The latest rates for charities & trusts
Leading rates for your charity's cash reserves. Brought to you by dozens of banking partners.
The rates shown do not account for Flagstone's annual management fee, which ranges from 0.15-0.25% p.a. There is also a £500 administration fee for all Charity accounts. See our fee schedule for more information.
SmartSave
5.10%
5.10%
Instant access
Instant access
£1m
Yes
The Bank of London
5.05%
5.05%
Instant access
Instant access
£1m
Yes
Allica Bank
4.94%
4.94%
Instant access
Instant access
£85k
Yes
The Bank of London
4.80%
4.80%
Instant access
Instant access
£1m
Yes
Investec
2.50%
2.50%
Instant access
Instant access
$1m
Yes
Nationwide
2.35%
2.35%
Instant access
Instant access
£10m
Yes
Investec
4.80%
4.80%
Fixed 1 month
Fixed 1 month
£10m
Yes
ABC Bank
4.00%
4.00%
Fixed 1 month
Fixed 1 month
$3m
Yes
ABC Bank
4.00%
4.00%
Fixed 1 month
Fixed 1 month
$15m
Yes
ABC Bank
2.50%
2.50%
Fixed 1 month
Fixed 1 month
€3m
Yes
ABC Bank
2.50%
2.50%
Fixed 1 month
Fixed 1 month
€15m
Yes
Allica Bank
4.95%
4.95%
Notice account 35 days
Notice account 35 days
£170k
Yes
Allica Bank
4.95%
4.95%
Notice account 35 days
Notice account 35 days
£85k
Yes
The Bank of London
4.88%
4.88%
Notice account 35 days
Notice account 35 days
£1m
Yes
The Bank of London
4.88%
4.88%
Notice account 35 days
Notice account 35 days
£1m
Yes
OakNorth
4.79%
4.79%
Notice account 35 days
Notice account 35 days
$1m
Yes
OakNorth
4.79%
4.79%
Notice account 35 days
Notice account 35 days
$1m
Yes
Investec
4.75%
4.75%
Notice account 35 days
Notice account 35 days
£2m
Yes
SmartSave
5.17%
5.17%
Fixed 3 months
Fixed 3 months
£1m
Yes
Gatehouse
5.15%
5.15%
Fixed 3 months
Fixed 3 months
£1m
Yes
ABC Bank
5.14%
5.14%
Fixed 3 months
Fixed 3 months
£15m
Yes
Nationwide
5.10%
5.10%
Fixed 3 months
Fixed 3 months
£10m
Yes
Sainsburys Bank
5.02%
5.02%
Fixed 3 months
Fixed 3 months
£1m
Yes
Sainsburys Bank
5.02%
5.02%
Fixed 3 months
Fixed 3 months
£1m
Yes
ABC Bank
5.00%
5.00%
Fixed 3 months
Fixed 3 months
$3m
Yes
ABC Bank
5.00%
5.00%
Fixed 3 months
Fixed 3 months
$15m
Yes
OakNorth
4.95%
4.95%
Fixed 3 months
Fixed 3 months
$1m
Yes
OakNorth
4.95%
4.95%
Fixed 3 months
Fixed 3 months
$1m
Yes
FCMB Bank (UK) Limited
4.45%
4.45%
Fixed 3 months
Fixed 3 months
$10m
Yes
ABC Bank
3.40%
3.40%
Fixed 3 months
Fixed 3 months
€3m
Yes
ABC Bank
3.40%
3.40%
Fixed 3 months
Fixed 3 months
€15m
Yes
SmartSave
5.23%
5.23%
Notice account 95 days
Notice account 95 days
£1m
Yes
Investec
5.05%
5.05%
Notice account 95 days
Notice account 95 days
£2m
Yes
Investec
5.05%
5.05%
Notice account 95 days
Notice account 95 days
£2m
Yes
Aldermore
5.00%
5.00%
Notice account 95 days
Notice account 95 days
£10m
Yes
Allica Bank
5.00%
5.00%
Notice account 95 days
Notice account 95 days
£85k
Yes
OakNorth
4.98%
4.98%
Notice account 95 days
Notice account 95 days
$1m
Yes
Santander International
4.70%
4.70%
Notice account 95 days
Notice account 95 days
£85k
Yes
Investec
3.40%
3.40%
Notice account 95 days
