Our latest banks and interest rates

Access up to 50+ banking partners to maximise your clients' interest and FSCS protection - if eligible.

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Rates are shown gross of Flagstone's Annual Management Charge, illustrating what the interest rate would be before the management fee is deducted. The annual management fee is between 0.15% p.a. and 0.25% p.a. depending on the value of deposits you hold on our platform. For deposits of £250K or more, a one time setup fee of £500 will be payable and automatically taken from your initial deposit. This administration fee applies to all Individual, Joint, company, charity and trust clients. No admin fee is charged for deposits between £50,000 to £249,999. See our fee schedule.

SmartSave
Bank

SmartSave

Gross

3.91%

3.91%

Term

Instant access

Instant access

Max deposit

£1m

Eligible for FSCS protection

Yes

Skipton
Bank

Skipton

Gross

3.90%

3.90%

Term

Instant access

Instant access

Max deposit

£5m

Eligible for FSCS protection

No

Allica Bank
Bank

Allica Bank

Gross

3.76%

3.76%

Term

Instant access

Instant access

Max deposit

£85k

Eligible for FSCS protection

Yes

OakNorth
Bank

OakNorth

Gross

3.26%

3.26%

Term

Instant access

Instant access

Max deposit

£2m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

2.50%

2.50%

Term

Instant access

Instant access

Max deposit

$1m

Eligible for FSCS protection

Yes

Metro Bank
Bank

Metro Bank

Gross

0.75%

0.75%

Term

Instant access

Instant access

Max deposit

£85k

Eligible for FSCS protection

Yes

Shawbrook
Bank

Shawbrook

Gross

0.60%

0.60%

Term

Instant access

Instant access

Max deposit

£85k

Eligible for FSCS protection

Yes

Principality
Bank

Principality

Gross

3.90%

3.90%

Term

Notice account 30 days

Notice account 30 days

Max deposit

£170k

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

3.80%

3.80%

Term

Fixed 1 month

Fixed 1 month

Max deposit

£15m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

3.16%

3.16%

Term

Fixed 1 month

Fixed 1 month

Max deposit

£1m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

2.50%

2.50%

Term

Fixed 1 month

Fixed 1 month

Max deposit

$170k

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

0.30%

0.30%

Term

Fixed 1 month

Fixed 1 month

Max deposit

€170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

3.91%

3.91%

Term

Notice account 35 days

Notice account 35 days

Max deposit

£170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

3.91%

3.91%

Term

Notice account 35 days

Notice account 35 days

Max deposit

£85k

Eligible for FSCS protection

Yes

Nationwide
Bank

Nationwide

Gross

2.85%

2.85%

Term

Notice account 35 days

Notice account 35 days

Max deposit

£10m

Eligible for FSCS protection

Yes

BLME
Bank

BLME

Gross

4.50%

4.50%

Term

Fixed 3 months

Fixed 3 months

Max deposit

£2m

Eligible for FSCS protection

Yes

BLME
Bank

BLME

Gross

4.50%

4.50%

Term

Fixed 3 months

Fixed 3 months

Max deposit

£2m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

4.50%

4.50%

Term

Fixed 3 months

Fixed 3 months

Max deposit

$170k

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

4.45%

4.45%

Term

Fixed 3 months

Fixed 3 months

Max deposit

£3m

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

4.45%

4.45%

Term

Fixed 3 months

Fixed 3 months

Max deposit

£15m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.31%

4.31%

Term

Fixed 3 months

Fixed 3 months

Max deposit

£1m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

4.25%

4.25%

Term

Fixed 3 months

Fixed 3 months

Max deposit

$10m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

4.20%

4.20%

Term

Fixed 3 months

Fixed 3 months

Max deposit

$10m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

4.15%

4.15%

Term

Fixed 3 months

Fixed 3 months

Max deposit

$10m

Eligible for FSCS protection

Yes

iFast Global Bank Limited
Bank

iFast Global Bank Limited

Gross

3.68%

3.68%

Term

Fixed 3 months

Fixed 3 months

Max deposit

£85k

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

0.75%

0.75%

Term

Fixed 3 months

Fixed 3 months

Max deposit

€3m

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

0.75%

0.75%

Term

Fixed 3 months

Fixed 3 months

Max deposit

€15m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

0.30%

0.30%

Term

Fixed 3 months

Fixed 3 months

Max deposit

€170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

4.02%

4.02%

Term

Notice account 95 days

Notice account 95 days

Max deposit

£170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

4.02%

4.02%

Term

Notice account 95 days

Notice account 95 days

Max deposit

£85k

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

3.92%

3.92%

Term

Notice account 95 days

Notice account 95 days

Max deposit

£10m

Eligible for FSCS protection

Yes

GB Bank
Bank

GB Bank

Gross

3.74%

3.74%

Term

Notice account 95 days

Notice account 95 days

Max deposit

£85k

Eligible for FSCS protection

Yes

Santander International
Bank

Santander International

Gross

3.65%

3.65%

Term

Notice account 95 days

Notice account 95 days

Max deposit

£85k

Eligible for FSCS protection

Yes

ICICI Bank
Bank

ICICI Bank

Gross

