Our partner banks and interest rates
Discover the latest rates, available to individual and joint Flagstone account holders.
The rates you will find in the platform will depend on your personal circumstances, and the type of account you would like to open with Flagstone. The rates shown here have already had our share of interest deducted, so the rate you see is the rate you will receive. You can learn more about share of interest here.
SmartSave
5.21% | 5.12%
5.21% | 5.12%
Fixed 3 Month
Fixed 3 Month
£1,000,000
Yes
SmartSave
5.19% | 5.13%
5.19% | 5.13%
Fixed 6 Month
Fixed 6 Month
£1,000,000
Yes
SmartSave
5.15% | 5.03%
5.15% | 5.03%
Notice account 120 Day
Notice account 120 Day
£1,000,000
Yes
SmartSave
5.10% | 4.98%
5.10% | 4.98%
Notice account 95 Day
Notice account 95 Day
£1,000,000
Yes
LHV Bank
5.09% | 4.98%
5.09% | 4.98%
Notice account 95 Day
Notice account 95 Day
£170,000
Yes
The Bank of London
5.02% | 4.90%
5.02% | 4.90%
Instant access
Instant access
£1,000,000
Yes
SmartSave
4.96% | 4.85%
4.96% | 4.85%
Instant access
Instant access
£1,000,000
Yes
Sainsburys Bank
4.91% | 4.86%
4.91% | 4.86%
Fixed 6 Month
Fixed 6 Month
£1,000,000
Yes
Allica Bank
4.91% | 4.80%
4.91% | 4.80%
Notice account 180 Day
Notice account 180 Day
£170,000
Yes
Shawbrook
4.89% | 4.79%
4.89% | 4.79%
Notice account 45 Day
Notice account 45 Day
£500,000
Yes
SmartSave
4.88% | 4.88%
4.88% | 4.88%
Fixed 12 Month
Fixed 12 Month
£1,000,000
Yes
ABC Bank
4.88% | 4.78%
4.88% | 4.78%
Fixed 1 Month
Fixed 1 Month
£3,000,000
Yes
ABC Bank
4.87% | 4.78%
4.87% | 4.78%
Fixed 2 Month
Fixed 2 Month
£3,000,000
Yes
SmartSave
4.86% | 4.84%
4.86% | 4.84%
Fixed 9 Month
Fixed 9 Month
£1,000,000
Yes
ABC Bank
4.86% | 4.78%
4.86% | 4.78%
Fixed 3 Month
Fixed 3 Month
£3,000,000
Yes
Principality
4.86% | 4.75%
4.86% | 4.75%
Notice account 90 Day
Notice account 90 Day
£170,000
Yes
Al Rayan Bank
4.85% | 4.85%
4.85% | 4.85%
Fixed 12 Month
Fixed 12 Month
£170,000
Yes
Castle Trust Bank
4.84% | 4.82%
4.84% | 4.82%
Fixed 9 Month
Fixed 9 Month
£170,000
Yes
Hampshire Trust Bank
4.81% | 4.70%
4.81% | 4.70%
Instant access
Instant access
£250,000
Yes
Allica Bank
4.81% | 4.70%
4.81% | 4.70%
Notice account 35 Day
Notice account 35 Day
£170,000
Yes
Allica Bank
4.80% | 4.69%
4.80% | 4.69%
Instant access
Instant access
£170,000
Yes
Investec
4.79% | 4.70%
4.79% | 4.70%
Fixed 2 Month
Fixed 2 Month
£10,000,000
Yes
The Bank of London
4.79% | 4.68%
4.79% | 4.68%
Notice account 45 Day
Notice account 45 Day
£1,000,000
Yes
SmartSave
4.75% | 4.75%
4.75% | 4.75%
Fixed 15 Month
Fixed 15 Month
£1,000,000
Yes
Hampshire Trust Bank
4.75% | 4.75%
4.75% | 4.75%
Fixed 2 Year
Fixed 2 Year
£250,000
Yes
Investec
4.75% | 4.65%
4.75% | 4.65%
Fixed 1 Month
Fixed 1 Month
£10,000,000
Yes
The Bank of London
4.73% | 4.63%
4.73% | 4.63%
Notice account 35 Day
Notice account 35 Day
£1,000,000
Yes
Al Rayan Bank
4.65% | 4.65%
4.65% | 4.65%
Fixed 3 Year
Fixed 3 Year
£170,000
Yes
Principality
4.65% | 4.55%
4.65% | 4.55%
Notice account 30 Day
Notice account 30 Day
£170,000
Yes
LHV Bank
4.64% | 4.55%
4.64% | 4.55%
Instant access
Instant access
£170,000
Yes
SmartSave
