Compare fixed rate bonds

Fixed rate bonds

If you’re looking to invest a lump sum, a fixed rate bond could be perfect. It pays a guaranteed amount of interest for a set length of time. You probably won’t be allowed to access your savings during the fixed term, so invest money you can afford to lock away.

Earn 1,600 Flying Club miles with every £1,000 saved

Earn air miles with Virgin Atlantic 1 Year Flying Club Savings Account

Get a fixed rate of 1.36% AER/gross where the interest will be converted into Flying Club miles after a year at the maturity date.

You must have a valid Virgin Atlantic Flying Club membership.

Virgin Atlantic

Earn Flying Club miles with Virgin Atlantic

  • Get 1,600 Flying Club miles for every £1,000 you save
  • Earn 1.36% Gross/AER fixed for a year. The interest you earn will be converted to Flying Club miles after a year at the maturity date and is automatically transferred to your Virgin Atlantic Flying Club Account
  • Withdrawals are not permitted within the fixed term 
  • There is no option to take interest instead of Flying Club miles
  • You must be a UK resident  and 16 or over to open an account
  • You must deposit a minimum of £1 and maximum £1 million
Virgin Atlantic

Terms and conditions apply.

Get your deal

Fix your savings at 2.02% AER for one year

Earn 2.02% AER with a one-year fixed-rate bond from Union Bank of India

Online access only. Withdrawals not permitted during term.

Minimum deposit of £5,000.

You can’t get this offer on other comparison sites.

Bank of India

Earn 2.02% AER with a one-year fixed-rate bond from Union Bank of India

  • Open and manage your account online. Online access only
  • UK bank with Financial Services Compensation Scheme (FSCS) protection up to £85,000
  • Additional deposits and withdrawals are not permitted within the fixed term
  • You must be 18 or over and a UK resident to open this account
  • You must deposit a minimum of £5,000 to open the account. The maximum balance you can have in this account is £340,000 (only £85,000 will be covered by the FSCS).
Bank of India

Terms and conditions apply.

Get your deal

 

You can open the accounts below through MoneySuperMarket. We can show you all the accounts on the market, but we can only help you to open some of them.

 

Short term fixed rate bonds - Ordered by interest rate

See all fixed rate bond accounts

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{340000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Exclusive

ONLY AVAILABLE VIA MONEYSUPERMARKET AND UNION BANK OF INDIA UK LTD

Great for
  • This fixed rate bond is opened and accessed online
  • You'll get a fixed rate of interest of 2.02% AER - which will be paid at the end of the 12 months
  • Deposit up to £340,000
But be aware that
  • You won't be able to access your deposit or close your account until the end of the bond term
  • You'll need to be aged 18 or over and a UK resident to open an account
  • You won't be able to open or access your account over the phone, in branch or by post
Show key information
Close
Ford Money Ford Money

Fixed Saver 1 Year

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{2000000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Enjoy a fixed rate of interest for locking a lump sum of money away for 12 months
  • Make an unlimited number of deposits within the first 14 days of your application being received
  • Minimum deposit £500, maximum balance £2,000,000
But be aware that
  • Balances up to £85,000 (£170,000 for a joint account) are fully protected under the Financial Services Compensation Scheme (this applies per bank, not per account)
Show key information
Close
Paragon Bank Paragon Bank

1 Year Fixed Rate Savings Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{100000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • UK based bank with FSCS protection up to £85,000
  • A guaranteed rate of interest for the full term of the product
  • Opening and managing your account online
But be aware that
  • Online access only
  • You must be over 18 and a UK resident to open this account
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{2000000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Customers who are happy to leave their money untouched for a fixed term
  • Opening with a single deposit from just £500
  • Choose either monthly or annual interest payments
But be aware that
  • No additional deposits permitted
  • You won’t be able to close your bond unless it’s due to exceptional circumstances and a breakage fee may apply. If the interest you’ve earned doesn’t cover this, you may get back less than you put in
  • Online Bond is provided by Bank of Ireland UK
Show key information
Close
Bank & Clients Bank & Clients

Raisin UK - 1 Year Fixed Term Deposit

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{85000 | currency : '' : 0}}

