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Our latest banks and interest rates

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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 logo
Bank SmartSave
AER 3.21%
Term Instant access
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
Exclusive rate
GB Bank logo
Bank GB Bank
AER 3.20%
Term Instant access
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
Exclusive rate
Principality Building Society logo
Bank Principality Building Society
AER 3.40%
Term Notice account 30 days
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
Exclusive rate
GB Bank logo
Bank GB Bank
AER 3.30%
Term Fixed 1 month
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
Exclusive rate
SmartSave logo
Bank SmartSave
AER 3.63%
Term Fixed 3 months
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
HSBC Jersey logo
Bank HSBC Jersey
AER 3.62%
Term Fixed 3 months
Max Maximum
deposit £85k
FSCS Protection
Eligible for FSCS protection No
Exclusive rate
Santander International logo
Bank Santander International
AER 3.65%
Term Notice account 95 days
Max Maximum
deposit £85k
FSCS Protection
Eligible for FSCS protection Yes
Exclusive rate
GB Bank logo
Bank GB Bank
AER 3.45%
Term Notice account 95 days
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
Nationwide logo
Bank Nationwide
AER 4.00%
Term Fixed 6 months
Max Maximum
deposit £10m
FSCS Protection
Eligible for FSCS protection Yes
Exclusive rate
SmartSave logo
Bank SmartSave
AER 3.92%
Term Fixed 6 months
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
SmartSave logo
Bank SmartSave
AER 4.43%
Term Fixed 12 months
Max Maximum
deposit £170k
FSCS Protection
Eligible for FSCS protection Yes
OakNorth Bank logo
Bank OakNorth Bank
AER 4.35%
Term Fixed 12 months
Max Maximum
deposit £500k
FSCS Protection
Eligible for FSCS protection Yes
Hampshire Trust Bank logo
Bank Hampshire Trust Bank
AER 4.40%
Term Fixed 18 months
Max Maximum
deposit £250k
FSCS Protection
Eligible for FSCS protection Yes
OakNorth Bank logo
Bank OakNorth Bank
AER 4.40%
Term Fixed 18 months
Max Maximum
deposit £1m
FSCS Protection
Eligible for FSCS protection Yes
Hampshire Trust Bank logo
Bank Hampshire Trust Bank
AER 4.50%
Term Fixed 2 years
Max Maximum
deposit £250k
FSCS Protection
Eligible for FSCS protection Yes
OakNorth Bank logo
Bank OakNorth Bank
AER 4.46%
Term Fixed 2 years
Max Maximum
deposit £1m
FSCS Protection
Eligible for FSCS protection Yes
OakNorth Bank logo
Bank OakNorth Bank
AER 4.51%
Term Fixed 3 years
Max Maximum
deposit £1m
FSCS Protection
Eligible for FSCS protection Yes
Bank of London & the Middle East logo
Bank Bank of London & the Middle East
AER 4.20%
Term Fixed 3 years
Max Maximum
deposit £2m
FSCS Protection
Eligible for FSCS protection Yes
OakNorth Bank logo
Bank OakNorth Bank
AER 4.52%
Term Fixed 4 years
Max Maximum
deposit £1m
FSCS Protection
Eligible for FSCS protection Yes
Bank of London & the Middle East logo
Bank Bank of London & the Middle East
AER 4.20%
Term Fixed 4 years
Max Maximum
deposit £2m
FSCS Protection
Eligible for FSCS protection Yes
OakNorth Bank logo
Bank OakNorth Bank
AER 4.53%
Term Fixed 5 years
Max Maximum
deposit £1m
FSCS Protection
Eligible for FSCS protection Yes
State Bank of India logo
Bank State Bank of India
AER 4.25%
Term Fixed 5 years
Max Maximum
deposit £250k
FSCS Protection
Eligible for FSCS protection Yes
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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 24 March 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 £1 million 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 may also be reduced dependent upon client factors.

Our partner banks

Browse and choose market-leading and exclusive interest rates from up to 45+ banks.
Allica Bank
Allied Irish Bank
Bank ABC
Aldermore
Alpha Bank
Arbuthnot Latham & Co
Bank of London & the Middle East
Cambridge and Counties Bank
Castle Trust Bank
Cater Allen
Charity Bank
Charter Savings Bank
View all

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 Instant Access, Notice and Fixed Term accounts?

With Instant Access Accounts, you can deposit and withdraw your money at any time.

With Notice Accounts, you can withdraw your money in the future, by giving notice to the bank. For example, 30 days' notice means you would give the bank notice and withdraw your funds 30 days later.

A Fixed Term Deposit Account has a specific term (e.g. 3 months or 12 months). Once a Fixed Term Deposit Account is open and funded it cannot be broken until the end of the term.

This means that your cash is locked up in the account for the full length of the term, after which it automatically returns to your holding account with the interest that has accrued on the deposit.

How is my money protected?

All UK-based banks and building societies on our platform are members of the Financial Service Compensation Scheme (FSCS). This allows your clients to protect their savings by spreading their cash across several banks or building societies, and receive the FSCS protection of £85K each time (£170K for joint accounts), if eligible.

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 money work harder.

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

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