{"libraryCopy":{"WithdrawConfirmDialog":{"processTime":"If you request to return funds to your holding account before 10:00 AM (UK Time) on any working day, the funds will typically appear in your Holding Account by the next working day."},"productSummaryBox":{"faq":{"sharia":{"whatIsInterestRate":"The Expected Profit Rate is {{ rate }}% Gross Rate.

Gross Rate means the rate without any tax removed. Interest/profits are paid at the Gross Rate. You are responsible for paying any tax due on interest/profits. Tax treatment can change and Flagstone is not advising you on the impact that any cash deposits you place via our Online Platform in any jurisdiction may have on your tax position. For further details please read our terms and conditions which have been provided to you.

To the extent that a bank deducts or withholds any tax before paying Flagstone, Flagstone will only pay you what it initially receives and shall have no further liability towards you.

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Please note that these terms may differ from any outlined in the banks terms and conditions which you are required to download, read and accept when placing this instruction. If you would like to discuss any specific part of the banks terms and conditions please contact client services at cs@flagstoneinternational.com in the first instance.","howLongToOpenAcc":"Account openings typically take 1 working day (cut off time 10:00 AM UK Time).

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Please note some banks may take one additional working day to process payment."},"notice":{"howLongToReturnToHAC":"If you give notice on this account before 10:00 AM (UK time) on any working day, your cash will typically be returned to your holding account after the specified period of notice and in line with the Terms & Conditions.

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To the extent that a bank deducts or withholds any tax before paying Flagstone, Flagstone will only pay you what it initially receives and shall have no further liability towards you.

This includes the deduction of the Flagstone share of interest specified in your Flagstone Engagement Letter.

{{ interestSection }}","canIManageAccDirectly":"It is not possible to manage this account via {{ bank }} online banking or via their customer channels even if you are an existing customer of {{ bank }}. If you have any queries, please contact client services at cs@flagstoneinternational.com in the first instance.

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Please note some banks may take one additional working day to process payment."},"notice":{"howLongToReturnToHAC":"If you give notice on this account before 10:00 AM (UK time) on any working day, your cash will typically be returned to your holding account after the specified period of notice and in line with the Terms & Conditions.

Please note some banks may take one additional working day to process payment."},"fixedterm":{"canBankChangeTheRate":"This is a fixed rate deposit account. The interest rate is fixed once open."},"trustMoney":"The Trust Money are the sums provided by customers as monies taken on trust by Flagstone to be deposited with specific bank(s) under customers' specific instructions given to Flagstone.
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If we have any additional questions one of our team will contact you.

If you have any questions please contact our client services team.
Email: cs@flagstoneinternational.com
Phone: +44 1534 682000"}}},"libraryCopyOverride":{"footer":{"emailTitle":"","emailAddress":"cs@flagstoneinternational.com"}},"clientAppCopy":{"pageTitle":{"savingsAccountsStatements":"Deposit accounts"},"cancelPendingTransfer":{"clientServicesEmail":"cs@flagstoneinternational.com"},"toolTips":{"aerGross":"The rates shown are indicative as our bank partners can sometimes amend their product rates with short notice.

AER is the Annual Equivalent Rate and indicates what the interest rate would be if interest was compounded and paid once each year.

Gross rate means the rate without any tax removed. Interest/profits are paid gross rate.","gross":"The rates shown are indicative as our bank partners can sometimes amend their product rates with short notice.

Gross rate means the rate without any tax removed. Interest/profits are paid gross rate.","nonIndicativeGross":"Interest is paid gross without any taxes deducted.

The client is responsible for reporting/paying any taxes due to the relevant tax authorities.","nonIndicativeAerGross":"AER is the Annual Equivalent Rate and indicates what the interest rate would be if interest was compounded and paid once each year. This means it is easier to compare different rates, as different products with the same gross rate might pay interest a different number of times over a year.

