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Access up to 60+ banking partners to maximise your clients' interest and FSCS protection - if eligible.

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New referred individual and joint clients will be on the Share of Interest model. This means for each savings account your client opens, Flagstone will receive a small share of the interest (up to 0.30%), shared with you. This share of interest will reduce if you choose to waive your portion of the commission.

Flagstone deducts that share from the interest rate before it features any savings account on the platform – so the rate your client sees, will always be the rate they receive.

There are no monthly management or administration fees on this fee model.
Bank

SmartSave

AER | Gross

5.15% | 5.03%

5.15% | 5.03%

Term

Notice account 120 Day

Notice account 120 Day

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

5.10% | 4.98%

5.10% | 4.98%

Term

Notice account 95 Day

Notice account 95 Day

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

LHV Bank

AER | Gross

5.09% | 4.98%

5.09% | 4.98%

Term

Notice account 95 Day

Notice account 95 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

5.06% | 4.97%

5.06% | 4.97%

Term

Fixed 3 Month

Fixed 3 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

5.04% | 4.98%

5.04% | 4.98%

Term

Fixed 6 Month

Fixed 6 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.96% | 4.85%

4.96% | 4.85%

Term

Instant access

Instant access

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Sainsburys Bank

AER | Gross

4.91% | 4.86%

4.91% | 4.86%

Term

Fixed 6 Month

Fixed 6 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

The Bank of London

AER | Gross

4.91% | 4.80%

4.91% | 4.80%

Term

Instant access

Instant access

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Allica Bank

AER | Gross

4.91% | 4.80%

4.91% | 4.80%

Term

Notice account 180 Day

Notice account 180 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

4.89% | 4.79%

4.89% | 4.79%

Term

Notice account 45 Day

Notice account 45 Day

Max deposit

£500,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.88% | 4.88%

4.88% | 4.88%

Term

Fixed 12 Month

Fixed 12 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

ABC Bank

AER | Gross

4.88% | 4.78%

4.88% | 4.78%

Term

Fixed 1 Month

Fixed 1 Month

Max deposit

£3,000,000

Eligible for FSCS protection

Yes

Bank

ABC Bank

AER | Gross

4.87% | 4.78%

4.87% | 4.78%

Term

Fixed 2 Month

Fixed 2 Month

Max deposit

£3,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.86% | 4.84%

4.86% | 4.84%

Term

Fixed 9 Month

Fixed 9 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

ABC Bank

AER | Gross

4.86% | 4.78%

4.86% | 4.78%

Term

Fixed 3 Month

Fixed 3 Month

Max deposit

£3,000,000

Eligible for FSCS protection

Yes

Bank

Principality

AER | Gross

4.86% | 4.75%

4.86% | 4.75%

Term

Notice account 90 Day

Notice account 90 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Mizrahi Tefahot Bank

AER | Gross

4.85% | 4.85%

4.85% | 4.85%

Term

Fixed 12 Month

Fixed 12 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Castle Trust Bank

AER | Gross

4.84% | 4.82%

4.84% | 4.82%

Term

Fixed 9 Month

Fixed 9 Month

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Hampshire Trust Bank

AER | Gross

4.81% | 4.70%

4.81% | 4.70%

Term

Instant access

Instant access

Max deposit

£250,000

Eligible for FSCS protection

Yes

Bank

Allica Bank

AER | Gross

4.81% | 4.70%

4.81% | 4.70%

Term

Notice account 35 Day

Notice account 35 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Allica Bank

AER | Gross

4.80% | 4.69%

4.80% | 4.69%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Investec

AER | Gross

4.79% | 4.70%

4.79% | 4.70%

Term

Fixed 2 Month

Fixed 2 Month

Max deposit

£10,000,000

Eligible for FSCS protection

Yes

Bank

The Bank of London

AER | Gross

4.79% | 4.68%

4.79% | 4.68%

Term

Notice account 45 Day

Notice account 45 Day

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.75% | 4.75%

4.75% | 4.75%

Term

Fixed 15 Month

Fixed 15 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Hampshire Trust Bank

AER | Gross

4.75% | 4.75%

4.75% | 4.75%

Term

Fixed 2 Year

Fixed 2 Year

Max deposit

£250,000

Eligible for FSCS protection

Yes

Bank

Investec

AER | Gross

4.75% | 4.65%

4.75% | 4.65%

Term

Fixed 1 Month

Fixed 1 Month

Max deposit

£10,000,000

Eligible for FSCS protection

Yes

Bank

The Bank of London

AER | Gross

4.73% | 4.63%

4.73% | 4.63%

Term

Notice account 35 Day

Notice account 35 Day

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Principality

AER | Gross

4.65% | 4.55%

4.65% | 4.55%

Term

Notice account 30 Day

Notice account 30 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

LHV Bank

AER | Gross

4.64% | 4.55%

4.64% | 4.55%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.61% | 4.61%

4.61% | 4.61%

Term

Fixed 18 Month

Fixed 18 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Hampshire Trust Bank

