Earn 3.25% interest on your savings

Plan for the future with confidence. Set money aside for a year in just a few taps, and earn 3.25% AER/gross interest in a Fixed Saver.

Britain’s Best Current Account. Now with fixed rate savings.

Saving for a big future purchase? Or have spare cash you won’t need to dip into for a while?

Lock any amount from £2,000 up to £1,000,000 into a 1-Year Fixed Saver, and we’ll reward you with a guaranteed return of 3.25%. A Fixed Saver is managed from the Spaces section of the app, but remember: you won’t be able to access your money for one year.

Covered by the Financial Services Compensation Scheme, up to £85,000 across all your Starling accounts.

Grow your savings hassle-free

Secure. Fix a rate of 3.25% interest, and know exactly how much you’ll save by this time next year. With Starling, your money is covered to £85,000 by the FSCS across all accounts.
Easy. Already a Starling customer? Open a Fixed Saver in a few taps, from the Spaces tab of your app: no long application forms, no hassle. Not a customer yet?
Tidy. No more juggling multiple bank accounts. Fixed Savers, Saving Spaces, your day-to-day spending and more: it’s all managed from one seamless app.

Fixed Savers are subject to eligibility criteria, which means that the option to apply in the app will only be visible for customers that match our criteria.

You can’t top a Fixed Saver up once it’s been opened, but you can have multiple Fixed Savers at once. There’s a minimum deposit of £2,000 for each.

But just to be clear: your funds will be locked away for a year; you won’t be able to access this money. Make sure you’re covered for unexpected circumstances by keeping some money aside with easy access in regular Saving Spaces.

Guaranteed saving in just a few taps

Starling customer already? Open a Fixed Saver from your app in minutes:

Fixed Savers are subject to eligibility criteria, which means that the option to apply in the app will only be visible for customers that match our criteria.

Read terms and conditions.
Read key information in our summary box.

Step 1

Head to Spaces, then choose Fixed Saver from the list of Space types. You may need to tap Show Options at the top to see them.

Step 2

Choose how much to put aside. We’ll transfer the money from your main balance. The minimum deposit per Fixed Saver is £2,000, and the maximum is £1,000,000.

Step 3

Remember, your money is locked away for a year, and you won’t be able to access it. Ready? Just tap to confirm. It’s that easy!

Go to Spaces

New to Starling? You’ll need our award-winning current account to open a Fixed Saver. It only takes a few minutes to apply, and it’s done entirely from your phone. Then, just follow the steps above to open a Fixed Saver.

Apply for a current account

How much will I earn with a Fixed Saver?

Deposit amount:

Value after one year	Interest earned	Interest rate (AER)
£2,065.00	£65.00	3.25%

Fixed Gross/Annual Equivalent Rate (AER): 3.25%
These calculations are for illustrative purposes only. Terms and conditions apply.

Summary box

Account name

1-Year Fixed Saver
What is the interest rate?

Fixed Gross/Annual Equivalent Rate (AER): 3.25%

The Annual Equivalent Rate (AER) shows how much interest you’ll earn after a whole year. It’s used to make like-for-like comparisons between different savings products.

We pay gross interest, which means we don’t deduct any tax you might owe. You have a Personal Tax Allowance, but it varies depending on your tax status. You can access a tax certificate statement in the app, and you may need to declare the interest earned from your Fixed Saver on your tax return.

Interest is calculated every day, and paid at the end of the term.
Can Starling change the interest rate?

No, the interest rate will stay at 3.25% for the full one year term.
If I deposit £2,000, what will my balance be after the one year term?

Interest rate (AER): 3.25%

Balance after one year: £2,065.00

Whatever your deposit, multiply it by 1.0325 to work out your balance after one year.
How do I open and manage my Fixed Saver?

To open a 1-Year Fixed Saver, you’ll need to have a Starling current account. Fixed Savers are subject to eligibility criteria, which means that the option to apply in the app will only be visible for customers that match our criteria.

The minimum deposit is £2,000 and you can hold up to £1,000,000 across all the Fixed Savers you may have.

You can open and manage your Fixed Saver in Online Banking or the Starling app.
Can I withdraw or add money?

No, you can’t move your money until the end of the one year term – even for a fee. Before the end of your fixed term, we’ll contact you to find out what you’d like to do with your money next.

You can’t add money to a Fixed Saver once it’s been created. You can open multiple Fixed Savers – there is a minimum deposit of £2,000 each time, and each Fixed Saver is locked for one year.
Additional information

You can cancel your Fixed Saver within the first 14 days of opening it and we’ll return your money without interest.

Apply for a Starling current account today and open a Fixed Saver in-app.

Start your application