Gross rate does not take compounding into account, and means the rate without any tax removed. Interest/profits are paid gross rate. The client is responsible for reporting/paying any taxes due to the relevant tax authorities.","topUpUnavailable":"You can no longer top up on this deposit 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 deposit accounts on the platform.","fundHoldingAccount":{"part3":" is used like a “wallet” to hold your money before you transfer it into deposit accounts. ","part4":"When your deposit accounts mature, or you give notice on a deposit account, your money will be returned to your ","part5":"You can then choose to return your money to your nominated account or open another deposit account."},"savingsAccountsBalanceDate":"The deposit account balance as at {{selectedToDate}}."},"infoPanel":{"subtitle":"Fund your holding account and start opening deposit accounts. Protect and grow your money today."},"howItWorks":{"holdingAccount":"Choose where to place your deposits from a range of investment grade banks.","depositAccount":"Control your deposit accounts, 24 hours a day, 7 days a week. Matured funds will be transferred back to your holding account."},"depositConfirmation":{"depositAccountWillBeProcessed":{"single":"Your deposit account should open within ","multiple":"Your deposit accounts should open within ","topup":"We've received your top-up request and we'll process it within "},"recommandationFailed":"Don’t worry, you can select a different deposit account.","openingAccount":"Typically you can expect your deposit account to be opened within two working days.

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."}},"returnConfirmation":{"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 deposit account."},"addFunds":{"accountInformationCard":{"title":"Make a bank transfer to Flagstone from your nominated account to start placing deposits."}},"labels":{"productCard":{"gross":"Indicative Gross rate","aerGross":"Indicative AER | Gross","termsAndConditionsFitch":"T&Cs","increaseRateNotification":"Rate increased from {{previousNetRate}}% (Gross)","decreaseRateNotification":"Rate decreased from {{previousNetRate}}% (Gross)"},"myFundingProgress":{"openSavingsAccount":"Open deposit accounts"}},"depositAccountSelection":{"titleMultiBasket":"Transfer funds into deposit accounts","selectedProductsUnavailableTitle":"A deposit account in your selection is no longer available","selectedProductsUnavailableDetails":"Click continue to choose a new deposit account."},"depositReviewAndConfirm":{"subTitleText":"Here's everything you need to know about your chosen deposit accounts. You'll need to agree to the Terms & Conditions before you can place your deposits.","chooseNewSavingsIfPrefered":"(AER | Gross). You can choose a new deposit 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 deposit account if you'd prefer.","agreeOnTermsAndConditions":"I've read and agree to the Terms & Conditions of my chosen deposit accounts"},"placeDeposits":{"selectedDepositAccount":"Selected deposit account: #num#","removeProductConfirmation":{"title":"Are you sure you want to remove this deposit account from your selection?","text":"We will remove this deposit account from your selection if you confirm."},"depositAccountNotificationMessage":""},"contact":{"companyName":"Flagstone International Limited","email":"cs@flagstoneinternational.com","clientServicesEmail":"cs@flagstoneinternational.com","address":["3rd Floor, Forum 4, Grenville Street","St. Helier","Jersey","JE2 4UF"]},"companyInfo":{"flagstoneInvestment":"Flagstone International Limited","flagstoneGroupLTD":"Flagstone International Limited","address":"3rd Floor, Forum 4, Grenville Street","addressTown":"St Helier","addressLine2":"Jersey","addressPostCode":"JE2 4UF"},"accountSettings":{"apiErrors":{"changePhoneError":"Sorry, something went wrong. We are unable to complete phone number change.\n\nPlease try again or contact cs@flagstoneinternational.com","changeAddressError":"Sorry, something went wrong. We are unable to complete your address change.\n\nPlease try again or contact cs@flagstoneinternational.com"},"securitySettings":{"twoFactorAuth":{"google":{"methodLabel":"Authenticator app","title":"Set up two-factor authentication (2FA) via an Authenticator app","step1":"1. Download an Authenticator app on your smart phone.","modalTitle":"You’ve set up two-factor authentication using an Authenticator app","modalBody":"We'll request a verification code from your authenticator app each time you log in. ","tooltip":"When you setup an authenticator app 2FA, we will request a verification code from your authenticator app each time you log in.","selectedLabel":"Authenticator app"}}}},"depositAccounts":{"sortLabels":{"sortBy":"Sort deposit accounts by"}},"savingsAccountsStatements":{"pageTitle":"Deposit accounts statements","pageDescription":"See the interest you’ve earned in the deposit accounts you’ve opened. You can filter by a single date.","savingsAccountsBalance":"Deposit accounts balance","savingsAccountBalance":"Deposit account balance","totalSavingsAccountsBalance":"Total deposit accounts balance","dateRange":{"pageTitle":"Deposit accounts","pageDescription":"See the interest you’ve earned in the deposit accounts you’ve opened. You can filter by a range of dates."},"summary":{"savingsAccountsBalance":"Deposit accounts balance"}},"reserve":{"promotedBankTitle":"Latest {{productType}} deposit account from your current bank"},"setupRolloverInfo":{"setupRolloverModalDescription":"Browse our latest rates and setup a rollover for your maturing deposits. Reserve one of our best rate deposit accounts today to make sure you don’t miss out.","FAQListItemOne":"You reserve a new deposit account for auto-rollover in advance.","FAQListItemTwo":"When your fixed term deposit matures, your savings will automatically transferred to the “reserved” deposit account.","FAQCancelRollOverDescription":"You have until your existing deposit account matures, to cancel or amend your rollover instructions."},"engagementLetterNotification":{"interestReceived":"<0>Now, for each deposit account you open through Flagstone, we receive a small <1>share of the interest.","interestReceivedBullets":["We deduct that share before we feature any deposit 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."]},"chooseFundingOption":{"accordionFAQBody1":"You have until your existing deposit account matures, to cancel or amend your rollover instructions. You will be able to do this from your “My Summary” page.","accordionFAQBody2":"We will send you an email to inform you if your deposit 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 deposit account","allFundsRolloverRadioOption":"Rollover all funds into the new deposit account ({{currentBalance}})"},"reserveConfirmation":{"listItem2":"You can cancel or modify your reserved deposit account up until your /current deposit account reaches maturity ({{date}})/"},"newProductVersionAvailable":{"modalStep1":"Withdraw all funds from your existing {{bankName}} {{termType}} deposit account to close it.","modalStep3":"Go to 'Place deposit' and choose the new {{bankName}} {{termType}} deposit account.","modalFaqBody1":"This is a new {{termType}} deposit account from {{bankName}}, so you'll need to follow the usual process for opening a deposit account.","modalFaqTitle2":"Why do I need to close my existing deposit account with {{bankName}}?","modalFaqBody2":"{{bankName}} doesn't let Flagstone clients open more than one {{termType}} deposit 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}} deposit account?","modalFaqBody3":"You'll need to withdraw all the funds in your {{bankName}} {{termType}} deposit account. This will close the deposit account automatically.