3.54%

3.54%

Term

Notice account 95 days

Notice account 95 days

Max deposit

£85k

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

3.40%

3.40%

Term

Notice account 95 days

Notice account 95 days

Max deposit

$2m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

1.25%

1.25%

Term

Notice account 95 days

Notice account 95 days

Max deposit

€2m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

5.00%

5.00%

Term

Fixed 6 months

Fixed 6 months

Max deposit

$170k

Eligible for FSCS protection

Yes

BLME
Bank

BLME

Gross

4.70%

4.70%

Term

Fixed 6 months

Fixed 6 months

Max deposit

£2m

Eligible for FSCS protection

Yes

BLME
Bank

BLME

Gross

4.70%

4.70%

Term

Fixed 6 months

Fixed 6 months

Max deposit

£2m

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

4.64%

4.64%

Term

Fixed 6 months

Fixed 6 months

Max deposit

£170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

4.64%

4.64%

Term

Fixed 6 months

Fixed 6 months

Max deposit

£85k

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.53%

4.53%

Term

Fixed 6 months

Fixed 6 months

Max deposit

£1m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

4.50%

4.50%

Term

Fixed 6 months

Fixed 6 months

Max deposit

$170k

Eligible for FSCS protection

Yes

Hampden & Co
Bank

Hampden & Co

Gross

4.25%

4.25%

Term

Fixed 6 months

Fixed 6 months

Max deposit

£85k

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

2.45%

2.45%

Term

Fixed 6 months

Fixed 6 months

Max deposit

$10m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

2.40%

2.40%

Term

Fixed 6 months

Fixed 6 months

Max deposit

$10m

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

1.00%

1.00%

Term

Fixed 6 months

Fixed 6 months

Max deposit

€3m

Eligible for FSCS protection

Yes

ABC Bank
Bank

ABC Bank

Gross

1.00%

1.00%

Term

Fixed 6 months

Fixed 6 months

Max deposit

€15m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

0.50%

0.50%

Term

Fixed 6 months

Fixed 6 months

Max deposit

€170k

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

5.50%

5.50%

Term

Fixed 12 months

Fixed 12 months

Max deposit

$170k

Eligible for FSCS protection

Yes

SmartSave
Bank

SmartSave

Gross

5.26%

5.26%

Term

Fixed 12 months

Fixed 12 months

Max deposit

£1m

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

5.17%

5.17%

Term

Fixed 12 months

Fixed 12 months

Max deposit

£170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

5.17%

5.17%

Term

Fixed 12 months

Fixed 12 months

Max deposit

£85k

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

5.06%

5.06%

Term

Fixed 12 months

Fixed 12 months

Max deposit

£10m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

5.06%

5.06%

Term

Fixed 12 months

Fixed 12 months

Max deposit

£10m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

5.01%

5.01%

Term

Fixed 12 months

Fixed 12 months

Max deposit

£1m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

4.70%

4.70%

Term

Fixed 12 months

Fixed 12 months

Max deposit

$5m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

4.00%

4.00%

Term

Fixed 12 months

Fixed 12 months

Max deposit

$5m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

4.00%

4.00%

Term

Fixed 12 months

Fixed 12 months

Max deposit

$5m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

3.95%

3.95%

Term

Fixed 12 months

Fixed 12 months

Max deposit

$10m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

3.90%

3.90%

Term

Fixed 12 months

Fixed 12 months

Max deposit

$10m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

2.80%

2.80%

Term

Fixed 12 months

Fixed 12 months

Max deposit

€5m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

1.75%

1.75%

Term

Fixed 12 months

Fixed 12 months

Max deposit

€5m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

1.75%

1.75%

Term

Fixed 12 months

Fixed 12 months

Max deposit

€5m

Eligible for FSCS protection

Yes

IsBank
Bank

IsBank

Gross

1.50%

1.50%

Term

Fixed 12 months

Fixed 12 months

Max deposit

€170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

5.17%

5.17%

Term

Fixed 18 months

Fixed 18 months

Max deposit

£170k

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

5.17%

5.17%

Term

Fixed 18 months

Fixed 18 months

Max deposit

£85k

Eligible for FSCS protection

Yes

SmartSave
Bank

SmartSave

Gross

5.11%

5.11%

Term

Fixed 18 months

Fixed 18 months

Max deposit

£1m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

5.03%

5.03%

Term

Fixed 18 months

Fixed 18 months

Max deposit

£10m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

5.03%

5.03%

Term

Fixed 18 months

Fixed 18 months

Max deposit

£10m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.77%

4.77%

Term

Fixed 18 months

Fixed 18 months

Max deposit

£1m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

3.00%

3.00%

Term

Fixed 18 months

Fixed 18 months

Max deposit

$10m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

2.95%

2.95%

Term

Fixed 18 months

Fixed 18 months

Max deposit

$10m

Eligible for FSCS protection

Yes

FCMB Bank (UK) Limited
Bank

FCMB Bank (UK) Limited

Gross

2.90%

2.90%

Term

Fixed 18 months

Fixed 18 months

Max deposit

$10m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

