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Discover the Best Available Business Fixed Rate Bonds today and use our easy comparison charts to check the most up to date Business Fixed Rate Bonds to find an account that is right for you. Looking for more information? Read our news and guide sections below the chart.

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Amount

Child Age

The account is for a

Sole Trader

Limited Liability Partnership

Public Limited Company

Partnership

Limited Company

Not for Profit Organisation

Interest Paid

Annually

Monthly

On Maturity

Quarterly

Yearly

Further Options ˅

Anniversary

Further Options ˅

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 business per institution. The deposits of most non-financial services businesses are covered up to the £85,000 limit.

Disclaimer

The list of business bond providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

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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.

This depends on your business needs, but a good rule of thumb is probably to split your savings between easy access and fixed rate accounts. The benefit of locking your money away is that you'll get more interest, and generally speaking, the longer the term, the higher the rate.

This means you have the potential to get a substantial return from your surplus cash by the end of the term, but just bear in mind that fixed rate accounts typically won't allow access prior to maturity (and if they do, there could be a hefty penalty), so you'll need to be confident that you won't need access to your money for the duration of the deal.

This is why you'll want to keep at least a portion of your savings in a more accessible account, to ensure you can withdraw funds easily should you need them. These accounts will typically be variable rate, which means they could change at any time, but there are still some competitive deals available – particularly if you don't mind giving a bit of notice to access your funds.

Then there's the potential to lock your money away for only a very short period of time – this could still give you a better return than an easy access account, but you can be safe in the knowledge that you don't have to lose access for long. Some providers will offer fixed rate bonds with terms as short as three or six months, which could be the ideal compromise for some businesses.

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

Whether a business is eligible for protection under the compensation scheme is not straightforward (even the FSCS’s site can’t give a definitive answer!), but generally the deposits of non-financial businesses will be covered.

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 guide.