AER | Gross

4.53% | 4.53%

4.53% | 4.53%

Term

Fixed 18 Month

Fixed 18 Month

Max deposit

£250,000

Eligible for FSCS protection

Yes

Bank

GB Bank

AER | Gross

4.53% | 4.44%

4.53% | 4.44%

Term

Notice account 65 Day

Notice account 65 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.51% | 4.51%

4.51% | 4.51%

Term

Fixed 2 Year

Fixed 2 Year

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Kroo Bank

AER | Gross

4.45% | 4.36%

4.45% | 4.36%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

4.43% | 4.35%

4.43% | 4.35%

Term

Instant access

Instant access

Max deposit

£85,000

Eligible for FSCS protection

Yes

Bank

Al Rayan Bank

AER | Gross

4.40% | 4.40%

4.40% | 4.40%

Term

Fixed 3 Year

Fixed 3 Year

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

4.38% | 4.38%

4.38% | 4.38%

Term

Fixed 3 Year

Fixed 3 Year

Max deposit

£2,000,000

Eligible for FSCS protection

Yes

Bank

GB Bank

AER | Gross

4.34% | 4.25%

4.34% | 4.25%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Kingdom Bank

AER | Gross

4.33% | 4.25%

4.33% | 4.25%

Term

Notice account 120 Day

Notice account 120 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Al Rayan Bank

AER | Gross

4.30% | 4.30%

4.30% | 4.30%

Term

Fixed 5 Year

Fixed 5 Year

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

OakNorth

AER | Gross

4.30% | 4.22%

4.30% | 4.22%

Term

Instant access

Instant access

Max deposit

£85,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

4.28% | 4.28%

4.28% | 4.28%

Term

Fixed 5 Year

Fixed 5 Year

Max deposit

£2,000,000

Eligible for FSCS protection

Yes

Bank

IsBank

AER | Gross

4.25% | 4.25%

4.25% | 4.25%

Term

Fixed 15 Month

Fixed 15 Month

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

IsBank

AER | Gross

4.25% | 4.25%

4.25% | 4.25%

Term

Fixed 7 Year

Fixed 7 Year

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

IsBank

AER | Gross

4.25% | 4.25%

4.25% | 4.25%

Term

Fixed 4 Year

Fixed 4 Year

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Santander International

AER | Gross

4.23% | 4.15%

4.23% | 4.15%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

iFast Global Bank Limited

AER | Gross

4.08% | 4.00%

4.08% | 4.00%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

3.98% | 3.98%

3.98% | 3.98%

Term

Fixed 4 Year

Fixed 4 Year

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Kingdom Bank

AER | Gross

3.55% | 3.50%

3.55% | 3.50%

Term

Notice account 90 Day

Notice account 90 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

3.35% | 3.35%

3.35% | 3.35%

Term

Fixed 7 Year

Fixed 7 Year

Max deposit

£2,000,000

Eligible for FSCS protection

Yes

Bank

Principality

AER | Gross

3.30% | 3.25%

3.30% | 3.25%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Nationwide

AER | Gross

2.12% | 2.10%

2.12% | 2.10%

Term

Instant access

Instant access

Max deposit

£10,000,000

Eligible for FSCS protection

Yes

Bank

Reliance Bank

AER | Gross

1.91% | 1.90%

1.91% | 1.90%

Term

Instant access

Instant access

Max deposit

£170,000

Eligible for FSCS protection

Yes

Bank

Kingdom Bank

AER | Gross

1.66% | 1.65%

1.66% | 1.65%

Term

Notice account 32 Day

Notice account 32 Day

Max deposit

£170,000

Eligible for FSCS protection

Yes

Rates are subject to change or withdrawal.

Different savings accounts and rates will be available to your client, based on whether they're an individual or joint client, or a UK-based business, charity, trust, SIPP or SSAS client.

For Fixed Term 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.

Rates correct as of 12 April 2024.

Our partner banks

Your clients can browse and choose market-leading and exclusive interest rates from up to 60+ banks.

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?

For individual clients, there are no admin or management fees to pay.

Rather than drain your savings with high fees, we use a ‘share of interest’ model instead. That means we take a small cut of our partner banks’ interest rates – up to 0.30%.

We deduct this before any rates appear on our platform – so the rate you see will always be the rate you receive.

For business and charity clients, 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 company, charity and trust clients.

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.

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