Fixed Rate Bonds

Fixed rate savings bonds can give you a decent return on your money but you won't be able to touch it until the bond matures. Compare the latest interest rates from the UK's leading fixed rate bond providers below.

Compare fixed rate bonds

	Account	Interest (AER) The account’s Annual Equivalent Rate: shows the interest you will earn over a year as a percentage. If interest is paid monthly, this rate will be higher than the gross interest rate (as the interest will be compounded).	Interest Paid This shows how often the interest is calculated and paid.	Account Type / Term Type of savings account and length of account term (if applicable).	Account Access Online - Access via internet banking. Telephone - Access via telephone banking. Branch - Access via your local branch. Post - Postal access.	Min / Max Balance Some accounts have minimum and maximum balances. If the account holder’s balance falls outside these limits they may be subject to interest penalties or account closure.
	AgriBank 5 Year Saver Bond Not a deposit account, and no Deposit or other Financial Services Compensation Scheme protection.	3.60%	Yearly / On Maturity	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. This product is not covered by the Financial Services Compensation Scheme (FSCS). To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000 (in £10,000 multiples) Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	AgriBank 4 Year Saver Bond Not a deposit account, and no Deposit or other Financial Services Compensation Scheme protection.	3.50%	Yearly / On Maturity	Fixed Term / 4 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. This product is not covered by the Financial Services Compensation Scheme (FSCS). To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000 (in £10,000 multiples) Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	AgriBank 3 Year Saver Bond Not a deposit account, and no Deposit or other Financial Services Compensation Scheme protection.	3.35%	Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. This product is not covered by the Financial Services Compensation Scheme (FSCS). To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000 (in £10,000 multiples) Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Vanquis Bank 5 Year Fixed Rate Bond	2.56%	Monthly / Yearly	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£1,000 - £250,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Vanquis Bank 3 Year Fixed Rate Bond	2.26%	Monthly / Yearly	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£1,000 - £250,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	United National Bank 3 Year Fixed Term Deposit	2.25%	Monthly / Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Permanent UK Resident Yes Minimum Age 18
	United Bank 2 Year Fixed Term Deposit	2.00%	Monthly / Yearly / On Maturity	Fixed Term / 2 Years	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Permanent UK Resident Yes Minimum Age 18
	Aldermore 2 Year Fixed Rate Savings Account	2.00%	Monthly / Yearly	Fixed Term / 2 Years	OnlineTelephoneBranchPost	£1,000 - £1,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18
	Aldermore 1 Year Fixed Rate Savings Account	1.85%	Monthly / On Maturity	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£1,000 - £1,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Scottish Widows 3 Year Fixed Term Deposit Account	1.80%	Monthly / Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£10,000 - £5,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000
	United Bank 1 Year Fixed Term Deposit	1.75%	Monthly / On Maturity	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Minimum Age 18
	RBS 1 Year Fixed Rate Bond (Internet Only Edition) Only available to RBS Current or Savings Account customers	1.40%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£2,000 - £1,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have an RBS current account To qualify for this product you need to meet the following criteria. Minimum Deposit £5,000 Permanent UK Resident Yes Minimum Age 18
	Natwest 1 Year Fixed Rate Bond (Internet Only Edition) Only available to Natwest Current or Savings Account customers	1.40%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£2,000 - £1,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have a Natwest current account To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Permanent UK Resident Yes Minimum Age 18

Accounts with an asterisk next to the AER interest have a bonus applied to the interest rate, place your mouse cursor over the asterisk to view the bonus.

