Compare The Best Fixed Rate Bonds | moneyfacts.co.uk
 

Fixed Rate Bonds

  - Investing a lump sum into a fixed rate savings account with give you a guaranteed return after a set about of time.

Also look at:

Compare the Best Fixed Rate Bonds

Compare
Up to 3 products
side by side
AER Notice / Term Minimum Investment Account Opening Search all 1718 accounts
 

How Long are you looking to fix?

 
  1 Year Fixed Rates  

2.05%
expected rate
18 Month Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.00%
expected rate
1 Year Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

1.91%
expected rate
18 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

1.90%
18 Month Bond £25000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.89%
18 Month Bond £100
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.87%
1 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.87%
18 Month Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.86%
expected rate
12 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

1.85%
18 Month Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.85%
1 Year Bond £25000
  1. Yes
  2. No
  3. No
  4. No
Details...  
     
  2 Year Fixed Rates  

2.10%
expected rate
2 Year Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.08%
30 Month Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

2.06%
23.12.19 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.05%
2 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.05%
2 Year Bond £1000
  1. Yes
  2. Yes
  3. No
  4. No
Details...
Go to Site
 

2.05%
2 Year Bond £1000
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

2.02%
expected rate
24 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

2.01%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.00%
2 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.97%
expected rate
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 
     
  3 Year Fixed Rates  

2.25%
expected rate
3 Year Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.20%
3 Year Bond £100
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.20%
3 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.20%
3 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.17%
3 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.17%
expected rate
36 Month Bond £1000
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

2.16%
3 Year Bond £1000
  1. Yes
  2. Yes
  3. No
  4. No
Details...
Go to Site
 

2.16%
3 Year Bond £1000
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

2.15%
3 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

2.15%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  
     
  4 Year & Over Fixed Rates  

2.55%
expected rate
7 Year Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.51%
22.12.22 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.50%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

2.50%
7 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

2.50%
expected rate
5 Year Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.42%
5 Year Bond £1000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

2.40%
7 Year Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...  

2.40%
5 Year Bond £10000
  1. No
  2. No
  3. Yes
  4. No
Details...  

2.40%
expected rate
4 Year Bond £25000
  1. No
  2. No
  3. Yes
  4. No
Details...
Go to Site
 

2.37%
expected rate
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 
     
     
  Sponsored Products  

1.87%
1 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.75%
1 Year Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.70%
1 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.82%
expected rate
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.50%
12 Month Bond £5000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.50%
12 Month Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.56%
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.50%
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.54%
1 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.50%
1 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.45%
1 Year Bond £1000
  1. Yes
  2. Yes
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

0.80%
6 Month Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.25%
6 Month Bond £5000
  1. Yes
  2. No
  3. Yes
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

0.75%
6 Month Bond £5000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 1 Year Fixed Rates Best Buys
 

1.70%
24 Month Bond £5000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 2 Year Fixed Rates Best Buys
 

1.60%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 2 Year Fixed Rates Best Buys
 

1.82%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 2 Year Fixed Rates Best Buys
 

1.81%
2 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 2 Year Fixed Rates Best Buys
 

1.55%
2 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 2 Year Fixed Rates Best Buys
 

2.12%
expected rate
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 3 Year Fixed Rates Best Buys
 

2.00%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 3 Year Fixed Rates Best Buys
 

1.96%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 3 Year Fixed Rates Best Buys
 

1.65%
3 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 3 Year Fixed Rates Best Buys
 

1.60%
3 Year Bond £10000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 3 Year Fixed Rates Best Buys
 

1.85%
4 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 4 Year & Over Fixed Rates Best Buys
 

2.00%
5 Year Bond £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 4 Year & Over Fixed Rates Best Buys
 

2.30%
5 Year Bond £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site View 4 Year & Over Fixed Rates Best Buys
 

2.16%
5 Year Bond £1000
  1. Yes
  2. Yes
  3. No
  4. No
Details...
Go to Site View 4 Year & Over Fixed Rates Best Buys
 
Compare
Last Updated: Thursday 14 December 2017 12:26

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.

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.
Search All Savings Accounts >>
 
Free Brochures and Guides

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 five years (or even longer in a few cases), 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 one year fixed rate bonds won’t allow you to make a withdrawal if you need to. However, longer-term bonds may 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 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?

Savings home
Search all savings accounts

Compare:

Savings guides

 
Inflation up again–what does it mean for savings?
Inflation up again–what does it mean for savings?

2017 has certainly been an interesting year for savers, from the record-low rates at the start of th... More

Millennial workers save the most
Millennial workers save the most

Millennials are often thought of as being bad with money, yet research shows that this may be unwarr... More

6 of the best one-year bonds
6 of the best one-year bonds

Fixed rate bonds are still one of the best ways to secure a decent return from your hard-earned cash... More

Start saving for Christmas… 2018!
Start saving for Christmas… 2018!

Christmas is just around the corner and our annual festive splurging is starting to step up, but are... More

Big banks raise savings rates - worth the wait?
Big banks raise savings rates - worth the wait?

Just over a month after the base rate rise, banks have finally followed suit and raised their own sa... More

Sharia’a compliant savings accounts
Sharia’a compliant savings accounts

Islamic savings accounts offer a Sharia’a-compliant way of saving for Muslims living in the UK, as w... More

Depositor protection schemes if a bank goes bust
Depositor protection schemes if a bank goes bust

Find out where your bank or building society is licenced, and what deposit protection guarantees you... More

Is now the time to fix your savings rate?
Is now the time to fix your savings rate?

With some forecasters predicting interest rate cuts by November 2012, we look at the pros and cons o... More

NS&I release new bond issues
NS&I release new bond issues

National Savings & Investments has relaunched its popular Guaranteed Growth and Guaranteed Income Bo... More

Virgin Money now easy access number two
Virgin Money now easy access number two

Virgin Money has increased the rate on its easy access savings account by 0.15%, which sees it jump ... More

New easy access account storms the charts
New easy access account storms the charts

Post Office Money has released a new issue of its online-exclusive easy access account, which has ju... More

Masthaven’s 2 & 3-year bonds enter charts
Masthaven’s 2 & 3-year bonds enter charts

Masthaven Bank has increased the rates on its two and three-year fixed bonds by up to 0.25%. As a re... More

OakNorth’s short-term bonds compete
OakNorth’s short-term bonds compete

OakNorth Bank has amended the rates on its 12 and 15-month fixed bonds by up to 0.16%, which has mad... More

Close