Term

12 month bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Cashback

Up to £100 bonus with Raisin (min £10K deposit). Apply: Sign up via Raisin’s savings marketplace website, agree to T&Cs; Email them with ‘Welcome bonus’ in subject line within 6 months of funding. Once verified, Raisin will credit your account in 14 days

Great for
  • You can open and manage your account online.
  • UK bank with Financial Services Compensation Scheme protection up to £85,000 per person
  • Up to £100 bonus, for all customers who successfully fund a new fixed term deposit on the Raisin UK savings marketplace. (From 2nd August, 5pm)
But be aware that
  • You must be over 18 and a UK resident to open this account
  • Online access only
  • Additional deposits and withdrawals are not permitted within the fixed term
Show key information
Close
QIB UK QIB UK

Raisin UK - 1 Year Fixed Term Deposit

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{85000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Expected Profit Rate

This account is Sharia compliant. As such, the account pays an 'expected profit rate' rather than an interest rate

Great for
  • You can open and manage your account online.
  • UK bank with Financial Services Compensation Scheme protection up to £85,000 per person
  • Up to £80 cash launch bonus, for all new customers who successfully fund their first fixed term deposit on the Raisin savings marketplace
But be aware that
  • You must be over 18 and a UK resident to open this account
  • Online access only
  • Additional deposits and withdrawals are not permitted within the fixed term
Show key information
Close
Wyelands Bank Wyelands Bank

12 Month Fixed Term Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

12 month bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Online application and operation
  • FSCS protection up to £85,000 per depositor
But be aware that
  • Withdrawals are not permitted within the fixed term
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

12 month bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • High interest, short term bonds with a fixed rate for the term of the deposit
  • Apply for this product online
  • FSCS protected up to £85,000 per investor
But be aware that
  • No early withdrawals or closures allowed
  • You must be over 18 and a UK resident to open this account
  • You must fund your account within 30 days of the account opening date
Show key information
Close
Axis Bank Axis Bank

Fixed Deposit Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{200000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Interest options: monthly, quarterly, annually or upon maturity, with automatic roll-over option
  • Quick and easy online application process
  • FSCS compensation scheme
But be aware that
  • Withdrawals are not permitted within the fixed term
  • You must be aged 18 or over
Show key information
Close
RCI Bank UK RCI Bank UK

Fixed Term Savings Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Allows unlimited top-ups for first 30 days
  • Support seven days a week and a choice of monthly or annual interest
  • Part of Renault’s global banking group
But be aware that
  • RCI Bank is part of a French banking group and the first €100,000 equivalent is protected by the French deposit guarantee scheme, rather than by the UK FSCS scheme which protects the first £85,000
Show key information
Close
Aldermore Aldermore

1 Year Fixed Rate Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Peace of mind - know exactly what interest rate you'll earn for a set period and Aldermore will personally write to you before your account matures
  • Open an account with just £1,000
  • Great value - no fees or charges for day-to-day account services
But be aware that
  • No withdrawals, transfers out or closures permitted before the maturity date
  • Aldermore guarantee to pay the interest rates shown provided a deposit is paid into the account within 14 calendar days of the account being opened
  • You'll need to provide Aldermore with details of a UK personal bank or building society account to link to your Aldermore account
Show key information
Close
Bank & Clients Bank & Clients

Raisin UK - 9 Month Fixed Term Deposit

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{85000 | currency : '' : 0}}

Term

9 month bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Cashback

Up to £100 bonus with Raisin (min £10K deposit). Apply: Sign up via Raisin’s savings marketplace website, agree to T&Cs; Email them with ‘Welcome bonus’ in subject line within 6 months of funding. Once verified, Raisin will credit your account in 14 days

Great for
  • You can open and manage your account online
  • UK based bank with FSCS protection up to £85,000
  • Up to £100 bonus, for all customers who successfully fund a new fixed term deposit on the Raisin UK savings marketplace. (From 2nd August, 5pm)
But be aware that
  • You must be over 18 and a UK resident to open this account
  • Online access only
  • Additional deposits and withdrawals are not permitted within the fixed term
Show key information
Close
Wyelands Bank Wyelands Bank

