Morgan Stanley Enters UK Savings Market Through Partnership with Raisin
Overview
Entry of one of the largest global banks by market capitalisation offers attractive option for UK savers.
Morgan Stanley to offer Fixed-term Deposits with competitive rates: from 4.35% AER on a six-month maturity up to 5.10% on five years.
In 2026, fixed-term savings accounts have generated average returns 132% higher than Easy Access alternatives.
From this week, UK consumers can access Morgan Stanley Fixed-term Deposits through the savings platform Raisin UK. The savings accounts are offered through Morgan Stanley Bank International Limited and deliver returns of up to 5.10% AER. The minimum deposit amount is £1,000. In line with all Raisin UK products, opening and managing accounts through Raisin UK is free of charge for consumers. Deposits with Morgan Stanley are protected by the FSCS up to £120,000 per saver.
Fixed-rate Savings Offer Superior Returns
Morgan Stanley's decision to launch fixed-term savings with rates up to 5.10% AER reflects the appeal of this savings category. Bank of England data reveals that, from January through August 2026, new Fixed-rate Deposits (at 3.88% AER) deliver more than twice the interest of the average Easy Access account (1.67% AER).
Jules di Mambro, CEO of Raisin UK: “Fixed-rate Deposits are very attractive, but the vast majority of savings are held in low-return Easy Access or even no-return Current Accounts. Raisin bridges this gap by making it effortless for customers to actively manage their money, switch accounts, and maximise their overall returns.”
On Morgan Stanley, di Mambro comments: “Partnering with a world-class financial institution like Morgan Stanley presents a significant opportunity for our savers. It highlights the reach of our platform, Raisin’s standing with global financial institutions and our commitment to bringing top-tier savings products to British consumers.”
Christopher Beatty, EMEA COO of Morgan Stanley:
"The UK is one of the world's largest and most established savings markets, making it an important part of Morgan Stanley's expanding global deposits strategy. Through our partnership with Raisin, we are pleased to offer UK savers access to the Firm’s competitive deposit products. This launch builds on successful programmes in other markets and supports Morgan Stanley's broader strategy to grow its global deposit base and help drive the continued growth of our business."
About Raisin UK
Raisin is a leading platform for savings and investment products. Founded in 2012, the fintech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 7 billion euros in returns.
About Morgan Stanley
Morgan Stanley (NYSE: MS) is a leading global financial services firm providing a wide range of investment banking, securities, wealth management and investment management services. With offices in 42 countries, the Firm’s employees serve clients worldwide including corporations, governments, institutions and individuals. For further information about Morgan Stanley, please visit www.morganstanley.com.
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All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time.
Raisin UK is a trading name of Raisin Platforms Limited which is authorised and regulated by the Financial Conduct Authority (FRNs 813894 and 978619). Raisin Platforms Limited is registered in England and Wales, No 11075085. Registered office: Cobden House, 12-16 Mosley Street, Manchester M2 3AQ, United Kingdom. The information on this website does not constitute financial advice, always do your own research to ensure it's right for your specific circumstances. Tax treatment depends on the individual circumstances of each customer and may be subject to change in the future.