Our best Instant Access savings accounts
Compare for clarity. Combine with Flagstone.
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 & 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 Instant Access savings accounts with Flagstone?
Accessible
Move and manage your money, with instant
access when it suits you.
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.
Earn with easy access to your cash
One platform, multiple accounts.
With us
Open as many accounts as you need with one sign-up
Deposit and withdraw at your convenience
100s of competitive rates in one place
Without us
A new application for every account
Uncertain costs, fees, and earnings
Hours of scouring the web for the best 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.
Evolve your saving style
Instant access savings are just the beginning. Discover other ways to save with Flagstone.
INstant Access savings accounts FAQs
How long does it take to open an Instant Access account?
Deposits are usually confirmed within two working days. In some cases, this can take up to five days, depending on the partner bank’s processing times.
Can I add funds to an Instant Access account after it’s been opened?
Yes, you can add funds to an Instant Access account at any time using the balance in your Flagstone holding account.
Can I add or withdraw funds at any time with an Instant Access savings account?
You can add or withdraw funds as often as you like, as long as your balance stays above the minimum set by the bank’s terms and conditions.
How soon can I access funds from an Instant Access account?
Withdrawals are usually processed within two working days. Exact times can vary by partner bank, as each has its own payment schedule.
When is interest paid on an Instant Access account?
The frequency of interest payments depends on the partner bank. Interest is paid daily or monthly. Payment schedules are set out in the bank’s terms and conditions for each account.
Can I withdraw interest separately from my deposit?
Yes – you can withdraw any interest you earn back to your Flagstone holding account at any time.
Can the interest rate on an Instant Access account change?
Yes. Instant Access accounts typically have variable rates, so the bank may change the rate in line with its terms and conditions.
Learn how to make the most of your Instant Access 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.