Compare Best Fixed Rate Bond

Best Fixed Rate Bonds - Get a guaranteed high return on your savings by depositing into a fixed rate bond. Compare the best fixed rate bonds using our Top 5 accounts table and Apply today.

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Editors Choice - ING Direct Savings Account - 3.10% AER

New customers only. 3.10% AER variable on balances up to £250,000 plus resulting interest. Open an account online in as little as 10 minutes. Conditions apply.

How long do you wish to save for:

Fixed rate for 1 year

Provider
Account
AER
Interest Paid
Min Bal
Apply
3.45%
Fixed term for 1 year
Monthly/Annually
£2,000
3.40%
Fixed term for 1 year
On Maturity
£10,000
3.27%
Fixed term for 1 year
Annually
£500
You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
2.70%
Fixed term for 1 year
On Maturity
£50,000
You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
2.45%
Fixed term for 1 year
On Maturity
£1

Scottish Widows 5 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 5 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.10%AER over a period of five years. The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
  • Minimum deposit £10,000
  • Deposit Term - 5 years
  • Fixed 4.10% annual gross
  • No partial withdrawals permitted during deposit term.
  • *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Lloyds TSB International 1 Year Bond

Lloyds TSB
  • Save for 1 year
  • Fixed interest rates of 3.40% AER/Gross*.
  • Save from £10,000 up to £5,000,000
  • No withdrawals are allowed.
  • Rate is fixed for the term of the deposit.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Post Office 1 Year Fixed Term Bond

Post Office
  • Great fixed rate for 1 year fixed term
  • Annual Interest Option = 3.27% gross/AER fixed
  • Monthly Interest Option = 3.22% gross/3.27% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • £1 - £9,999 = 2.45%
  • £10,000 - £24,999 = 2.50%
  • £25,000 - £49,999 = 2.60%
  • £50,000+ = 2.70%
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • Deposit £50,000+ = 2.70% AER fixed for 1 year
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance must not exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Post Office 3 Year Fixed Term Bond

Post Office
  • Great fixed rate for 3 year fixed term
  • Annual Interest Option = 3.72% gross/AER fixed
  • Monthly Interest Option = 3.65% gross/3.72% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Post Office 2 Year Fixed Term Bond

Post Office
  • Great fixed rate for 2 year fixed term
  • Annual Interest Option = 3.63% gross/AER fixed
  • Monthly Interest Option = 3.57% gross/3.63% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Vanquis Bank 3 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for THREE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 5 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for FIVE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Scottish Widows 3 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 3 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 3.50% AER over a period of three years.
  • The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
  • Fixed annual rate 3.50% Gross
  • Minimum deposit £10,000
  • Deposit Term - 3 years
  • No partial withdrawals permitted during deposit term.
  • *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

United National Bank 1 Year Fixed Rate Bond

United National Bank
  • Guaranteed rate of interest for full term of product
  • Minimum deposit of £2,000
  • Interest payable monthly or on maturity
  • Penalty for early withdrawal
  • Available as sole or joint accounts
  • Must be UK resident and 18 years of age or older
  • Must have an account with an existing UK bank
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

United National Bank 2 Year Fixed Rate Bond

United National Bank
  • Guaranteed rate of interest for full term of product
  • Minimum deposit of £2,000
  • Interest payable:
  • monthly (3.45% Gross)
  • yearly (3.50% Gross)
  • maturity (3.56% Gross)
  • Penalty for early withdrawal
  • Available as sole or joint accounts
  • Up to £85,000 per depositor is protected by FSCS
  • Must be UK resident and 18 years of age or older
  • Must have an account with an existing UK bank
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

The Cambridge 2 Year Fixed Rate Bond

  • Exclusively available to open online
  • Allows you to invest your savings for a fixed term at an interest rate that won't change
  • You need a minimum of £1,000 to open your account
  • Online account management
  • You can add to the balance of your account whilst The Cambridge 3 Year e-Bond Issue 5 remains open to new savers
  • Withdrawals are not permitted during the fixed rate term
  • The Cambridge 3 Year e-Bond Issue 5 will mature on 27th May 2015
  • Interest is calculated daily and paid annually on 31st December or monthly on the last day of the month
  • This is a limited issue - the bond will be withdrawn when fully subscribed
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Fixed rate for 2 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
3.63%
Fixed term for 2 years
Monthly/Annually
£500
3.50%
Fixed term for 2 years
Monthly/Annually
£2,000
3.35%
Fixed term for 2 years
On Maturity
£1,000

Fixed rate for 3 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
3.72%
Fixed term for 3 years
Monthly/Annually
£500
3.61%
Fixed term for 3 years
Monthly/Annually
£1,000
3.50%
Fixed term for 3 Years
Annually
£10,000

Fixed rate for 5 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
4.26%
Fixed term for 5 years
Monthly/Annually
£1,000
4.10%
Fixed term for 5 years
Annually
£10,000


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Best Fixed Rate Bond

There are many choices when it comes to deciding where to put your savings, with a number of factors involved. Fixed term bonds can be a very profitable method of saving, with customers rewarded for limited or no withdrawals through high fixed rates paid on balances.

It is important that you make the right choice when choosing your term, allowing you to find the best fixed rate bond to suit your needs. Don't be sucked in by long term accounts offering higher rates if you can't realistically afford to lock your cash away for that amount of time, as withdrawing early often leads to penalties which defeats the object of opening fixed bonds in the first place.

At Which4U, we compare a number of reputable providers, clearly showing all of the benefits, terms, and rates, side by side, making it easy for you to pick out the best fixed rate bonds to accommodate your financial requirements.

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