Hold your cash savings in one place and pick the best deal from over 25 UK banks and building societies. It really is that straightforward.
You can seamlessly transfer between providers through your single account to always ensure you are investing on your terms. A Flagstone Cash Savings account offers a wide choice of market-leading interest making your investment goals easier to reach.
The standalone Cash Savings service is provided by Flagstone and is not linked to your ii SIPP, Trading Account or ISA.
See the latest deals (as of 10/03/2025)
| Duration | Institution | Rate (Net) | Minimum | Maximum |
|---|---|---|---|---|
| 3 years | Al Rayan Bank | 4.2% | £10,000 | £85,000 |
| 2 years | SmartSave | 4.26% | £10,000 | £250,000 |
| 18 months | SmartSave | 4.26% | £10,000 | £250,000 |
| 12 months | OakNorth | 4.27% | £10,000 | £250,000 |
| 9 months | Shawbrook | 4.2% | £10,000 | £250,000 |
| 6 months | Castle Trust Bank | 4.2% | £10,000 | £85,000 |
For Sharia compliant accounts, the interest rate is represented by a profit rate.
How it works, in five simple steps
1. Open your Flagstone account
Access hundreds of savings accounts with a single application. Deposit a minimum of £10,000, and a maximum of £250,000.
2. Fund your holding account
This acts like a wallet – use it to open as many new savings accounts as you need.
3. Choose your savings accounts
Fixed Term, Notice and more – all at your fingertips.
4. Protect and grow your cash
Maximise interest income with exclusive rates, and increase your FSCS protection by spreading your cash across multiple banking groups (where eligible).
5. Manage your portfolio
Effortlessly move, manage, and withdraw your cash as you need – all in one platform.
Flagstone cash savings account benefits include:
Maximise your interest
Grow your cash with exclusive rates. Whether you’re saving for tax bills or Tuscan thrills, Flagstone helps keep your plans on track.
Protect what’s yours
Split your cash between banks, for maximum FSCS protection on your eligible deposits (£85,000 per banking group for individuals, £170,000 for joint accounts). Like a suit of armour for your savings.
Escape the paperwork
Access hundreds of rates with a single application, and manage your savings with one password. Arrivederci, admin.
Enjoy a world of choice
With hundreds of savings accounts from 25+ banks, Flagstone offers more options than any other platform. Fixed Rate, Notice, Sharia – all in one place.
Stay in control
A platform that's open and available 24/7. So you can manage your portfolio any time, from anywhere, at a moment’s notice.
Secure your data
We protect your sensitive data with industry-leading Transport Layer Security (TLS). So you can take care of your cash, while we take care of your information.
Further information
- The Annual Equivalent Rate (AER) is the rate you would receive if the interest was paid and compounded annually. It is a universal tool that enables you to compare different savings products. The rate is calculated after the Share of Interest (Management Fee) is deducted.
- Gross interest is the annual rate of interest to be paid on a deposit account before taxes or other charges are deducted. You are responsible for paying any tax due to HMRC. Your tax liability depends on your personal circumstances and may be subject to change.
- Deposit accounts available through Cash Savings include accounts operated under Shariah principles. This means that interest cannot be earned, only profit. The profit shared is the expected profit rate at the time the account is opened. Further information can be found on the platform.
Cash Savings is powered by Flagstone
Interactive investor’s Cash Savings account is powered by Flagstone, a UK registered and Financial Conduct Authority (FCA) regulated financial technology business. Flagstone’s cash deposit platform technology unlocks the UK’s best deposit rates for savers in a single, secure online environment. Please note that Flagstone shares income from the interest on funds deposited through the Flagstone platform with Interactive Investor
For further information, please see some Frequently Asked Questions.
Your money is protected
All banks on our panel are authorised by the PRA and Financial Conduct Authority (FCA) and pay levies into the Financial Services Compensation Scheme (FSCS). In the unlikely event that anything happens to one of your chosen banks, the FSCS automatically refunds eligible deposits of up to £85,000 per customer per banking institution. If you hold more than £85,000 with any one banking institution (even if it is spread across several different products / accounts, or even different arms of the same banking institution), you are unlikely to be able to recover the difference.
For further information, please see some Frequently Asked Questions.
