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.
	Vanquis Bank 5 Year Fixed Rate Bond	4.26%	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 Investment £1000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Saga 5 Year Fixed Rate Bond Exclusive savings account for the over 50s	4.20%	Monthly / Yearly	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£1 - £10,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50
	Scottish Widows 5 Year Fixed Term Deposit	4.10%	Yearly	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£10,000 - £5,000,000	MORE INFO Read this before you proceed. Investment Deadline: 11th April 2011 To qualify for this product you need to meet the following criteria. Minimum Investment £10,000 Minimum Age 16 Existing Customer No
	Governor Money 4 Year Fixed Rate Bond - Progressive Building Society	4.05%	Yearly	Fixed Term / 4 Year	OnlineTelephoneBranchPost	£100 - £100,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £100 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Governor Money 3 Year Fixed Rate Bond - Saffron Building Society	3.75%	Yearly	Fixed Term / 3 Year	OnlineTelephoneBranchPost	£100 - £100,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £100 Permanent UK Resident Yes Minimum Age 18
	Post Office 3 Year Online Bond	3.72%	Monthly / Yearly	Fixed Term / 3 Year	OnlineTelephoneBranchPost	£500 - £2,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £500 Permanent UK Resident Yes Minimum Age 18
	Vanquis Bank 3 Year Fixed Rate Bond	3.61%	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 Investment £1000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Saga 2 Year Fixed Rate Bond Exclusive savings account for the over 50s	3.60%	Monthly / Yearly	Fixed Term / 2 Years	OnlineTelephoneBranchPost	£1 - £10,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50
	Scottish Widows 3 Year Fixed Term Deposit Account	3.50%	Monthly / Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. Investment Deadline: 27th March 2012 To qualify for this product you need to meet the following criteria. Minimum Investment £10,000
	Post Office 1 Year Online Bond	3.27%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£500 - £2,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £500 Permanent UK Resident Yes Minimum Age 18
	Governor Money 14 Month Fixed Rate Bond - Clydesdale Bank	3.20%	Yearly	Fixed Term / 14 Month	OnlineTelephoneBranchPost	£100 - £100,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £100 Permanent UK Resident Yes Minimum Age 18
	Saga 1 Year Fixed Rate Bond Exclusive savings account for the over 50s	3.00%	Monthly / Yearly	Fixed Term / 1 Years	OnlineTelephoneBranchPost	£1 - £10,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50
	Nationwide 1 Year e-Bond Only available to Nationwide Flex Account customers	2.70% AER dependent on balance £1+ = 2.45% £10k+ =2.50% £25k+ = 2.60% £50k+ = 2.70%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£1 - £3,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have a Nationwide current account To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 16 Existing Customer Yes
	Nationwide 6 Month e-Bond Only available to Nationwide Flex Account customers	2.26%	Monthly / Yearly	Fixed Term / 6 Month	OnlineTelephoneBranchPost	£1 - £3,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have a Nationwide current account To qualify for this product you need to meet the following criteria. Minimum Investment £1 Minimum Age 16 Existing Customer yes

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.
	Post Office 1 Year Online Bond	3.27%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£500 - £2,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £500 Permanent UK Resident Yes Minimum Age 18
	Governor Money 14 Month Fixed Rate Bond - Clydesdale Bank	3.20%	Yearly	Fixed Term / 14 Month	OnlineTelephoneBranchPost	£100 - £100,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £100 Permanent UK Resident Yes Minimum Age 18
	Saga 1 Year Fixed Rate Bond Exclusive savings account for the over 50s	3.00%	Monthly / Yearly	Fixed Term / 1 Years	OnlineTelephoneBranchPost	£1 - £10,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50
	Nationwide 1 Year e-Bond Only available to Nationwide Flex Account customers	2.70% AER dependent on balance £1+ = 2.45% £10k+ =2.50% £25k+ = 2.60% £50k+ = 2.70%	Monthly / Yearly	Fixed Term / 1 Year	OnlineTelephoneBranchPost	£1 - £3,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have a Nationwide current account To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 16 Existing Customer Yes
	Nationwide 6 Month e-Bond Only available to Nationwide Flex Account customers	2.26%	Monthly / Yearly	Fixed Term / 6 Month	OnlineTelephoneBranchPost	£1 - £3,000,000	MORE INFO Read this before you proceed. In order to access this rate you need to open or currently have a Nationwide current account To qualify for this product you need to meet the following criteria. Minimum Investment £1 Minimum Age 16 Existing Customer yes

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.
	Saga 2 Year Fixed Rate Bond Exclusive savings account for the over 50s	3.60%	Monthly / Yearly	Fixed Term / 2 Years	OnlineTelephoneBranchPost	£1 - £10,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50

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.
	Governor Money 3 Year Fixed Rate Bond - Saffron Building Society	3.75%	Yearly	Fixed Term / 3 Year	OnlineTelephoneBranchPost	£100 - £100,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £100 Permanent UK Resident Yes Minimum Age 18
	Post Office 3 Year Online Bond	3.72%	Monthly / Yearly	Fixed Term / 3 Year	OnlineTelephoneBranchPost	£500 - £2,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £500 Permanent UK Resident Yes Minimum Age 18
	Vanquis Bank 3 Year Fixed Rate Bond	3.61%	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 Investment £1000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Scottish Widows 3 Year Fixed Term Deposit Account	3.50%	Monthly / Yearly / On Maturity	Fixed Term / 3 Years	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. Investment Deadline: 27th March 2012 To qualify for this product you need to meet the following criteria. Minimum Investment £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.
	Vanquis Bank 5 Year Fixed Rate Bond	4.26%	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 Investment £1000 Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Saga 5 Year Fixed Rate Bond Exclusive savings account for the over 50s	4.20%	Monthly / Yearly	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£1 - £10,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50
	Scottish Widows 5 Year Fixed Term Deposit	4.10%	Yearly	Fixed Term / 5 Years	OnlineTelephoneBranchPost	£10,000 - £5,000,000	MORE INFO Read this before you proceed. Investment Deadline: 11th April 2011 To qualify for this product you need to meet the following criteria. Minimum Investment £10,000 Minimum Age 16 Existing Customer No
	Governor Money 4 Year Fixed Rate Bond - Progressive Building Society	4.05%	Yearly	Fixed Term / 4 Year	OnlineTelephoneBranchPost	£100 - £100,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £100 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 FTSE 100 3 Year Deposit Plan			3 years	17.25%	MORE INFO
3 year structured deposit plan Capital protected Target return of 17.25% Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Gilliat Deposit Kick Out			Up to 6 years	9.50% per annum	MORE INFO
Structured deposit plan with a term of up to 6 years Capital protected Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	Investec FTSE 100 Kick Out Deposit Plan - Option 2			Up to 5 years	6.00% per annum	MORE INFO
5 year structured deposit plan Capital protected Potential for early maturity after years 2,3 and 4 Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Investec FTSE 100 Deposit Growth Plan			5 years	No limit	MORE INFO
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Legal and General Growth Deposit Bond			6 years	50%	MORE INFO
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

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
	Fair Investment Income Deposit Plan			6 Years	7.00% per annum	MORE INFO
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Income is not guaranteed Plan designed to be held for full term May close early if oversubscribed

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.