6 Month Fixed Term Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

6 month bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Online application and operation
  • FSCS protection up to £85,000 per depositor
But be aware that
  • Withdrawals are not permitted within the fixed term
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

1 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • A choice between monthly or annual interest
  • Available to new and existing customers
But be aware that
  • Withdrawals or early closures are not permitted within the fixed term
  • No additional deposits can be made after 30 days of opening your account
  • You must be aged 18 or over and a UK resident
Show key information
Close

 

18 month fixed rate bonds - Ordered by interest rate

 

Two year fixed rate bonds - Ordered by interest rate

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{340000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Exclusive

ONLY AVAILABLE VIA MONEYSUPERMARKET AND UNION BANK OF INDIA UK LTD

Great for
  • This fixed rate bond is opened and accessed online
  • You'll get a fixed rate of interest of 2.27% AER - which will be paid at the end of the 24 months
  • Deposit up to £340,000
But be aware that
  • You won't be able to access your deposit or close your account until the end of the bond term
  • You'll need to be aged 18 or over and a UK resident to open an account
  • You won't be able to open or access your account over the phone, in branch or by post
Show key information
Close
Axis Bank Axis Bank

Fixed Deposit Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{200000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Interest options: monthly, quarterly, annually or upon maturity, with automatic roll-over option
  • Quick and easy online application
  • FSCS compensation scheme
But be aware that
  • Withdrawals are not permitted within the fixed term
  • You must be aged 18 or over
Show key information
Close
Ford Money Ford Money

Fixed Saver 2 Year

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{2000000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Enjoy a fixed rate of interest for locking a lump sum of money away for 24 months
  • Make an unlimited number of deposits within the first 14 days of your application being received
  • Minimum deposit £500, maximum balance £2,000,000
But be aware that
  • Balances up to £85,000 (£170,000 for a joint account) are fully protected under the Financial Services Compensation Scheme (this applies per bank, not per account)
Show key information
Close
Wyelands Bank Wyelands Bank

24 Month Fixed Term Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

24 month bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Online application and operation
  • FSCS protection up to £85,000 per depositor
But be aware that
  • Withdrawals are not permitted within the fixed term
Show key information
Close
RCI Bank UK RCI Bank UK

Fixed Term Savings Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Allows unlimited top-ups for first 30 days
  • Support seven days a week and a choice of monthly or annual interest
  • Part of Renault’s global banking group
But be aware that
  • RCI Bank is part of a French banking group and the first €100,000 equivalent is protected by the French deposit guarantee scheme, rather than by the UK FSCS scheme which protects the first £85,000
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{2000000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Customers who are happy to leave their money untouched for a fixed term
  • Opening with a single deposit from just £500
  • Choose either monthly or annual interest payments
But be aware that
  • No additional deposits permitted
  • You won’t be able to close your bond unless it’s due to exceptional circumstances and a breakage fee may apply. If the interest you’ve earned doesn’t cover this, you may get back less than you put in
  • Online Bond is provided by Bank of Ireland UK
Show key information
Close
QIB UK QIB UK

Raisin UK - 2 Year Fixed Term Deposit

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{85000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Expected Profit Rate

This account is Sharia compliant. As such, the account pays an 'expected profit rate' rather than an interest rate

Great for
  • You can open and manage your account online.
  • UK bank with Financial Services Compensation Scheme protection up to £85,000 per person
  • Up to £100 bonus with Raisin (min £10K deposit). Apply: Sign up via Raisin’s savings marketplace website, agree to T&Cs; Email them with ‘Welcome bonus’ in subject line within 6 months of funding. Once verified, Raisin will credit your account in 14 days
But be aware that
  • You must be over 18 and a UK resident to open this account
  • Online access only
  • Additional deposits and withdrawals are not permitted within the fixed term
Show key information
Close
Aldermore Aldermore

2 Year Fixed Rate Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Peace of mind - know exactly what interest rate you'll earn for a set period and Aldermore will personally write to you before your account matures
  • Open an account with just £1,000
  • Great value - no fees or charges for day-to-day account services
But be aware that
  • No withdrawals, transfers out or closures permitted before the maturity date
  • Aldermore guarantee to pay the interest rates shown provided a deposit is paid into the account within 14 calendar days of the account being opened
  • You'll need to provide Aldermore with details of a UK personal bank or building society account to link to your Aldermore account
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

