Our best five-year Fixed Rate savings accounts
Higher rates to reflect your commitment to growing cash.
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 and conditions of each savings account when you log in to the platform.
What our clients say about us
How Rachel balanced growth and access with cash
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.
Discover the convenient Cash ISA
Spread savings across multiple banks in one ISA.
Free transfers, flexible withdrawals, and swift sign-up.
Why open five-year Fixed Rate savings accounts with Flagstone?
Fixed
Secure your interest rate for five years or less.
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.
Fix with Flagstone for peace of mind
Predictable returns. All in one platform.
Flagstone
Build a balanced saving portfolio on one platform
Effortlessly track your accounts
100+ rates to choose from
Traditional savings
New applications for every account
Manual transactions between banks and accounts
Hours spent researching rates
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.
Add peace of mind to your portfolio
Fixing your finances is just the start. Enrich your savings style with other account types.
FIVE-YEAR FIXED RATE SAVINGS ACCOUNTS FAQS
What are five-year Fixed Rate accounts?
Fixed Rate accounts lock your cash for a pre-determined time in exchange for guaranteed interest rates.
A five-year fix is a long-term savings option. You can’t access your money until the term ends. For this reason, five-year terms often come with higher-than-average interest rates.
How do five-year Fixed Rate accounts work?
Once you deposit money into your account, you won’t be able to access it until the end of the term.
Interest is paid annually or when your account expires. It depends on the terms and conditions of the specific accounts you open.
Is it worth fixing my savings for five years?
Longer fixed terms often come with higher interest rates, which can protect your wealth against uncertainty.
Five-year Fixed Rate savings accounts could be a valuable addition to a portfolio that also contains accounts with more immediate access, like Notice or Instant Access accounts.
Learn how to make the most of your five-year Fixed Rate 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.