutes","buttonLabel":{"default":"Verify","documentsRequired":"Upload documents"},"tag":{"inReview":"Application in review","documentsRequired":"Documents required"}},"fund":{"title":"Fund your holding account","description":{"default":"Add money so you can make deposits","checksInProgress":"We’re carrying out some additional checks on your funds. We’ll contact you within one working day."},"checksInProgressTag":"Checks in progress","buttonLabel":"Fund"},"open":{"title":"Open savings accounts","description":{"topRate":"Deposit into your savings accounts and earn up to {{topRate}}%","fallback":"Deposit into your savings accounts and earn competitive rates"},"buttonLabel":"Open"}}}},"foreignCurrencyDiscovery":{"promoBanner":{"title":"Extra currencies, no extra admin.","description":"Extend the same Flagstone advantage to your foreign cash balances.","button":"Find out more","imageAlt":"GBP, EUR and USD savings"},"nextStepsModule":{"label":"NEXT","steps":{"bankDetails":{"title":"Set up your bank details","description":"Confirm your bank details so you can activate this account","buttonLabel":"Set up bank details","inReview":{"tag":"In review"},"documentsRequired":{"tag":"Documents required","buttonLabel":"Upload documents"}},"fund":{"title":"Fund your holding account","description":"Add money so you can make deposits","buttonLabel":"Fund"},"open":{"title":"Open savings accounts","description":"Deposit into your savings accounts and start earning interest","buttonLabel":"Place deposits"}}}},"trustedTransfers":{"banner":{"single":{"description":"You have a transfer request from {{partner}} for {{amount}} into your {{destination}}{{referenceSuffix}}. This request will expire on {{expiryDate}}.","ctaText":"Review"},"multiple":{"description":"You have {{count}} transfer requests from {{partner}} for {{amount}} to deposit into your external accounts.","ctaText":"View Requests"}},"error":"Something went wrong. Please try again.","referenceText":"(Transfer reference: {{reference}})","root":{"title":"Transfer requests","emptyState":"You have no pending transfer requests.","insufficientFundsWarning":"Your holding account doesn't currently have enough balance to cover all the transfers in the list below","requestText":"You have a transfer request from {{partner}} to send {{amount}} to your {{destination}}{{referenceSuffix}}.
Review by {{expiryDate}}.","reviewCta":"Review"},"review":{"title":"Confirm your transfer to {{destination}}","byline":"You're about to send {{amount}} from your holding account to your {{destination}}{{referenceSuffix}}.","terms":"Please read the terms guiding this transfer before providing your authorisation for Flagstone to execute this payment instruction in accordance with the above.","termsDocumentUrl":"","contact":"If you have any questions, please contact clientservices@flagstoneim.com.","termsCheckboxLabel":"I confirm that I have read and understood the above. I wish to proceed with this transfer instruction","confirmCta":"Confirm Transfer","declineCta":"Decline Request","insufficientFundsWarning":"You won't be able to approve this transfer until you have sufficient funds in your holding account to cover the transfer amount.","error":"Something went wrong. Please try again.","fields":{"amountLabel":"Amount","fromLabel":"From","fromValue":"Holding account","toLabel":"To","toValue":"{{destination}}{{referenceSuffix}}"},"confirmModal":{"title":"Confirm your transfer to {{destination}}","confirmCta":"Confirm Transfer"},"declineModal":{"title":"Decline this request","body":"If you decline this request, we won't transfer funds to your {{destination}}. The funds will remain in your holding account.","declineCta":"Decline Request"},"approved":{"title":"We're processing your transfer to your {{destination}}","byline":"Here's a quick summary:","whatHappensNextTitle":"What happens next?","whatHappensNext":"We'll process the transfer and email you once the funds leave your holding account. This can happen at any time today, up to close of business.","finishCta":"Finish"}}},"nextUpSelectPage":{"headerLabel":"Next up","heading":"What would you like to do?","setupLabel":"Setup","orLabel":"or","seeRates":{"title":"See our rates","body":"Browse savings accounts from over 60+ banks"},"verifyIdentity":{"title":"Verify your identity","body":"Tell us about you and your source of funds"},"explorePlatform":{"title":"Explore the platform","body":"Get familiar with Flagstone and learn how it works."}},"foreignCurrencyDocumentsRequired":{"modalTitle":"Set up your {{currencyCode}} nominated account","landing":{"heading":"We couldn't verify your bank details.","body":"Upload a recent bank statement to continue. You can do this now or come back later.","uploadCta":"Upload bank statement","laterCta":"I'll do it later"},"uploadScreen":{"heading":"Upload a bank statement","subHeading":{"intro":"You need to upload a document dated within the last three months which clearly confirms:","criteria1":"the name that matches your company name","criteria2":"that the bank account is held within the UK"},"attachButton":"Attach document","continueCta":"Continue"},"confirmedScreen":{"heading":"Thanks for providing your bank statement","body":"We'll review your information and be in touch within 2 working days. You can continue exploring the platform in the meantime.","exploreCta":"Explore the platform"}}}}