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Flagstone review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Flagstone pays a headline 4.91% fixed rate with a £0 monthly fee, and money is held on deposit at a UK bank. It suits savers with a lump sum who can leave it locked, not anyone needing same day access to the balance.

Key facts

Best for
Lump sum savers happy to lock the balance for the full term.
Headline rate
4.91%↗
Rate type
Fixed↗
Term
12 months↗
Minimum deposit
£10,000↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
24/7 access to the Flagstone holding account; fixed-term deposits locked for the term↗
Monthly fee
£0↗
Account kind
Fixed↗
Legal entity
Flagstone Group Ltd↗
Headquarters
United Kingdom↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee, Fixed rate
Official website
flagstoneim.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Headline rate of 4.91% sits above the site median of 3% for savings
  • No monthly account charge, at £0 on the savings account
  • Deposits sit with a GB headquartered provider and hold FSCS up to GBP 85,000 of protection
  • Support covers email, phone and help centre, so phone and email both reach a person

Cons

  • A minimum deposit of £10,000 puts it out of reach of small savers, well above the savings median of €0.17
  • A fixed deposit stays locked for the 12 term, with around the clock access applying to the Flagstone holding account alone
  • The headline rate ranks 106 of 488 brands, so it is competitive without standing out
Flagstone

Ready to try Flagstone?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Savers with a lump sum of at least £10,000 to place
  • Anyone who can leave the money untouched for a 12 term
  • Savers who want a UK regulated provider with deposit protection

Who should look elsewhere

  • Anyone saving a small monthly amount, since the £10,000 minimum is high
  • Anyone who needs instant access to the full balance, because fixed deposits are locked for the term
  • Savers chasing the highest rate on the market, where several rivals pay more

How Flagstone compares

Where Flagstone is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (605504), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Flagstone pay and is it fixed?+

Flagstone pays a headline rate of 4.91% on its fixed savings products. The rate type is fixed, so the figure does not move during the term. That is well above the site median of 3% for savings accounts.

What is the minimum deposit?+

The minimum deposit is £10,000 to open a fixed term. That is far above the €0.17 median across savings accounts, so it suits savers with a lump sum rather than those adding small amounts each month.

How long is the term and can I get the money out early?+

The term runs for 12, and the deposit is locked for that period. Early access is therefore limited, which makes this a home for money that can genuinely stay put. Access to the wider holding account is a separate matter.

Are my deposits protected?+

Deposits carry FSCS up to GBP 85,000 of protection through the FSCS. The provider is regulated in the UK by the Financial Conduct Authority, and the banking entity behind the accounts is based in the United Kingdom.

Are there any fees?+

There is no monthly account charge, with the fee set at £0. Flagstone also operates on a no monthly fee model, so the interest rate is not eaten away by account charges over the life of the term.

How do I get help?+

Support runs through email, phone and help centre. That gives a choice of phone, email and a help centre, which covers most questions about a fixed deposit before or after you open one.

Who is Flagstone aimed at?+

It suits savers in the UK with a lump sum of at least £10,000 who do not need the money back during the term. A fixed account like this rewards patience and a decent starting balance rather than regular small deposits.

How does the rate compare with other savings accounts?+

The headline rate of 4.91% is above the savings median of 3.06%, though the middle of the market runs from 1.5% to 4.15%. On rank the account sits at 106 of 488 brands compared.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Flagstone

Flagstone

Lump sum savers happy to lock the balance for the full term.

8.9/10See alternatives