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.

Bank

Mizrahi Tefahot Bank

AER | Gross

5.22% | 5.13%

5.22% | 5.13%

Term

Fixed 3 Month

Fixed 3 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Al Rayan Bank

AER | Gross

5.20% | 5.20%

5.20% | 5.20%

Term

Fixed 12 Month

Fixed 12 Month

Max deposit

£85,000

Eligible for FSCS protection

Yes

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

£85,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

5.07% | 4.95%

5.07% | 4.95%

Term

Instant access

Instant access

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

5.03% | 4.94%

5.03% | 4.94%

Term

Fixed 3 Month

Fixed 3 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.97% | 4.91%

4.97% | 4.91%

Term

Fixed 6 Month

Fixed 6 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Gatehouse

AER | Gross

4.96% | 4.90%

4.96% | 4.90%

Term

Fixed 6 Month

Fixed 6 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

OakNorth

AER | Gross

4.93% | 4.83%

4.93% | 4.83%

Term

Notice account 125 Day

Notice account 125 Day

Max deposit

£500,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.92% | 4.92%

4.92% | 4.92%

Term

Fixed 12 Month

Fixed 12 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.91% | 4.89%

4.91% | 4.89%

Term

Fixed 9 Month

Fixed 9 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

£85,000

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

Al Rayan Bank

AER | Gross

4.87% | 4.85%

4.87% | 4.85%

Term

Fixed 9 Month

Fixed 9 Month

Max deposit

£85,000

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

Principality

AER | Gross

4.86% | 4.75%

4.86% | 4.75%

Term

Notice account 90 Day

Notice account 90 Day

Max deposit

£85,000

Eligible for FSCS protection

Yes

Bank

Investec

AER | Gross

4.85% | 4.76%

4.85% | 4.76%

Term

Fixed 2 Month

Fixed 2 Month

Max deposit

£10,000,000

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

£85,000

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

£85,000

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

£500,000

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

£500,000

Eligible for FSCS protection

Yes

Bank

SmartSave

AER | Gross

4.70% | 4.70%

4.70% | 4.70%

Term

Fixed 18 Month

Fixed 18 Month

Max deposit

£1,000,000

Eligible for FSCS protection

Yes

Bank

Al Rayan Bank

AER | Gross

4.67% | 4.67%

4.67% | 4.67%

Term

Fixed 2 Year

Fixed 2 Year

Max deposit

£85,000

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

£85,000

Eligible for FSCS protection

Yes

Bank

GB Bank

AER | Gross

4.64% | 4.55%

4.64% | 4.55%

Term

Fixed 1 Month

Fixed 1 Month

Max deposit

£85,000

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

£85,000

Eligible for FSCS protection

Yes

Bank

Cambridge and Counties

AER | Gross

4.60% | 4.60%

4.60% | 4.60%

Term

Fixed 18 Month

Fixed 18 Month

Max deposit

£5,000,000

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

£85,000

Eligible for FSCS protection

Yes

Bank

IsBank

AER | Gross

4.50% | 4.50%

4.50% | 4.50%

Term

Fixed 15 Month

Fixed 15 Month

Max deposit

£85,000

Eligible for FSCS protection

Yes

Bank

IsBank

AER | Gross

4.50% | 4.50%

4.50% | 4.50%

Term

Fixed 4 Year

Fixed 4 Year

Max deposit

£85,000

Eligible for FSCS protection

Yes

Bank

IsBank

AER | Gross

4.50% | 4.50%

4.50% | 4.50%

Term

Fixed 3 Year

Fixed 3 Year

Max deposit

£85,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

4.48% | 4.48%

4.48% | 4.48%

Term

Fixed 3 Year

Fixed 3 Year

Max deposit

£2,000,000

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

£85,000

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

Hampshire Trust Bank

AER | Gross

4.34% | 4.25%

4.34% | 4.25%

Term

Instant access

Instant access

Max deposit

£250,000

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

£85,000

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

£85,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

4.32% | 4.32%

4.32% | 4.32%

Term

Fixed 5 Year

Fixed 5 Year

Max deposit

£2,000,000

Eligible for FSCS protection

Yes

Bank

Cambridge and Counties

AER | Gross

4.30% | 4.30%

4.30% | 4.30%

Term

Fixed 5 Year

Fixed 5 Year

Max deposit

£5,000,000

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

£85,000

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

£85,000

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

£85,000

Eligible for FSCS protection

Yes

Bank

Aldermore

AER | Gross

3.82% | 4.05%

3.82% | 4.05%

Term

Fixed 4 Year

Fixed 4 Year

Max deposit

£10,000,000

Eligible for FSCS protection

Yes

Bank

Shawbrook

AER | Gross

3.75% | 3.75%

3.75% | 3.75%

Term

Fixed 7 Year

Fixed 7 Year

Max deposit

£2,000,000

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

£85,000

Eligible for FSCS protection

Yes

Bank

Principality

AER | Gross

3.30% | 3.25%

3.30% | 3.25%

Term

Instant access

Instant access

Max deposit

£85,000

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

£85,000

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

£85,000

Eligible for FSCS protection

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 updated daily.

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

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 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?

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.

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