2 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • A choice between monthly or annual interest
  • Available to new and existing customers
But be aware that
  • Withdrawals or early closures are not permitted within the fixed term
  • No additional deposits can be made after 30 days of opening your account
  • You must be aged 18 or over and a UK resident
Show key information
Close

 

Three year fixed rate bonds - Ordered by interest rate

Paragon Bank Paragon Bank

3 Year Fixed Rate Savings Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{100000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • UK based bank with FSCS protection up to £85,000
  • Opening and managing your account online
  • A guaranteed rate of interest for the full term of the product
But be aware that
  • Additional deposits and withdrawals are not permitted within the fixed term
  • You must be over 18 and a UK resident to open this account
Show key information
Close
RCI Bank UK RCI Bank UK

Fixed Term Savings Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Allows unlimited top-ups for first 30 days
  • Support seven days a week and a choice of monthly or annual interest
  • Part of Renault’s global banking group
But be aware that
  • RCI Bank is part of a French banking group and the first €100,000 equivalent is protected by the French deposit guarantee scheme, rather than by the UK FSCS scheme which protects the first £85,000
Show key information
Close
Axis Bank Axis Bank

Fixed Deposit Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{200000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Interest options: monthly, quarterly, annually or upon maturity, with automatic roll-over option
  • Quick and easy online application process
  • FSCS compensation scheme
But be aware that
  • Withdrawals are not permitted within the fixed term
  • You must be aged 18 or over
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{2000000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Customers who are happy to leave their money untouched for a fixed term
  • Opening with a single deposit from just £500
  • Choose either monthly or annual interest payments
But be aware that
  • No additional deposits permitted
  • You won’t be able to close your bond unless it’s due to exceptional circumstances and a breakage fee may apply. If the interest you’ve earned doesn’t cover this, you may get back less than you put in
  • Online Bond is provided by Bank of Ireland UK
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{340000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Exclusive

ONLY AVAILABLE VIA MONEYSUPERMARKET AND UNION BANK OF INDIA UK LTD

Great for
  • This fixed rate bond is opened and accessed online
  • You'll get a fixed rate of interest of 2.30% AER - which will be paid at the end of the 36 months
  • Deposit up to £340,000
But be aware that
  • You won't be able to access your deposit or close your account until the end of the bond term
  • You'll need to be aged 18 or over and a UK resident to open an account
  • You won't be able to open or access your account over the phone, in branch or by post
Show key information
Close
Aldermore Aldermore

3 Year Fixed Rate Account

Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Peace of mind - know exactly what interest rate you'll earn for a set period and Aldermore will personally write to you before your account matures
  • Open an account with just £1,000
  • Great value - no fees or charges for day-to-day account services
But be aware that
  • No withdrawals, transfers out or closures permitted before the maturity date
  • Aldermore guarantee to pay the interest rates shown provided a deposit is paid into the account within 14 calendar days of the account being opened
  • You'll need to provide Aldermore with details of a UK personal bank or building society account to link to your Aldermore account
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

3 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • A choice between monthly or annual interest
  • Available to new and existing customers
But be aware that
  • Withdrawals or early closures are not permitted within the fixed term
  • No additional deposits can be made after 30 days of opening your account
  • You must be aged 18 or over and a UK resident
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Close

 

Four year fixed rate bonds - Ordered by interest rate

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{340000 | currency : '' : 0}}

Term

4 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
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Exclusive

ONLY AVAILABLE VIA MONEYSUPERMARKET AND UNION BANK OF INDIA UK LTD

Great for
  • This fixed rate bond is opened and accessed online
  • You'll get a fixed rate of interest of 2.30% AER - which will be paid at the end of the 48 months
  • Deposit up to £340,000
But be aware that
  • You won't be able to access your deposit or close your account until the end of the bond term
  • You'll need to be aged 18 or over and a UK resident to open an account
  • You won't be able to open or access your account over the phone, in branch or by post
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Bank & Clients Bank & Clients

Raisin UK - 4 Year Fixed Term Deposit

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{85000 | currency : '' : 0}}

