Fixed Rate Bonds

  - Compare the best fixed rate bonds for savings you're prepared to put away for a set term.
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  1 Year Fixed Rates  

Fixed Rate Bond
2.15%
18 Month Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Rate Bond
2.06%
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Term (1 Year)
2.06%
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
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Fixed Term Deposit
2.02%
18 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

UTB 18 Month Bond
2.00%
18 Month Bond £500
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

18 Month Fixed Rate Bond Issue 10
2.00%
18 Month Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

1 Year Fixed Rate Bond Issue 30
1.95%
1 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

1 year fixed rate bond Issue 32
1.95%
1 Year Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...  

One Year Fixed Rate
1.91%
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

1 Year Fixed Rate Bond
1.90%
1 Year Bond £1
  1. Yes
  2. No
  3. No
  4. Yes
Details...  
     
  2 Year Fixed Rates  

Fixed Rate Bond 2 Year Term (Series 12)
2.38%
31.07.17 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Term (2 Year)
2.35%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
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Two Year Fixed Rate
2.34%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Term Deposit
2.32%
24 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

2 Year Fixed Rate Account
2.25%
2 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
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Fixed Rate Bond
2.25%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2 Year Fixed Rate Bond Issue 31
2.20%
2 Year Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

Fixed Term Deposit
2.18%
2 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2 Year Fixed Term Deposit
2.15%
2 Year Bond £2000
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

2 Year Fixed Rate Savings
2.10%
2 Year Bond £1
  1. Yes
  2. No
  3. No
  4. Yes
Details...  
     
  3 Year Fixed Rates  

Fixed Rate Savings Account
2.70%
3 Year Bond £10000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

Three Year Fixed Rate
2.66%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Rate Bond
2.65%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Term Deposit
2.63%
36 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

3 Year Fixed Term Deposit
2.50%
3 Year Bond £2000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...
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Bond
2.46%
3 Year Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...
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High Yield
2.44%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
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3 Year Fixed Rate Bond Issue 29
2.40%
3 Year Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

Fixed Rate Deposit
2.40%
3 Year Bond £10000
  1. No
  2. No
  3. Yes
  4. No
Details...
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Fixed Term Deposit
2.35%
3 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...  
     
  4 Year & Over Fixed Rates  

Fixed Rate Savings Account
3.30%
5 Year Bond £10000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

Fixed Rate Bond 7 Year Term (Series 20)
3.11%
31.07.22 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

7 Year Fixed Rate Bond 3rd Issue
3.10%
7 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Rate Bond 5 Year Term (Series 21)
3.08%
31.07.20 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Fixed Rate Bond
3.05%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

5 Year Fixed Term Deposit
3.04%
5 Year Bond £2000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...
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Fixed Rate Bond
2.95%
60 Month Bond £5000
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

High Yield
2.90%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
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Online 5 Year Fixed Term Deposit
2.90%
5 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...
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Fixed Rate Saver
2.80%
5 Year Bond £2000
  1. Yes
  2. No
  3. No
  4. Yes
Details...  
     
     
  Sponsored Products  

1 Year Fixed Rate Account
1.90%
1 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
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Bond
1.90%
1 Year Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...
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Fixed Rate Deposit
1.75%
1 Year Bond £10000
  1. No
  2. No
  3. Yes
  4. No
Details...
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Fixed Deposit Account
1.60%
1 Year Bond £50000
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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Bond
1.56%
6 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...
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1 Year Fixed Rate Bond
1.50%
1 Year Bond £500
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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Bond
2.10%
2 Year Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...
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Fixed Deposit Account
1.90%
2 Year Bond £50000
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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Fixed Rate Saver
1.75%
2 Year Bond £5000
  1. Yes
  2. No
  3. No
  4. Yes
Details...
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3 Year Fixed Rate Account
2.30%
3 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
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Fixed Deposit Account
2.10%
3 Year Bond £50000
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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Fixed Rate Saver
2.00%
3 Year Bond £5000
  1. Yes
  2. No
  3. No
  4. Yes
Details...
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Fixed Deposit
2.90%
5 Year Bond £10000
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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Fixed Rate Deposit
2.70%
5 Year Bond £10000
  1. No
  2. No
  3. Yes
  4. No
Details...
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High Yield
2.61%
4 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
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5 Year Fixed Rate Account
2.50%
5 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
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5 Year Fixed Rate Bond
2.50%
5 Year Bond £500
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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4 Year Fixed Rate Account
2.35%
4 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
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Last Updated: Friday 31 July 2015 19:26

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to open an account today. Products shown with a yellow background are sponsored products.

Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
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Fixed rate bonds explained

  • Fixed rate bonds can pay higher interest rates than easy access or notice accounts
  • Be sure you can commit your money for the full term
  • You may only be able to make a single deposit into your bond

Fixed rate bonds pay a set amount of interest, over a predefined period on money you can afford not to access.

Because the bank or building society knows it will have the use of your money for the duration of the bond’s term, it can pay you a higher rate of interest than on an easy access account where it can’t be certain of having your money from one day to the next. The longer you are prepared to not have access to your money for, the higher the rates of interest that will be on offer.

Fixed rate bond terms can range from less than a year, right up to 5 years, giving savers choice on how long they wish to commit their cash. We say ‘commit’ because a fixed rate bond may not allow you to access your money during the term – and if access is allowed, it’s normally at the expense of a big interest penalty. Generally-speaking the best 1 year fixed rate bonds won’t allow you to make a withdrawal if you need to. However, longer term bonds will generally allow access, but will impose strict interest penalties.

Early access penalties…

Bonds that do allow access may impose a flat loss of interest penalty, no matter when in the term you make the withdrawal (so, 180 days’ loss of interest for instance). Others may taper the penalty, depending on the point during the term the withdrawal is made (so, 365 days’ loss if the withdrawal is in the first year, 320 days’ loss if the withdrawal is in the second year, etc.).

WarningIf you think that you may need to access your money during the term, a fixed rate bond is not for you.

Depositing into a fixed rate bond…

Fixed rate bonds may only allow you to make a single deposit at account opening. If you are allowed to make further deposits after opening, you will only be able to do this while the bond is on offer to new customers – once it is withdrawn from sale you cannot add to your savings pot.

So if you’re looking for a savings account that will allow you to add to your savings, a fixed rate bond is not for you. You could try the alternatives of a fixed rate regular savings account, or a variable rate easy access or notice savings account instead.

How your interest is paid…

Most fixed rate bonds will pay interest every year, allowing you to benefit from the positive effects of compound interest over a longer term. However, some bonds may pay interest only when the term ends and the bond matures. Providers may also offer a monthly interest option, which allows savers who use their interest as income to get a regular, set monthly payment from their savings.

When your fixed rate bond matures…

Be sure to keep track of when your bond ends. Your bank or building society will normally write to you as the bond approaches the end of its term to ask what you want to do. If it doesn’t hear anything, your money may be re-invested in another fixed rate bond, or a variable rate maturity savings account, which may not pay as competitive an interest rate.

What next?

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