If you only withdraw some of the funds, the deposit account won't close, and you won't be able to access the new, higher rate."},"newFeeModelDialog":{"subtitle":"Deposit account, £50,000.00, fixed 12 months, at maturity"},"feeReserveReleasedDialog":{"noActiveDeposits":{"accordion2":{"body1":"Under the new fee model, we'll receive a small share of the interest on each deposit account you open through Flagstone. Our maximum share of interest is 0.25%, but it may be lower for certain accounts."}},"activeDeposits":{"accordion1":{"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 deposit 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 deposit account you open through Flagstone.","body5":"We deduct that share before we feature any deposit account on our platform – so the rate you see will always be the rate you receive."},"accordion2":{"body1":"Say one of our partner banks wants to add a new deposit account to our platform. The Gross interest rate on that account is 4.5%."}}},"nonPooledProduct":{"banner":{"text":"You can no longer top up on this deposit account."},"modal":{"title":"Changes to this deposit account","para2":"This deposit account isn’t set up for this new process, so we’ve made some changes to how it works.","para3":"You will no longer be able to top up on this deposit account, but you can still:","para4":"You may receive interest payments more often from these deposit accounts – but don’t worry, the amount of interest will stay the same.","subtitle2":"How do I transfer funds to another deposit account?","num1":"Withdraw all funds from your existing deposit account to close it.","num3":"Go to ‘Place deposits’ and choose the new deposit account you would like to deposit funds into."}},"taxStatements":{"taxYear":"Year {{year}}","noTaxTooltip":"Your \"Certificate of interest paid\" will be available for you to download here, at the end of the {{year}} tax year, 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 4 weeks of the tax year end."},"notifications":{"introducerReadonlyView":"You are seeing {{clientAccountName}}'s portfolio. You have view only rights.","introducerExecutingView":"You are seeing {{clientAccountName}}'s portfolio. You can make instructions on their behalf."},"aliasModal":{"addAliasTitle":"Add an account name alias","editAliasTitle":"Edit alias","deleteAliasTitle":"Are you sure you want to delete your account alias?","currentAlias":"Current alias","editAliasLabel":"New alias","addAliasLabel":"Account name alias","inputHelperText":"Your alias can be up to 50 characters","inputErrorMin":"Enter an alias to save changes","inputErrorMax":"The alias can be up to 50 characters","addAliasButtonText":"Save alias","editAliasButtonText":"Save changes","deleteAliasButtonPrimaryText":"Confirm","deleteAliasButtonSecondaryText":"Cancel"}}}