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Banking & Saving Fixed Rate Bonds

Compare Fixed Term Bonds

FIXED TERM BONDS - Use our Top 5 Bonds table to see the latest deals offering the highest rates. Simply choose a term that suits you and Apply online today.

Fixed Term Bonds

Fixed Term Bonds – also known as Fixed Rate Bonds, are savings accounts that are designed for the more serious saver, allowing your to lock your cash away for a period of time ranging between 6 months and 5 years. Each term tends to come with its own unique interest rate to reflect the risks involved while still making the account attractive to savers.

Fixed term bonds also fix the interest rate paid on your balance for the chosen term. This means that with a fixed term bond, your rate won't be affected by changes to the bank rate during the term.

If rates are set to fall, or remain low, it can be very beneficial to fix the rate. This is because as the Bank of England drops its rates, banks and building societies follow suit, so you won't earn as much interest. By fixing the rate you will continue to earn a higher rate than those offered to new or variable rate customers.

However, this can also work against you, as rates could also increase during your chosen term, which would mean that you are earning at a rate that is under the odds.
Provider Account AER Duration Interest Paid Min Bal Apply
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You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
4.75%
Fixed term for 5 years
On Maturity
£1
4.50%
Fixed term for 3 years
On Maturity
£500
You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
4.40%
Fixed term for 3 years
On Maturity
£1
4%
Fixed term for 2 years
On Maturity
£500
4%
Fixed term for 3 years
On Maturity
£500
  • Account gives you a great rate of 4.50% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Account gives you a great rate of 4.00% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • 3.75% gross/AER* on balances of £25k+
  • Matures 1st February 2012
  • Get a great fixed rate for the next two years
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Invest £1 to £9,999 and receive 3.00% gross/AER
  • Invest £10,000 to £24,999 and receive 3.50% gross/AER
  • Invest £25,000 up to £2,000,000 and receive 3.75% gross/AER
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • This is a limited offer and subject to availability. Apply today as this product can be withdrawn at any time
  • * gross/AER based on funds invested on 1st February 2010
  • Matures 1st February 2012
  • Get a great fixed rate for the next two years
  • Save from £10,000 up to £25,000 and receive 3.25% gross/AER fixed
  • Available to new and existing Santander customers
  • Invest £1 to £9,999 and receive 3.00% gross/AER
  • Invest £10,000 to £24,999 and receive 3.50% gross/AER
  • Invest £25,000 up to £2,000,000 and receive 3.75% gross/AER
  • You can't add to your bond once it's open so put in as much as you can at the start
  • Accessing your money during the term can only be done by closing the account, which is subject to 120 days loss of net interest
  • gross/AER based on funds invested on 1st February 2010.
  • Account gives you a great rate of 2.00% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Account gives you a great rate of 1.50% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Matures 1st August 2011
  • 3.25% gross/AER* on balances of £25k+
  • Get a great fixed rate on your savings for one year
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Invest £1 to £9,999 and receive 2.75% gross/AER
  • Invest £10,000 to £24,999 and receive 3.00% gross/AER
  • Invest £25,000 up to £2,000,000 and receive 3.25% gross/AER
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • This is a limited offer and subject to availability. Apply today as this product can be withdrawn at any time
  • * gross/AER based on funds invested on 1st February 2010
  • Matures 1st February 2011
  • Save £1 to £9,999 and receive 2.50% gross/AER fixed
  • Save £10,000 up to £2,000,000 and receive 2.75% gross/AER fixed
  • Get a great fixed rate on your savings for one year
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • Accessing your money during the term can only be done by closing the account, which is subject to 120 days loss of interest
  • *gross/AER based on funds deposited by 1st February 2010.
  • Get higher savings rate the more you deposit
  • Deposit £1 - £24,999 = 2.75% 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 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
  • Get higher savings rate the more you deposit
  • 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
  • Get higher savings rate the more you deposit
  • 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
  • Get higher savings rate the more you deposit
  • 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
  • Matures 1st February 2011
  • Save £1 to £9,999 and receive 2.50% gross/AER fixed
  • Save £10,000 up to £2,000,000 and receive 2.75% gross/AER fixed
  • Get a great fixed rate on your savings for one year
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • Accessing your money during the term can only be done by closing the account, which is subject to 120 days loss of interest
  • *gross/AER based on funds deposited by 1st February 2010.
  • Save for 2 years,
  • Fixed interest rates of 3.90% AER/Gross*.
  • View eBond interest rates.
  • Choose when your interest is paid - monthly to supplement your income or yearly as a lump sum - it's up to you.
  • Nominate where your Interest is paid – this can be a current account or an eligible savings account (excluding Monthly Saver, Term Deposits, Child Trust Fund, and ISA products.)
  • Save from £2,000 up to £1,000,000
  • No withdrawals are allowed.
  • You can make additional deposits to the product whilst the issue is on sale. This is a limited issue product however so once the issue is full no further deposits can be made.
  • Rate is fixed for the term of the deposit.
  • Manage your account through a dedicated eBond Savings Team. The account cannot be serviced through PhoneBank, branches or Internet Banking.
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Get higher savings rate the more you deposit
  • Deposit £1 - £24,999 = 3.20% AER fixed for 18 months
  • 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


Latest Fixed Rate Bond News RSS Feed

New fixed rate bond range 'could be ideal option'
Details of a new line of fixed rate bonds have been revealed by Santander. Savers looking for a guaranteed return on their investment may be interested in the launch of a new set of ...
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Wed 6th Jan, 2010
Fixed rate bonds 'offer competitive returns'
A fixed rate bond could prove to be an effective means for consumers to save money, according to one writer. Those Britons looking to compare accounts in order to find the savings ...
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Tue 15th Dec, 2009
New fixed bond launched by Santander
Santander has unveiled a new fixed rate bond offering interest of up to four per cent. Details of a new fixed bond product have been unveiled by Santander.Launched yesterday (October ...
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Fri 23rd Oct, 2009
Barclays launches new fixed rate bonds
Savers now have the opportunity to take out a new range of fixed rate bonds from Barclays, including a five-year deal with a 5.25 per cent rate of return. Details of a new range of ...
Read More >
Mon 21st Sep, 2009
Fixed rate bonds and saving market 'recovering from recession'
UK savers were badly hit in the worst of the recession, as base rates continued to fall to their lowest level in history – 0.5%, the rate at which they still remain, marking the sixth ...
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Wed 16th Sep, 2009
Nationwide increases fixed rate bond interest
The rate of interest attached to the one-year Nationwide Fixed Rate Bond has gone up. Nationwide has increased the amount of interest offered on its one-year fixed bond.Moves by the ...
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Wed 9th Sep, 2009
New fixed rate bonds from Abbey and A&L
A new range of fixed rate bonds for businesses have been launched today (September 3rd). A new one-year fixed bond has been released, it has emerged.On offer from Abbey ...
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Thu 3rd Sep, 2009