1 year fixed rate bonds

	Account	Interest (AER) The account’s Annual Equivalent Rate: shows the interest you will earn over a year as a percentage. If interest is paid monthly, this rate will be higher than the gross interest rate (as the interest will be compounded).	Interest Paid This shows how often the interest is calculated and paid.	Account Type / Term Type of savings account and length of account term (if applicable).	Account Access Online - Access via internet banking. Telephone - Access via telephone banking. Branch - Access via your local branch. Post - Postal access.	Min / Max Balance Some accounts have minimum and maximum balances. If the account holder’s balance falls outside these limits they may be subject to interest penalties or account closure.
	Aldermore 1 Year Fixed Rate Savings Account	1.85%	Monthly / On Maturity	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£1,000 - £1,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	United Bank 1 Year Fixed Term Deposit	1.75%	Monthly / On Maturity	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Minimum Age 18
	RBS 1 Year Fixed Rate Bond (Internet Only Edition) Only available to RBS Current or Savings Account customers	1.40%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£2,000 - £1,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have an RBS current account To qualify for this product you need to meet the following criteria. Minimum Deposit £5,000 Permanent UK Resident Yes Minimum Age 18
	Natwest 1 Year Fixed Rate Bond (Internet Only Edition) Only available to Natwest Current or Savings Account customers	1.40%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£2,000 - £1,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have a Natwest current account To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Permanent UK Resident Yes Minimum Age 18

Accounts with an asterisk next to the AER interest have a bonus applied to the interest rate, place your mouse cursor over the asterisk to view the bonus.

2 year fixed rate bonds

	Account	Interest (AER) The account’s Annual Equivalent Rate: shows the interest you will earn over a year as a percentage. If interest is paid monthly, this rate will be higher than the gross interest rate (as the interest will be compounded).	Interest Paid This shows how often the interest is calculated and paid.	Account Type / Term Type of savings account and length of account term (if applicable).	Account Access Online - Access via internet banking. Telephone - Access via telephone banking. Branch - Access via your local branch. Post - Postal access.	Min / Max Balance Some accounts have minimum and maximum balances. If the account holder’s balance falls outside these limits they may be subject to interest penalties or account closure.
	United Bank 2 Year Fixed Term Deposit	2.00%	Monthly / Yearly / On Maturity	Fixed Term / 2 Years	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Permanent UK Resident Yes Minimum Age 18
	Aldermore 2 Year Fixed Rate Savings Account	2.00%	Monthly / Yearly	Fixed Term / 2 Years	OnlineTelephoneBranchPost	£1,000 - £1,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18

Accounts with an asterisk next to the AER interest have a bonus applied to the interest rate, place your mouse cursor over the asterisk to view the bonus.

3 year fixed rate bonds

	Account	Interest (AER) The account’s Annual Equivalent Rate: shows the interest you will earn over a year as a percentage. If interest is paid monthly, this rate will be higher than the gross interest rate (as the interest will be compounded).	Interest Paid This shows how often the interest is calculated and paid.	Account Type / Term Type of savings account and length of account term (if applicable).	Account Access Online - Access via internet banking. Telephone - Access via telephone banking. Branch - Access via your local branch. Post - Postal access.	Min / Max Balance Some accounts have minimum and maximum balances. If the account holder’s balance falls outside these limits they may be subject to interest penalties or account closure.
	AgriBank 3 Year Saver Bond Not a deposit account, and no Deposit or other Financial Services Compensation Scheme protection.	3.35%	Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. This product is not covered by the Financial Services Compensation Scheme (FSCS). To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000 (in £10,000 multiples) Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Vanquis Bank 3 Year Fixed Rate Bond	2.26%	Monthly / Yearly	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£1,000 - £250,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	United National Bank 3 Year Fixed Term Deposit	2.25%	Monthly / Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £2,000 Permanent UK Resident Yes Minimum Age 18
	Scottish Widows 3 Year Fixed Term Deposit Account	1.80%	Monthly / Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£10,000 - £5,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000

Accounts with an asterisk next to the AER interest have a bonus applied to the interest rate, place your mouse cursor over the asterisk to view the bonus.

4 year fixed rate bonds

	Account	Interest (AER) The account’s Annual Equivalent Rate: shows the interest you will earn over a year as a percentage. If interest is paid monthly, this rate will be higher than the gross interest rate (as the interest will be compounded).	Interest Paid This shows how often the interest is calculated and paid.	Account Type / Term Type of savings account and length of account term (if applicable).	Account Access Online - Access via internet banking. Telephone - Access via telephone banking. Branch - Access via your local branch. Post - Postal access.	Min / Max Balance Some accounts have minimum and maximum balances. If the account holder’s balance falls outside these limits they may be subject to interest penalties or account closure.
	AgriBank 5 Year Saver Bond Not a deposit account, and no Deposit or other Financial Services Compensation Scheme protection.	3.60%	Yearly / On Maturity	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. This product is not covered by the Financial Services Compensation Scheme (FSCS). To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000 (in £10,000 multiples) Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	AgriBank 4 Year Saver Bond Not a deposit account, and no Deposit or other Financial Services Compensation Scheme protection.	3.50%	Yearly / On Maturity	Fixed Term / 4 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. This product is not covered by the Financial Services Compensation Scheme (FSCS). To qualify for this product you need to meet the following criteria. Minimum Deposit £10,000 (in £10,000 multiples) Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Vanquis Bank 5 Year Fixed Rate Bond	2.56%	Monthly / Yearly	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£1,000 - £250,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit £1,000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No

