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 

Paragon Bank

Five Year Fixed Rate

Interest rate (AER)

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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

5 year bond

Account type

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Access Account
Great for
  • Online application and access
  • A choice between monthly or annual interest
  • FSCS protection up to £85,000 per depositor
But be aware that
  • Withdrawals are not permitted within the fixed term

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}} up to {{productCurrency}} no limit

Term

24 month bond

Account type

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Access Account
Great for
  • A Sharia compliant savings account
  • Quick and easy online application process
  • UK based ethical bank with full UK regulation. The bank operates under Islamic finance principles
But be aware that
  • Withdrawals are not permitted within the fixed term
Expected Profit Rate

This account is Sharia compliant as such the account pays an expected profit rate rather than an interest rate

Zenith Bank

3 Year Fixed Term Deposit

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

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Term

3 year bond

Account type

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Access Account
Great for
  • UK based bank with FSCS protection
  • A guaranteed rate of interest as stated for the full term of the product
  • Quick and easy online application process
But be aware that
  • Applications and deposits only taken online
  • Additional withdrawals are not permitted within the fixed term
Aldermore

1 Year Fixed Rate Account

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

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Access Account
Great for
  • A choice between monthly or annual interest
  • FSCS Protected up to £85,000
  • Quick and easy online account opening
But be aware that
  • Additional deposits, early account closure and withdrawals are not permitted within the fixed term
RCI Bank UK

Freedom Savings Account

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

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

Notice period

none

Account type

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Access Account
Great for
  • 1.06% Gross/AER variable (includes a fixed bonus of 0.66% for 12 months)
  • Opening and managing your account online
  • Opening an account with just £1
But be aware that
  • Rate includes a bonus, you may want to move your money at the end of this period
Virgin Money

Defined Access E-ISA 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}}{{1 | currency : '' : 0}} up to {{productCurrency}} no limit

Notice period

none

Account type

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Access Account
Great for
  • 1.01% Tax Free/AER if you make 3 or less withdrawals in a calendar year.
  • Start saving from £1 and pay money in as often as you like. Transfer in your existing ISA balances using our ISA Transfer Service.
  • Choose between monthly or annual interest.
But be aware that
  • 0.25% Tax Free/AER variable if you make 4 or more withdrawals in a calendar year.
  • Rate depends on the number of withdrawals.
Post Office Money

Online ISA - Easy Access Issue 10

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}} up 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
  • Online ISA is provided by OneFamily, savings in Post Office Money® Cash ISAs are deposited with Bank of Ireland UK
AA

AA 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}} up to {{productCurrency}} no limit

Notice period

none

Account type

{{::product.productAttributes.accountDetails.accountTypeId | mappingFilter : referenceDataMapping}} Transfer in
Access Account
Great for
  • Includes 12 month bonus
  • Apply and manage your account online 24/7
  • Transfer-in an ISA you hold elsewhere
But be aware that
  • The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK
  • No additional deposits or withdrawals during the fixed term. Partial ISA transfers out aren't available, transfers out in full only


See more cash ISA accounts

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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.