Notice account 95 days
$2m
Yes
Investec
1.25%
1.25%
Notice account 95 days
Notice account 95 days
€2m
Yes
FCMB Bank (UK) Limited
5.25%
5.25%
Fixed 6 months
Fixed 6 months
$10m
Yes
Gatehouse
5.22%
5.22%
Fixed 6 months
Fixed 6 months
£1m
Yes
FCMB Bank (UK) Limited
5.20%
5.20%
Fixed 6 months
Fixed 6 months
$10m
Yes
SmartSave
5.19%
5.19%
Fixed 6 months
Fixed 6 months
£1m
Yes
ABC Bank
5.18%
5.18%
Fixed 6 months
Fixed 6 months
£15m
Yes
FCMB Bank (UK) Limited
5.15%
5.15%
Fixed 6 months
Fixed 6 months
$10m
Yes
Sainsburys Bank
5.11%
5.11%
Fixed 6 months
Fixed 6 months
£1m
Yes
Sainsburys Bank
5.11%
5.11%
Fixed 6 months
Fixed 6 months
£1m
Yes
OakNorth
5.01%
5.01%
Fixed 6 months
Fixed 6 months
$1m
Yes
OakNorth
5.01%
5.01%
Fixed 6 months
Fixed 6 months
$1m
Yes
Nationwide
5.00%
5.00%
Fixed 6 months
Fixed 6 months
£10m
Yes
FidBank UK
5.75%
5.75%
Fixed 12 months
Fixed 12 months
$170k
No
FidBank UK
5.75%
5.75%
Fixed 12 months
Fixed 12 months
$85k
No
FidBank UK
5.75%
5.75%
Fixed 12 months
Fixed 12 months
$85k
No
FCMB Bank (UK) Limited
5.25%
5.25%
Fixed 12 months
Fixed 12 months
$10m
Yes
FCMB Bank (UK) Limited
5.20%
5.20%
Fixed 12 months
Fixed 12 months
$10m
Yes
SmartSave
5.18%
5.18%
Fixed 12 months
Fixed 12 months
£1m
Yes
FCMB Bank (UK) Limited
5.15%
5.15%
Fixed 12 months
Fixed 12 months
$10m
Yes
Al Rayan Bank
5.10%
5.10%
Fixed 12 months
Fixed 12 months
£170k
Yes
Mizrahi Tefahot Bank
5.10%
5.10%
Fixed 12 months
Fixed 12 months
£1m
Yes
Sainsburys Bank
5.07%
5.07%
Fixed 12 months
Fixed 12 months
£1m
Yes
Sainsburys Bank
5.07%
5.07%
Fixed 12 months
Fixed 12 months
£1m
Yes
Hampshire Trust Bank
5.06%
5.06%
Fixed 12 months
Fixed 12 months
£750k
Yes
Investec
2.80%
2.80%
Fixed 12 months
Fixed 12 months
€5m
Yes
FidBank UK
5.75%
5.75%
Fixed 18 months
Fixed 18 months
$170k
No
FidBank UK
5.75%
5.75%
Fixed 18 months
Fixed 18 months
$85k
No
FidBank UK
5.75%
5.75%
Fixed 18 months
Fixed 18 months
$85k
No
Aldermore
4.90%
4.90%
Fixed 18 months
Fixed 18 months
£10m
Yes
SmartSave
4.86%
4.86%
Fixed 18 months
Fixed 18 months
£1m
Yes
Aldermore
4.80%
4.80%
Fixed 18 months
Fixed 18 months
£10m
Yes
Aldermore
4.80%
4.80%
Fixed 18 months
Fixed 18 months
£10m
Yes
Hampshire Trust Bank
4.78%
4.78%
Fixed 18 months
Fixed 18 months
£750k
Yes
Hampshire Trust Bank
4.78%
4.78%
Fixed 18 months
Fixed 18 months
£750k
Yes
FCMB Bank (UK) Limited
3.00%
3.00%
Fixed 18 months
Fixed 18 months
$10m
Yes
FCMB Bank (UK) Limited
2.95%
2.95%
Fixed 18 months
Fixed 18 months
$10m
Yes
FCMB Bank (UK) Limited
2.90%
2.90%
Fixed 18 months
Fixed 18 months
$10m
Yes
FidBank UK
6.00%
6.00%
Fixed 2 years
Fixed 2 years
$170k
No
FidBank UK
6.00%
6.00%
Fixed 2 years
Fixed 2 years
$85k
No
FidBank UK
6.00%
6.00%
Fixed 2 years
Fixed 2 years
$85k
No
Shawbrook
5.03%
5.03%
Fixed 2 years
Fixed 2 years
£2m
Yes
SmartSave
5.01%
5.01%
Fixed 2 years
Fixed 2 years
£1m
Yes
Hampshire Trust Bank
5.00%
5.00%
Fixed 2 years
Fixed 2 years
£250k
Yes
Hampshire Trust Bank
5.00%
5.00%
Fixed 2 years
Fixed 2 years
£750k
Yes
Hampshire Trust Bank
