Managing Your Cash

However complex your financial arrangements become, maintaining a reserve of cash is likely to remain important for almost everyone.

From short-term saving to meeting unexpected expenses, there are always times when only cash will do. You may want to hold onto some cash for a rainy day, or perhaps you’re just looking for a temporary home for a larger sum before it’s moved elsewhere. Either way, we’ll help you find the right home for your cash.


If it’s the right solution for your circumstances, we’ll introduce you to the St. James’s Place preferred cash management service powered by Flagstone.

This is a cash management portal that you access online, allowing you to manage cash deposits across a wide range of provider banks and deposit accounts.

With just one application required, this quick and convenient solution means you can switch between banks and accounts in seconds, finding the best interest rates and diversifying to minimise risk.

The Flagstone cash management service is available to personal clients willing to deposit between £50,000 and £250,000 of savings. There is another service for personal clients, business clients, charity clients, and holders of SIPP/SSAS and other trust accounts with more than £250,000 to place into instant access, fixed and notice accounts.


We work closely with Metro Bank to offer access to a number of different savings accounts, including instant access, fixed term, cash ISAs, and trust accounts.

Please note the services above involve the referral to a service that is separate and distinct to those offered by St. James’s Place.