4.61% | 4.61%
4.61% | 4.61%
Fixed 18 Month
Fixed 18 Month
£1,000,000
Yes
Al Rayan Bank
4.55% | 4.55%
4.55% | 4.55%
Fixed 18 Month
Fixed 18 Month
£170,000
Yes
Al Rayan Bank
4.55% | 4.55%
4.55% | 4.55%
Fixed 5 Year
Fixed 5 Year
£170,000
Yes
GB Bank
4.53% | 4.44%
4.53% | 4.44%
Notice account 65 Day
Notice account 65 Day
£170,000
Yes
SmartSave
4.51% | 4.51%
4.51% | 4.51%
Fixed 2 Year
Fixed 2 Year
£1,000,000
Yes
Kroo Bank
4.45% | 4.36%
4.45% | 4.36%
Instant access
Instant access
£170,000
Yes
Shawbrook
4.43% | 4.35%
4.43% | 4.35%
Instant access
Instant access
£85,000
Yes
Shawbrook
4.38% | 4.38%
4.38% | 4.38%
Fixed 3 Year
Fixed 3 Year
£2,000,000
Yes
GB Bank
4.34% | 4.25%
4.34% | 4.25%
Instant access
Instant access
£170,000
Yes
Kingdom Bank
4.33% | 4.25%
4.33% | 4.25%
Notice account 120 Day
Notice account 120 Day
£170,000
Yes
OakNorth
4.30% | 4.22%
4.30% | 4.22%
Instant access
Instant access
£85,000
Yes
Shawbrook
4.28% | 4.28%
4.28% | 4.28%
Fixed 5 Year
Fixed 5 Year
£2,000,000
Yes
IsBank
4.25% | 4.25%
4.25% | 4.25%
Fixed 15 Month
Fixed 15 Month
£170,000
Yes
IsBank
4.25% | 4.25%
4.25% | 4.25%
Fixed 7 Year
Fixed 7 Year
£170,000
Yes
IsBank
4.25% | 4.25%
4.25% | 4.25%
Fixed 4 Year
Fixed 4 Year
£170,000
Yes
Santander International
4.23% | 4.15%
4.23% | 4.15%
Instant access
Instant access
£170,000
Yes
iFast Global Bank Limited
4.08% | 4.00%
4.08% | 4.00%
Instant access
Instant access
£170,000
Yes
SmartSave
3.98% | 3.98%
3.98% | 3.98%
Fixed 4 Year
Fixed 4 Year
£1,000,000
Yes
Kingdom Bank
3.55% | 3.50%
3.55% | 3.50%
Notice account 90 Day
Notice account 90 Day
£170,000
Yes
Shawbrook
3.35% | 3.35%
3.35% | 3.35%
Fixed 7 Year
Fixed 7 Year
£2,000,000
Yes
Principality
3.30% | 3.25%
3.30% | 3.25%
Instant access
Instant access
£170,000
Yes
Nationwide
2.12% | 2.10%
2.12% | 2.10%
Instant access
Instant access
£10,000,000
Yes
Reliance Bank
1.91% | 1.90%
1.91% | 1.90%
Instant access
Instant access
£170,000
Yes
Kingdom Bank
1.66% | 1.65%
1.66% | 1.65%
Notice account 32 Day
Notice account 32 Day
£170,000
Yes
The rates shown here have already had our share of interest deducted, so the rate you see is the rate you will receive. You can learn more about share of interest here. Rates correct as at 15 April 2024.
For Fixed-term deposit accounts, interest is calculated daily and 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 and conditions for the specific account available on the platform.
The minimum deposit for an individual is currently £10,000.
Different banks, accounts and rates will be available to you on the platform depending on whether you are an individual looking to open a joint account, or acting on behalf of a company, charity, trust, SIPP or SSAS.
Our partner banks
Frequently asked questions
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.
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.
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.
With Flagstone, 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.
Don't just store money, protect it.
Use our cash deposits calculator to see how much interest you could be earning, whilst FCSC protecting your deposits.