5.35%

5.35%

Term

Fixed 2 years

Fixed 2 years

Max deposit

£5m

Eligible for FSCS protection

Yes

SmartSave
Bank

SmartSave

Gross

5.26%

5.26%

Term

Fixed 2 years

Fixed 2 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

5.00%

5.00%

Term

Fixed 2 years

Fixed 2 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

5.00%

5.00%

Term

Fixed 2 years

Fixed 2 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Allica Bank
Bank

Allica Bank

Gross

4.91%

4.91%

Term

Fixed 2 years

Fixed 2 years

Max deposit

£85k

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.76%

4.76%

Term

Fixed 2 years

Fixed 2 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

3.00%

3.00%

Term

Fixed 2 years

Fixed 2 years

Max deposit

€5m

Eligible for FSCS protection

Yes

Investec
Bank

Investec

Gross

5.45%

5.45%

Term

Fixed 3 years

Fixed 3 years

Max deposit

£5m

Eligible for FSCS protection

Yes

SmartSave
Bank

SmartSave

Gross

5.21%

5.21%

Term

Fixed 3 years

Fixed 3 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 3 years

Fixed 3 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 3 years

Fixed 3 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.26%

4.26%

Term

Fixed 3 years

Fixed 3 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.26%

4.26%

Term

Fixed 3 years

Fixed 3 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 4 years

Fixed 4 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 4 years

Fixed 4 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 4 years

Fixed 4 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.01%

4.01%

Term

Fixed 4 years

Fixed 4 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

4.01%

4.01%

Term

Fixed 4 years

Fixed 4 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Sainsburys Bank
Bank

Sainsburys Bank

Gross

3.75%

3.75%

Term

Fixed 4 years

Fixed 4 years

Max deposit

£1m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 5 years

Fixed 5 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Cambridge and Counties
Bank

Cambridge and Counties

Gross

4.60%

4.60%

Term

Fixed 5 years

Fixed 5 years

Max deposit

£5m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 5 years

Fixed 5 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Cambridge and Counties
Bank

Cambridge and Counties

Gross

4.60%

4.60%

Term

Fixed 5 years

Fixed 5 years

Max deposit

£5m

Eligible for FSCS protection

Yes

Aldermore
Bank

Aldermore

Gross

4.60%

4.60%

Term

Fixed 5 years

Fixed 5 years

Max deposit

£10m

Eligible for FSCS protection

Yes

Cambridge and Counties
Bank

Cambridge and Counties

Gross

4.60%

4.60%

Term

Fixed 5 years

Fixed 5 years

Max deposit

£5m

Eligible for FSCS protection

Yes

Rates are subject to change or withdrawal and are shown gross of Flagstone's Annual Management Charge, illustrating what the interest rate would be before the management fee is deducted. Rates correct as at 8 June 2023.

For Fixed Term Deposit Accounts, interest is paid at the end of the term. For details of how interest is paid on Instant Access Accounts and Notice Accounts, please refer to the Terms & Conditions for the specific account available on the platform.

The Flagstone platform is available to individual and joint applicants who are resident in the UK and 18 years of age or older. Accounts are also available to UK-registered companies, charities and trusts (including SIPPs and SSASs). The minimum amount required to open a Flagstone account is currently £50,000 for individual and joint applicants, and £250k for companies, charities and trusts.

Dependent upon whether you are an individual, looking to open a joint account, or acting on behalf of a company, charity, trust, SIPP or SSAS; different banks, accounts and rates will be available to you on the platform. The number of accounts available to clients may also be reduced dependent upon their domicile, residency and other factors.

Our partner banks

Your clients can browse and choose market-leading and exclusive interest rates from up to 50+ banks.
ABC Bank
Aldermore
Allica Bank
Allied Irish Bank
Alpha Bank
Arbuthnot Latham
BLME
Cambridge and Counties
Castle Trust Bank
Cater Allen
Charity Bank
Charter Savings Bank

Frequently asked questions

How are you able to offer competitive rates?

As the UK's leading cash deposit platform, the volume of deposits placed with us, and the relationships developed with our partner banks gives us access to exclusive, best-in-class deposit rates for our clients.

What are your fees?

There is an annual management fee of between 0.15% p.a. and 0.25% p.a. depending on the value of deposits you
hold on our platform.

For deposits of £250k or more, a one time setup fee of £500 will be payable and automatically taken from your initial deposit. For US Dollar accounts this fee is $500 and for Euro Accounts it is €500. This admin fee applies to all Individual, Joint, company, charity and trust clients.

No Administration fee is charged for deposits between £50,000 to £249,999.

Make your clients' money work harder.

Use our cash deposit calculator to see how much interest your client could be earning, while spreading their deposits to maximise FSCS protection, if eligible.

Get a personalised illustration