Our best accounts for £100,000
Explore our range of savings accounts with the highest deposit limits.
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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Standard Chartered Bank
Standard Chartered Bank
Standard Chartered Bank
Standard Chartered Bank
Standard Chartered Bank
Standard Chartered Bank
Cater Allen Part of the Santander Group
Cater Allen Part of the Santander Group
Cater Allen Part of the Santander Group
Paying your interest
For Fixed Rate, (also called ‘Fixed Term’), Instant Access, and Notice accounts, interest is calculated daily. But when interest is applied and paid will vary by the savings accounts you choose to open.
You’ll find more information in the terms and conditions of each savings account when you log in to the platform.
Earn interest on £100,000 while you decide what's next
A £100,000 lump sum gives you plenty of options, from gifting money early to saving for your retirement.
With Flagstone, you can earn interest on your cash while you decide.
Fixed Rate accounts
Lock in our most competitive rates
Reserve new accounts to move money effortlessly
Terms from one month to 12 years
Joint accounts
Save together with joint access
Up to £240,000 FSCS protection (£120,000 per account holder)
250+ savings accounts from 65+ banks, with one login
Cash ISA
Transfer existing ISAs to Flagstone
No withdrawal limits
Build a portfolio of tax-free accounts with a few clicks
How Rachel grew a lump sum with Flagstone
After selling her business, Rachel maximised the interest on her lump sum with multiple account types. All through Flagstone.
Since publishing this video, the FSCS protection limit has increased to £120,000 per client, per banking group.
Why open high-interest savings accounts with Flagstone?
Convenient
One sign-up, one platform. No more applications.
Rewarding
We're committed to offering interest rates that beat the high street.
Secure
Get FSCS protection on eligible deposits, up to £120,000 per client, per banking group.
Versatile
Open multiple account types to balance high interest with access to your cash.
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 in our platform – so the rate you see will always be the rate you receive.
We don’t charge admin, management, or platform fees.
Frequently asked questions about our best savings accounts for £100,000
What is the best savings account for £100,000?
It depends on when you need access to your cash, how you want to use your lump sum, and what you're working towards.
Splitting your money across different savings accounts can help you balance those priorities. For example, keeping some in an Instant Access account means you've got cash on hand for unexpected costs, while locking the rest away in a Fixed Rate account could help it grow faster through compound interest.
How many bank accounts do I need for £100,000 to be fully protected?
You would only need one bank account, as the Financial Services Compensation Scheme (FSCS) protects your eligible deposits up to £120,000 per client, per banking group. But FSCS protection isn't the only reason to split your cash between different accounts.
Spreading £100,000 across accounts with different terms could give you greater flexibility over how and when you can access your money, while potentially securing higher rates on some of your deposit.
Previously, the FSCS protection limit was £85,000, but the scheme increased this limit to £120,000 on 01 December 2025.
How much interest could £100,000 earn?
It depends on where you deposit your £100,000.
Some banks offer higher interest rates on large deposits. And if you lock your cash away for a fixed period, compound interest can help grow your savings over time with minimal effort.
Use our compound interest calculator to work out how your £100,000 could grow.
Should I split £100,000 across multiple banks?
Splitting £100,000 across a handful of banks could let you secure higher rates while also balancing access to your money.
If your deposit is eligible, you could enjoy FSCS protection for your entire £100,000 in one account. But this approach also ties your earnings to the same interest rate and access terms, potentially limiting your growth.
Is my £100,000 fully protected with Flagstone?
The Financial Services Compensation Scheme (FSCS) protects eligible cash deposits up to £120,000 per client, per banking group.
Long-term compound interest, topping up your savings, or receiving another lump sum could take you over the FSCS limit. This is why some savers with larger deposits use savings platforms like Flagstone, spreading their cash across multiple banks to stay within protection limits.
While our FSCS tracker shows how the FSCS protects your deposits, it can't include any savings you have outside of Flagstone. If you hold deposits outside of our platform, this may affect your overall FSCS protection.
Evolve your savings style
Discover other ways to save with Flagstone.
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.