Compare guaranteed equity bonds

Guaranteed equity bonds

Guaranteed Equity Bonds allow savers to potentially benefit from stock market growth without risking their initial deposit. They are more complicated than standard savings products so we would suggest that you only invest once you understand how they work.

Sorry, we don't have any guaranteed equity bonds available at the moment. Why not check out some of our other deals below.

 

Fixed rate bond accounts - Ordered by interest rate


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Easy Access Accounts - Ordered by interest rate

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

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Min/max opening amount

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Notice period

none

Account type

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Access Account
Great for
  • Opening an account online with a low minimum opening balance of just £1
  • Managing your savings online 24/7 & making unlimited withdrawals with no charges, penalties or notice periods
  • A choice of annual or monthly interest – Annually paid in March or monthly on the first business day of each month
But be aware that
  • After 12 months the rate will revert to the underlying rate, currently 0.25% gross/AER
  • Online Saver is provided by Bank of Ireland UK

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

Notice period

none

Account type

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Access Account
Great for
  • Unlimited payments and withdrawals with no penalties
  • 7 day service and 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


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Cash ISA Accounts - Ordered by interest rate

Post Office Money Post Office Money

Online ISA - Easy Access Issue 11

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}}{{100 | currency : '' : 0}} to {{productCurrency}} no limit

Notice period

none

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Access Account
Great for
  • Full online application and access
  • The ability to split your cash ISA savings across variable and fixed rate products in one place
But be aware that
  • Interest is calculated daily and paid annually in March. After 12 months the rate will revert to the underlying rate, currently 0.25% tax free/AER variable
  • If you opt to fix your savings withdrawal restrictions will apply
Exclusive

You can't apply for this product via any other comparison site

AA AA

AA ISA - Easy Access Issue 13

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}}{{100 | currency : '' : 0}} to {{productCurrency}} no limit

Notice period

none

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Access Account
Great for
  • Apply and manage your account online 24/7
  • Transfer-in an ISA you hold elsewhere
But be aware that
  • Rate includes a bonus, you may want to move your money at the end of this period
  • Partial ISA transfers out aren't available, transfers out in full only
  • The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK

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}} no limit

Notice period

none

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Access Account
Great for
  • Transferring existing ISA balances
  • Make multiple deposits up to the £20,000 annual allowance - or the full amount in one transaction
  • For new and existing customers
But be aware that
  • Lower rate of 0.50% AER for balances that fall below £500
  • Once fully funded any withdrawals cannot be replaced
  • Interest paid annually. You must be aged 18 or over and a UK resident.


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Guide to Guaranteed Equity Bonds

What is a guaranteed equity bond?

A guaranteed equity bond is a way for savers to gain exposure to possible gains in the stock market without risking their initial deposit.

A typical bond may be linked to a stock market index such as the FTSE 100 index. If the index rises over the term of the bond, savers will benefit – but not necessarily by the full amount the index has risen.

The bond’s value at maturity is likely to be dependent on a complicated formula, based perhaps on the index’s level at the start, and its average value over the final year of the bond.

On the other hand, if the index the bond is linked to falls in value over the term, savers may simply get back the capital they invested at the start.

What are the advantages?

A guaranteed equity bond can be a way of investing in the stock market without taking the risk that all the original capital could be lost. Some offer total capital protection so even if the market falls you will get your original investment back at the end of the term. Others offer more limited protection so this is worth checking when comparing products.

When interest rates on normal savings accounts are low, guaranteed equity bonds can appear more attractive as their potential returns are higher.

What are the disadvantages?

Guaranteed equity bonds are usually very complicated, and the formulas used to work out gains can be hard to understand and compare.

The capital protection comes at a price, so savers will not get the full benefit of any increase in the underlying index.

Savers are unlikely to benefit from dividends paid to normal shareholders, although this is also the case for those who invest in a fund which simply tracks a certain index.

And even if all the original capital is guaranteed, its value may have been eroded by inflation.

Who do they suit?

Guaranteed equity bonds can be a way of investing in stock markets with less risk. But these products can be very complicated, and you should only put money in if you understand clearly how any gains are calculated and what losses you could face.