IP CashHub
Smarter cash management. Better returns. Total control.
Many people hold large cash balances in low-interest accounts, missing out on better returns. With IP CashHub, you can make your cash work harder – securely, efficiently, and with minimal hassle.
In partnership with Flagstone, IP CashHub offers access to exclusive rates from more than 60 UK banks, helping you maximise returns, reduce risk, and stay in control.
Why use IP CashHub?
- Earn more with access to exclusive, market-leading rates
- Diversify your savings to enhance FSCS protection
- Choose the accounts that suit your needs: Fixed Term, Instant Access, Notice, and Sharia-compliant
- Manage everything easily in one place with a secure online dashboard
- Stay in control – you own the accounts and direct where your money goes
- Simplify your admin with one application, one login, and one tax statement.
How it works
- Apply online (minimum deposit: £50,000 for individuals/£100,000 for businesses and trusts)
- Fund your holding account – your central cash hub
- Choose and allocate savings across multiple banks
- Track, manage, and optimise your portfolio online
- Get help when you need it – online support is always available.
Transparent fee structure
- What you see is what you earn.
The interest rates displayed on the IP CashHub platform are net of all fees; there are no hidden deductions. - Better rates for ongoing clients.
If you have a service agreement with Intelligent Pensions, we’ll waive our share of the platform fee. This is already reflected in the rates shown, so you enjoy even better returns. - Standard fee model:
Flagstone charges a small service fee (typically up to 0.25%), which includes a portion shared with Intelligent Pensions.
Ready to make your cash work harder?
Speak to your financial planner or contact us today to get started.
Important information
IP CashHub is a facilitation service provided by Intelligent Pensions in partnership with Flagstone. We do not provide advice on the individual banks or savings products available through the platform.
IP CashHub – Frequently Asked Questions
What is IP CashHub?
IP CashHub is a smart cash management service from Intelligent Pensions, delivered in partnership with Flagstone. It gives you access to market-leading interest rates from more than 60 UK banks, allowing you to manage and grow your savings more efficiently – all from one secure online platform.
Why use IP CashHub instead of a regular savings account?
Traditional banks often offer low interest rates. IP CashHub helps you make more of your cash by:
- Accessing exclusive rates
- Diversifying across banks for better FSCS protection
- Managing everything through one simple dashboard.
Who is IP CashHub for?
It’s designed for individuals, joint account holders, businesses, charities and trusts.
What is the minimum deposit?
- Individuals and joint accounts: £50,000
- Businesses, trusts, charities: £100,000.
What types of savings accounts can I access?
You can choose from:
- Instant Access
- Notice accounts
- Fixed Term Deposits
- Sharia-compliant accounts.
Is my money safe?
Yes. Your funds are held in a Flagstone holding account (with HSBC or Barclays) and are protected under the FSCS up to £85,000 per eligible person, per banking group. IP CashHub also helps you spread funds across banks to maximise that protection.
Can I access my money easily?
Yes. You stay in full control. You can move funds at any time, subject to the terms of your chosen savings products (e.g., notice periods or fixed terms).
What are the fees?
There are two models:
- Share of Interest model (for most individuals and businesses): A small share (up to 0.25%) is deducted from the interest rate. This is shared between Flagstone and Intelligent Pensions. If you have an ongoing service agreement with us, we rebate our share (typically 15%) to you in full.
- Management Fee model (for trusts, SIPPs, SSAS, charities, POA): A monthly fee (up to 0.25%) and a one-off £500 admin fee, both taken from a reserved amount in your holding account.
Can Intelligent Pensions recommend specific savings products?
No. IP CashHub is a facilitation service. While we provide access to the platform, we don’t offer advice on individual banks or products. You stay in control and make your own selections.
How do I get started?
It’s quick and easy:
- Apply online
- Fund your holding account
- Start allocating savings into the accounts that suit your needs
- Monitor and manage everything through your dashboard.
What does Intelligent Pensions charge for using IP CashHub?
Intelligent Pensions does not charge you directly for using the IP CashHub service.
Flagstone, our trusted partner, charges a small service fee (typically up to 0.25%) for using the platform. This fee is already factored into the interest rates you see – so there are no hidden deductions. A portion of this fee (typically 15%) is shared with Intelligent Pensions.
If you have an ongoing service agreement with us, we’ll rebate our share of the fee in full, meaning you benefit from higher net interest rates and even better value.
We provide access to the platform as a facilitation service and do not offer advice on the individual banks or savings products available through it.