Plan for the future with a Fixed Saver.
New house? Career break? Whatever your plan is, earn a fixed interest rate of 4.20% AER/gross and know exactly how much you’ll have saved by this time next year.
How to apply
18+, UK residents. Interest paid at the end of the term. Starling personal current account required. Subject to eligibility. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law; AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
Future plans, future-proofed.
Fixed rate savings
Lock in your interest rate.
A fixed interest rate of 4.20% AER/gross. Interest is paid after one year.
The minimum deposit is £2,000, and the maximum is £1 million.
Your money is locked away for a year, and you won’t be able to withdraw it.
You can’t top a Fixed Saver up, but you can open multiple Fixed Savers.
How much will I earn with a Fixed Saver?
| Value after one year | Interest earned | Interest rate (AER) |
|---|---|---|
| £2,084.00 | £84.00 | 4.20% |
Fixed Gross/Annual Equivalent Rate (AER): 4.20%. These calculations are for illustrative purposes only. Terms and conditions apply.
Industry-leading security, including face and fingerprint recognition, and groundbreaking new tools powered by AI.
Your money is protected.
Eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
24/7 UK support from humans.
Whatever the time, whatever the day. Start a live chat in seconds or give us a call – we’re ready to help.
View and manage, all in one place.
Your Fixed Saver is managed in the app, alongside easy-access savings and your day-to-day money.
Ready to apply?
Start earning interest in a few quick steps.
You’ll need to live in the UK, be aged 18 or over and have a personal account to apply. Terms and eligibility criteria apply.
Start my applicationStep One
Apply online.
Start your application on your phone or computer.
Step Two
Head to Spaces.
It’s on the bottom menu of the app.
Step Three
Choose Fixed Saver.
You may need to tap ‘Show options’.
Step Four
Follow the steps.
We’ll let you know if your application is approved.
watch your savings grow
Prefer more flexibility?
Flexible Cash ISA
Tax-free savings, withdraw anytime. 2.50% AER/ 2.46% tax-free (variable) interest.
More on Cash ISAEasy Saver
Bonus rate
5.00% AER/ 4.87% gross (variable) interest up to £25k. Includes a fixed bonus of 2.50% AER for your first 6 months. New customers only.
More on Easy Saver18+, UK residents. Interest paid monthly. Starling personal current account required. Subject to eligibility. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
Tax free is the tax free rate of interest payable where interest is exempt from income tax. Any tax benefit you receive from an ISA depends on your individual circumstances and may change in the future.
Compare. Choose. Save.
| Features | Personal Easy Saver | Joint Easy Saver | Cash ISA | Fixed Saver |
|---|---|---|---|---|
| Interest rate (within 30 days of opening a new personal current account)* | 5.00% AER (4.87% gross) includes a fixed bonus of 2.50% AER on balances up to £25k. New customers only | N/A | N/A | N/A |
| Interest rate (all other applications made from 11am on 1 October 2026) | 4.00% AER (3.92% gross) includes a fixed bonus of 1.50% AER on balances up to £25k | 4.00% AER (3.92% gross) includes a fixed bonus of 1.50% AER on balances up to £25k | 2.50% AER (2.46% tax free) variable | 4.20% AER/gross interest |
| Underlying standard rate | 2.50% AER (2.46% gross) variable on balances over £25k or after 6 months | 2.50% AER (2.46% gross) variable on balances over £25k or after 6 months | N/A | N/A |
| Interest paid | Monthly | Monthly | Monthly | End of term |
| Bonus rate duration | 6 months | 6 months | N/A | N/A |
| Access to funds | Unlimited access | Unlimited access | Unlimited access | No access for 12 months |
| Account term length | N/A | N/A | N/A | 12 months |
| Minimum and maximum deposit | £0–£1m (underlying standard rate applies on balances over £25k) | £0–£1m (underlying standard rate applies on balances over £25k) | No minimum or maximum deposit (£20k tax year limit) | £2k–£1m (Initial deposit only) |
| Number of accounts you can open | 1 | 1 | 1 | Up to 50 |
*Personal current accounts opened from 1 October 2026. You will not be eligible if you have closed a personal current account after 30 September 2026.
Summary box
Applicable to Fixed Savers entered into from 11:00 on 1 October 2026. This Summary Box is a summary of the key features of the Fixed Saver account. Please read the terms and conditions that apply to the account.
Account name
Fixed Saver
Previous Fixed Saver rates
Grow your savings with total confidence.
Guarantee your returns, with a fixed rate of 4.20%AER/gross. Apply for a current account to get started.
Apply now