Term

4 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
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Cashback

Up to £100 bonus with Raisin (min £10K deposit). Apply: Sign up via Raisin’s savings marketplace website, agree to T&Cs; Email them with ‘Welcome bonus’ in subject line within 6 months of funding. Once verified, Raisin will credit your account in 14 days

Great for
  • You can open and manage your account online
  • UK bank with Financial Services Compensation Scheme protection up to £85,000 per person
  • Up to £100 bonus, for all customers who successfully fund a new fixed term deposit on the Raisin UK savings marketplace. (From 2nd August, 5pm)
But be aware that
  • You must be over 18 and a UK resident to open this account
  • Online access only
  • Additional deposits and withdrawals are not permitted within the fixed term
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

4 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • A choice between monthly or annual interest
  • Available to new and existing customers
But be aware that
  • Withdrawals or early closures are not permitted within the fixed term
  • No additional deposits can be made after 30 days of opening your account
  • You must be aged 18 or over and a UK resident
Show key information
Close

 

Five year fixed rate bonds - Ordered by interest rate

Axis Bank Axis Bank

Fixed Deposit Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{200000 | currency : '' : 0}}

Term

5 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Interest options: monthly, quarterly, annually or upon maturity, with automatic roll-over option
  • Quick and easy online application process
  • FSCS compensation scheme
But be aware that
  • Withdrawals are not permitted within the fixed term
  • You must be aged 18 or over
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{340000 | currency : '' : 0}}

Term

5 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Exclusive

ONLY AVAILABLE VIA MONEYSUPERMARKET AND UNION BANK OF INDIA UK LTD

Great for
  • This fixed rate bond is opened and accessed online
  • You'll get a fixed rate of interest of 2.30% AER - which will be paid at the end of the 60 months
  • Deposit up to £340,000
But be aware that
  • You won't be able to access your deposit or close your account until the end of the bond term
  • You'll need to be aged 18 or over and a UK resident to open an account
  • You won't be able to open or access your account over the phone, in branch or by post
Show key information
Close
Aldermore Aldermore

5 Year Fixed Rate Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{1000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

5 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Peace of mind - know exactly what interest rate you'll earn for a set period and Aldermore will personally write to you before your account matures
  • Open an account with just £1,000
  • Great value - no fees or charges for day-to-day account services
But be aware that
  • No withdrawals, transfers out or closures permitted before the maturity date
  • Aldermore guarantee to pay the interest rates shown provided a deposit is paid into the account within 14 calendar days of the account being opened
  • You'll need to provide Aldermore with details of a UK personal bank or building society account to link to your Aldermore account
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Newcastle Building Society Newcastle Building Society

Five Year Fixed Rate Bond (Issue 25)

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{250000 | currency : '' : 0}}

Term

until 15.12.23

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • Ideal for lump sum investments up to £250,000
  • Earn a fixed rate of interest on your savings for the bond term
  • Withdraw or transfer up to 25% of your savings deposit amount without giving notice or paying a fee
But be aware that
  • You won't be able to withdraw more than 25% of your savings deposit until the bond matures on the 15th December 2023
  • Your funds will automatically roll into an easy access default savings account when the bond matures
  • You won't be able to pay in any more savings after your initial cash deposit
Show key information
Close
Go to site

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Term

5 year bond

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Go to site
Great for
  • A choice between monthly or annual interest
  • Available to new and existing customers
But be aware that
  • Withdrawals or early closures are not permitted within the fixed term
  • No additional deposits can be made after 30 days of opening your account
  • You must be aged 18 or over and a UK resident
Show key information
Close

 

 

 

If you’re looking to invest a lump sum, a fixed rate bond could be perfect. It pays a guaranteed amount of interest for a set length of time. You probably won’t be allowed to access your savings during the fixed term, so invest money you can afford to lock away.

These are the best accounts available to open through MoneySuperMarket. We can show you all the accounts on the market, but we can only help you to open some of them.

See all fixed rate bond accounts

Not sure what account is right for you?

 

What is a fixed rate bond?

A fixed rate bond is a type of savings account that lets you put your money away for a set period of time in return for a fixed amount of interest on your cash. You won’t be able to access your money for the duration of the bond term.

