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Home Business Business Bonds

What are Business Bonds?

Business fixed rate bonds are available to all businesses, although some accounts have qualifying conditions related to turnover or the type of business. Typically, they work in much the same way as fixed rate bonds for personal use. 

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and I want to invest
£
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Masthaven Bank Logo
Masthaven Bank 5 Year Fixed Term Bond FSCS logo
FSCS logo
AER
2.35%
Notice / Term
5 Year Bond
Min Investment
£5,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 12/09/2018
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 2.35% paid at £5K
AER 2.35% paid at £5K

Information

Minimum Opening Amount £5,000
Maximum Investment £500,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Charity Bank Logo
Charity Bank Ethical 3 Year Business Fixed Rate Account FSCS logo
FSCS logo
AER
2.10%
Notice / Term
3 Year Bond
Min Investment
£10,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 11/06/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 2.10% paid at £10K
AER 2.10% paid at £10K

Information

Minimum Opening Amount £10,000
Maximum Investment £500,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Hampshire Trust Bank Logo
Hampshire Trust Bank 3 Year Business Bond (Issue 16) FSCS logo
FSCS logo
AER
2.10%
Notice / Term
3 Year Bond
Min Investment
£5,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 29/05/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Not for profit organization Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 2.10% paid at £5K
AER 2.10% paid at £5K

Information

Minimum Opening Amount £5,000
Maximum Investment £750,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Hampshire Trust Bank Logo
Hampshire Trust Bank 2 Year Business Bond (Issue 24) FSCS logo
FSCS logo
AER
2.00%
Notice / Term
2 Year Bond
Min Investment
£5,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 25/02/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Not for profit organization Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 2.00% paid at £5K
AER 2.00% paid at £5K

Information

Minimum Opening Amount £5,000
Maximum Investment £750,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Hampshire Trust Bank Logo
Hampshire Trust Bank 18 Month Business Bond (Issue 2) FSCS logo
FSCS logo
AER
1.95%
Notice / Term
18 Month Bond
Min Investment
£5,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 29/05/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Not for profit organization Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 1.95% paid at £5K
AER 1.95% paid at £5K

Information

Minimum Opening Amount £5,000
Maximum Investment £750,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore Logo
Aldermore 1 Year Fixed Rate Savings Account FSCS logo
FSCS logo
AER
1.85%
Notice / Term
1 Year Bond
Min Investment
£1,000
Account Type
Business Fixed
Interest Paid
Monthly
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 11/01/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 1.83% paid at £1K
AER 1.85% paid at £1K

Information

Minimum Opening Amount £1,000
Maximum Investment £1,000,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore Logo
Aldermore 1 Year Fixed Rate Savings Account FSCS logo
FSCS logo
AER
1.85%
Notice / Term
1 Year Bond
Min Investment
£1,000
Account Type
Business Fixed
Interest Paid
On Maturity
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 11/01/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 1.85% paid at £1K
AER 1.85% paid at £1K

Information

Minimum Opening Amount £1,000
Maximum Investment £1,000,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Hampshire Trust Bank Logo
Hampshire Trust Bank 1 Year Business Bond (Issue 28) FSCS logo
FSCS logo
AER
1.85%
Notice / Term
1 Year Bond
Min Investment
£5,000
Account Type
Business Fixed
Interest Paid
On Maturity
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 09/08/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Not for profit organization Partnership Public Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 1.85% paid at £5K
AER 1.85% paid at £5K

Information

Minimum Opening Amount £5,000
Maximum Investment £750,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Masthaven Bank Logo
Masthaven Bank 18 Month Flexible Term Saver FSCS logo
FSCS logo
AER
1.85%
Notice / Term
18 Month Bond
Min Investment
£5,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 03/12/2018
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 1.85% paid at £5K
AER 1.85% paid at £5K

Information

Minimum Opening Amount £5,000
Maximum Investment £500,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Redwood Bank Logo
Redwood Bank Business Savings Bond Issue 2 FSCS logo
FSCS logo
AER
1.85%
Notice / Term
1 Year Bond
Min Investment
£10,000
Account Type
Business Fixed
Interest Paid
Anniversary
Go To Provider's Site
Account Information
Application Criteria
Access
Rates
Information
Additional Information

Account Information

Account Available From 16/08/2019
Interest Type Fixed Rate
Account Management
Post
Branch
Internet
Telephone
Mobile App

Application Criteria

Minimum Turnover N/A
Maximum Turnover N/A
Available To
Limited Company Limited Liability Partnership Partnership Sole Trader

Access

Withdrawals Allowed
Early Access Allowed
Access Note N/A
Further Additions Allowed

Rates

Rate 1.85% paid at £10K
AER 1.85% paid at £10K

Information

Minimum Opening Amount £10,000
Maximum Investment £1,000,000
Introductory Bonus N/A
Min Age N/A
Max Age N/A
Taxation -

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.

This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Note

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution.

Disclaimer

All rates subject to change without notice. Please check all rates and terms before investing or borrowing.

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Ask us anything?

Ask us anything?

Business bonds - a guide

nigel woollsey

Nigel Woollsey

Online Writer

At a glance

  • Fixed rate business bonds normally pay higher levels of interest than standard business savings accounts.
  • Typically, withdrawals will not be allowed (or at least be very limited) during the term of the bond. If you do withdraw any cash you are likely to be penalised in terms of loss of interest or even closure of the account.
  • There may be qualifying conditions or minimum levels of deposit required.

Business bonds explained

Business bonds are more suited to business owners looking to set aside a lump sum for a fixed amount of time, but the advantage of this commitment is that interest rates tend to be higher on fixed rate business bonds than their variable rate (and more accessible) counterparts.

It’s important that you make a note of the bond maturity date, as if you forget to give instructions to your bank or building society ahead of time the funds will generally be transferred to a lower-paying variable rate account.

Depositor protection for businesses

Money held in a business bond may fall under the protection of the Financial Services Compensation Scheme (FSCS).

A ’small business’ will be protected by the FSCS if it meets one of the following criteria:

  • A Partnership
  • A Limited Company
  • Unincorporated Association or mutual association
  • An annual turnover of less than £1 million

Larger businesses will not be covered by the scheme.

The FSCS protects the first £85,000 an eligible business has held under a single UK banking licence.

You can read more about this protection in our depositor protection scheme - business and charities guide.

Moneyfacts tip

Moneyfacts tip nigel woollsey

If you suspect you may need access to your funds it may be better to choose a business deposit account with easy access – the interest you earn may be a bit less but you won’t incur any penalties if you do need to withdraw funds during the term.

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