Compare Best Fixed Rate Bonds

Best Fixed Rate Bonds - Compare the top performing fixed rate bonds and get a guaranteed return on your investment. Earn higher rates by locking your funds away for a fixed term and watch your savings grow.

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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.

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How long do you wish to save for:

Fixed rate for 1 year

Provider
Account
AER
Duration
Interest Paid
Min Bal
Apply
United National Bank 1 Year Fixed Rate Bond
3.45%
Fixed term for 1 year
Monthly/Annually
£2,000
Apply >
More Info
Lloyds TSB International 1 Year Bond
3.40%
Fixed term for 1 year
On Maturity
£10,000
Apply >
More Info
Post Office 1 Year Fixed Term Bond
3.27%
Fixed term for 1 year
Annually
£500
Apply >
More Info
Nationwide 1 Year Fixed Rate Bond
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
Apply >
More Info
Nationwide 1 Year Fixed Rate Bond
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
Apply >
More Info

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
Duration
Interest Paid
Min Bal
Apply
Post Office 2 Year Fixed Term Bond
3.63%
Fixed term for 2 years
Monthly/Annually
£500
Apply >
More Info
United National Bank 2 Year Fixed Rate Bond
3.50%
Fixed term for 2 years
Monthly/Annually
£2,000
Apply >
More Info
The Cambridge 2 Year Fixed Rate Bond
3.35%
Fixed term for 2 years
On Maturity
£1,000
Apply >
More Info

Fixed rate for 3 years

Provider
Account
AER
Duration
Interest Paid
Min Bal
Apply
Post Office 3 Year Fixed Term Bond
3.72%
Fixed term for 3 years
Monthly/Annually
£500
Apply >
More Info
Vanquis Bank 3 Year Fixed Rate Bond
3.61%
Fixed term for 3 years
Monthly/Annually
£1,000
Apply >
More Info
Scottish Widows 3 Year Fixed Rate Bond
3.50%
Fixed term for 3 Years
Annually
£10,000
Apply >
More Info

Fixed rate for 5 years

Provider
Account
AER
Duration
Interest Paid
Min Bal
Apply
Vanquis Bank 5 Year Fixed Rate Bond
4.26%
Fixed term for 5 years
Monthly/Annually
£1,000
Apply >
More Info
Scottish Widows 5 Year Fixed Rate Bond
4.10%
Fixed term for 5 years
Annually
£10,000
Apply >
More Info


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Best Fixed Rate Bonds

Fixed rate bonds - also known as Fixed term bonds, offer savers an alternative way of saving from your average instant access savings accounts. By fixing the interest rate and the term of the account, you can work out exactly how much interest you will earn, providing you with a regular predictable income.

The best fixed rate bonds are those that offer high rates, but everyone's needs are different, so it is important not to get drawn in by high rates on an account that doesn't suit you. For example, you may find that the best fixed rate bond offering the highest rates are subject to leaving your cash untouched for 2 years, with penalties for early withdrawals, and you actually require a 6 month term account.

This means that the best fixed rate bonds for you are not necessarily those that pay the most attractive rates, so before deciding which account to go for, carry out a realistic assessment of your financial situation. You may wish to keep some of your savings in a flexible savings account, as nobody can predict the future and what it may bring.
 

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