How do fixed rate bonds work?

The amount of interest you earn on your fixed rate bond will mostly depend on the bond term, but it may also depend on the size of the cash deposit you pay in.

Fixed rate bond term

Generally, the longer you’re happy to tie up your money for, the better the interest rate you’ll receive. But you’ll need to work out how long you can realistically afford to leave your money untouched for.

You can choose to put your money in a fixed rate bond for:

  • 6 months
  • 1 year
  • 18 months
  • 2 years
  • 3 years
  • 5 years

Longer term bonds may also be available, but you need to be sure you could afford not to access your money for that length of time.

Deposit amount

You’ll also need to think about the amount you can pay in to your account because most savings accounts will have a minimum opening amount – and most will also have a maximum opening amount.

Minimum deposits can start from £500 and maximum deposits can go up to £2,000,000. The minimum and maximum deposit amount you need will depend on the account and you may find the most competitive rates require a larger deposit – though, this isn’t always the case.

Once you’ve made your initial deposit you can’t usually add to it.

Compare interest rates

Once you’ve decided how much money to invest and how long you can tie it up for, you can compare fixed rate bonds and interest rates to see which account makes the most sense for you.

The amount of interest you earn with each bond will be calculated as a yearly percentage or annual equivalent rate – AER – and you’ll then earn this amount of interest on your deposit for each year your money is in the account.

Earn interest

Your savings will earn a set interest rate each year during the fixed term, and the interest you earn can sometimes be paid either monthly or annually into your ‘nominated’ account, or it’ll be added to your savings.

If you have it paid into your savings account, you won’t be able to take that or your initial lump sum out of the account until the end of the fixed term.

An image showing the amount of money consumers have in savings

The amount of money consumers have in savings according to data collected by Mintel and Lightspeed, accurate as of October 2017.

Do you pay tax on a fixed rate bond?

Thanks to the introduction of the Personal Savings Allowance in 2016, basic rate taxpayers can earn £1,000 of savings interest a year without having to pay tax, while higher-rate taxpayers can earn £500 a year.

Additional rate taxpayers are not eligible for the Personal Savings Allowance.

If the interest you earn goes above these limits, any tax you owe will usually be collected via the Pay As You Earn (PAYE) system or via your self-assessment tax return.

Features of a fixed rate bond

Reasons why you might want to consider a fixed rate bond include:

  • Guaranteed interest rate: the interest rate you’re offered when you open the account stays the same for the duration of the bond, so you can work out how much interest you’ll earn overall
  • Higher interest rates than an easy access account: fixed rate bonds can offer higher interest rates than easy access savings accounts due to their lack of flexibility. Easy access accounts, on the other hand, allow you to access your money and pay in more money whenever you need to, but tend to offer lower rates which can change at any time
  • Higher interest rates for longer terms: if you can afford to leave your money untouched for longer, you will usually receive a higher interest rate
  • FSCS protection: a fixed rate bond is a savings account, which means the Financial Services Compensation Scheme (FSCS) will cover up to £85,000 of your deposit - in case the bank or building society goes out of business. The FSCS will also cover the interest you’ve earned up until that point – provided the total amount in the account is still under £85,000. You will need to check that your fixed rate bond provider features the FSCS logo to make sure your deposit is protected.

Things to keep in mind if you’re considering a fixed rate bond

A fixed rate bond might not be for everyone – possible limits to savers include:

  • No access to your savings for the fixed term: you won’t be able to take any money out of the savings account over the fixed term and you won’t be able to close the account early
  • No further deposits: you usually have 30 days from opening your account to deposit your funds and you won’t be able to add to it after that. This means fixed rate bonds are not suitable for regular savers – only those who have a lump sum to invest
  • Interest rates are edging up: as interest rates are slowly moving upwards, it may not be a good idea to lock into a long (four or five years) fixed rate bond in case the interest rate you’re tied into suddenly becomes uncompetitive.

An image showing the percentage of people that want to save more money and the percentage of people that find it hard to save the amount of money they want

Data taken from Consumers, Savings and Investments Report by Mintel, accurate as of January 2018.