5.00%
5.00%
Fixed 2 years
Fixed 2 years
£750k
Yes
Aldermore
4.60%
4.60%
Fixed 2 years
Fixed 2 years
£10m
Yes
Investec
3.00%
3.00%
Fixed 2 years
Fixed 2 years
€5m
Yes
SmartSave
4.72%
4.72%
Fixed 3 years
Fixed 3 years
£1m
Yes
Shawbrook
4.71%
4.71%
Fixed 3 years
Fixed 3 years
£2m
Yes
Aldermore
4.50%
4.50%
Fixed 3 years
Fixed 3 years
£10m
Yes
Aldermore
4.50%
4.50%
Fixed 3 years
Fixed 3 years
£10m
Yes
Hampshire Trust Bank
4.16%
4.16%
Fixed 3 years
Fixed 3 years
£750k
Yes
Hampshire Trust Bank
4.16%
4.16%
Fixed 3 years
Fixed 3 years
£750k
Yes
Aldermore
4.30%
4.30%
Fixed 4 years
Fixed 4 years
£10m
Yes
SmartSave
4.23%
4.23%
Fixed 4 years
Fixed 4 years
£1m
Yes
Hampshire Trust Bank
4.01%
4.01%
Fixed 4 years
Fixed 4 years
£750k
Yes
Hampshire Trust Bank
4.01%
4.01%
Fixed 4 years
Fixed 4 years
£750k
Yes
Aldermore
4.00%
4.00%
Fixed 4 years
Fixed 4 years
£10m
Yes
Aldermore
4.00%
4.00%
Fixed 4 years
Fixed 4 years
£10m
Yes
SmartSave
4.58%
4.58%
Fixed 5 years
Fixed 5 years
£1m
Yes
Shawbrook
4.57%
4.57%
Fixed 5 years
Fixed 5 years
£2m
Yes
Cambridge and Counties
4.25%
4.25%
Fixed 5 years
Fixed 5 years
£5m
Yes
Cambridge and Counties
4.25%
4.25%
Fixed 5 years
Fixed 5 years
£5m
Yes
Aldermore
4.00%
4.00%
Fixed 5 years
Fixed 5 years
£10m
Yes
Aldermore
4.00%
4.00%
Fixed 5 years
Fixed 5 years
£10m
Yes
Rates are subject to change or withdrawal and are shown gross of Flagstone's Annual Management Charge, illustrating what the interest rate would be before the management fee is deducted. You can learn more about Flagstone's fees in our fee schedule. Rates correct as at 3 May 2024.
For Fixed Term Deposit Accounts, interest is 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 & Conditions for the specific account available on the platform.
The Flagstone platform is available to individual and joint applicants who are resident in the UK and 18 years of age or older. Accounts are also available to UK-registered companies, charities and trusts (including SIPPs and SSASs). The minimum deposit for UK-registered charities is currently £1M.
Dependent upon whether you are an individual, looking to open a joint account, or acting on behalf of a company, charity, trust, SIPP or SSAS; different banks, accounts and rates will be available to you on the platform. The number of accounts available may also be reduced dependent upon client factors.
Our partner banks
Frequently asked questions
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.
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.
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, if eligible.
There is an annual management fee of between 0.15% p.a. and 0.25% p.a. depending on the value of deposits you hold on our platform.
For charities with deposits of £1 million or more, a one time setup fee of £500 will be payable and automatically taken from your initial deposit. For US Dollar accounts this fee is $500 and for Euro Accounts it is €500.
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.