Accounts with an asterisk next to the AER interest have a bonus applied to the interest rate, place your mouse cursor over the asterisk to view the bonus.

Structured plans for growth

Important Information: Structured deposit plans offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return
	Investec 3 Year Deposit			3 years	12.5% (after 3 years)	MORE INFO
Target return of 12.5% Capital protected Low minimum - £3,000 Short/medium aternative to fixed rates Also available for Cash ISA & Cash ISA Transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Arrangement fee applies Returns not guaranteed. You may only recieve a return of your original capital
	Legal and General 6 Year Growth Deposit Bond			6 years	125% x any FTSE 100 growth (35% Cap)	MORE INFO
Return of 125% x any FTSE 100 growth, capped at 35% Capital protected Low minimum - £500 Medium/long term alternative to fixed rates Also available for Cash ISA & Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Returns capped at 35% Returns not guaranteed. You may only receive a return of your original capital
	Investec Deposit Growth Plan			5 years	120% x any FTSE 100 growth (no limit)	MORE INFO
Return of 120% x any FTSE 100 growth, no upper limit Capital protected Low minimum - £3,000  Short/medium term alternative to fixed rates  Also available for Cash ISA & Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Arrangement fee applies Returns not guaranteed. You may only receive a return of your original capital
	Investec Kick Out Deposit			Up to 6 years	4.25% per annum	MORE INFO
4.25% for each year if the FTSE 100 finishes higher than its starting value Opportunity to mature early at year 2, 3, 4 or 5 Capital protected Short/medium term alternative to fixed rates Also available for Cash ISAs & Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Arrangement fee applies Returns not guaranteed. You may only receive a return of your original capital
	Societe Generale Defensive Kick Out Deposit Plan			up to 6 years	7% per annum	MORE INFO
7% for each year provided x5 shares finish at least as high as their starting value Opportunity to mature early at year 2,3,4 or 5 Capital protected Medium/long term alternative to fixed rates Also available for Cash ISA & Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Arrangement fee applies Potential returns based on the performance of 5 shares Returns not guaranteed. You may only receive a return of your original capital
	Legal and General 6 Year Annual Bonus Deposit Plan (growth option)	Cater Allen Private Bank		6 years	4.25% per annum	MORE INFO
4.25% growth if the FTSE 100 finishes at least as high as its starting value Capital protected Low minimum - £500 Medium/long term alternative to fixed rates Also available for Cash ISAs & Cash ISA transfers Limited offer - deadlines apply May close early if oversubscribed Plan designed to be held for full term Returns not guaranteed. You may only receive a return of your original capital

Important Information: Structured deposit plans offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Structured plans for income

Important Information: Structured deposit plans offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return
	Investec Target Income Plan	Investec Bank plc		6 years	4.4% per annum	MORE INFO
Potential annual income of 4.4% Income paid if the FTSE 100 finishes above 90% of its starting value Missed payments added to future payment next time anniversary level above 90% Capital protected Medium/long term alternative to fixed rates Also available for Cash ISA & Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Arrangement fee applies Returns not guaranteed. You may only receive a return of your original capital
	Legal and General 6 Year Annual Bonus Deposit Plan	Cater Allen Private Bank		6 years	4% per annum	MORE INFO
4% income if the FTSE 100 finishes at least as high as its starting value Capital protected Low minimum - £500 Medium/long term alternative to fixed rates Also available for Cash ISAs & Cash ISA transfers Limited offer - deadlines apply May close early if oversubscribed Plan designed to be held for full term Returns not guaranteed. You may only receive a return of your original capital

Important Information: Structured deposit plans offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.