Our best Instant Access business savings accounts
Business accounts you can trust, all in one place.
We update this table daily, so rates and banks may change. We’ve already deducted our share of the interest from these rates.
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Paying your interest
For Fixed Rate, (also called ‘Fixed Term’), Instant Access, and Notice accounts, interest is calculated daily. But the frequency of when interest is paid will vary by savings account.
You’ll find more information in the Terms & Conditions of each savings account when you log in to the platform.
What our clients say about us
How Rachel turned a large lump sum into tax-ready cash reserves
After selling her business, Rachel prepared for a significant tax bill by opening multiple high-interest accounts. All through Flagstone.
Since publishing this video, the FSCS protection limit has increased to £120,000 per client, per banking group.
Discover the convenient Cash ISA
Spread savings across multiple banks in one ISA.
Free transfers, flexible withdrawals, and swift sign-up.
Why open Instant Access business savings accounts with Flagstone?
Available
Access your reserves whenever you need them.
Secure
Get FSCS protection on eligible deposits, up to £120,000 per banking group.
Convenient
One sign-up, one platform, one password.
Rewarding
We're committed to offering interest rates that beat the high street.
Convenient cash that scales
Grow your cash reserves. All in one platform.
Flagstone
Manage multiple accounts in one place
Open new accounts in moments
Filter quickly for competitive rates
Traditional savings
Lengthy applications for each account
Capital scattered across platforms
Time-consuming rate research
How Flagstone
makes money
For each account you open with our bank partners through Flagstone, we receive a small share of the interest. We deduct that share before we feature any account on our platform – so the rate you see will always be the rate you receive.
We don’t charge admin, management, or platform fees.
Trusted by more banks
We partner with 40+ FCA regulated banks – more than any other business savings platform.
Your business savings are just the start
Manage your personal cash effortlessly with an individual or joint Flagstone account.
What are Instant Access business savings accounts?
Instant Access savings accounts pay you interest on your business’s cash reserves, while allowing you to access your funds whenever you need them.
Because of this flexibility, interest rates are typically lower than with Fixed Rate business savings accounts, where your money is locked away for a set period.
Can I open Instant Access savings accounts for my business?
Yes. You’ll need to deposit a minimum of £100,000 to join Flagstone for Business. You can split your deposit across different account types – including Instant Access, Fixed Rate, and Notice savings accounts for business.
Can I withdraw anytime from an Instant Access business savings account?
Yes, you can withdraw money any time for free.
You can move your cash into different accounts in the Flagstone platform, or withdraw them to your nominated business current account.
Learn more about how Flagstone for business works.
Are Instant Access business savings accounts worth it?
Instant Access business accounts can grow your cash reserves by paying high interest rates, while letting you withdraw your funds with no delays or fees.
How much money should I keep in an Instant Access business savings account?
How much money you keep in cash reserves is up to you, as it will depend on your company’s specific circumstances and strategic priorities.
There may be limits on how much you can deposit into a single account, depending on the terms and conditions of the accounts you choose to open.
Do you pay tax on Instant Access business savings accounts?
HMRC charges Corporation Tax on the interest you earn on business savings.
Learn how to make the most of your Instant Access business savings accounts
We’re at your service
Still need answers? Whether you’ve opened your Flagstone account or you’re just getting started, we’re here to help.
Call us on +44 (0)203 745 8130, Monday-Friday 9am-5.30pm.