Fixed Rate Bond Alternatives

Fixed Rate Bond Alternatives

Compare Alternatives to Fixed Rate Savings

Fixed Rate Bond Alternatives

Deposit Plan Offer

Looking for a Capital Protected alternative to Cash?

Potential 28.75% after 4 years 

  • Potential 28.75% if the FTSE 100 rises by any amount after 3 years
  • Equivalent to 7.19% per year
  • 4 year term
  • Available as cash ISA, non ISA or ISA transfer
  • Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs
Our view: The 28.75% potential return is equivalent to 7.19% growth each year which is significantly more than the current leading longer term savings rates More Plan Details »
Savings & Investment Offers
Plan Name

MB UK 4Y 100 Growth Deposit Plan

Potential Return
28.75%
at end of term
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 6Y Annual Step Down to 80 Kick Out Deposit Plan Y3

Potential Return
5.51%
per annum
Term
Up to 6 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
5.75% pa
Term
Up to 6 years
ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income
4.29%
fixed income per year
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income
4.23%
fixed income per year, paid monthly
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y 90 Growth Deposit Plan

Potential Return
24%
at end of term
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Structured Deposit Plans

While interest rates remain low, returns on fixed rate bonds aren’t as high as they used to be, but there are capital protected alternatives and if you are looking to tie money away for 3 to 5 years plus, structured deposit plans may be worth considering. These plans have a fixed term and have a return linked to the performance of an underlying asset e.g. the FTSE 100.

Structured deposit plans are appropriate for people who have a low appetite for risk but are willing to accept a return on the deposit that involves some exposure to the stock market. While returns are not normally guaranteed, they do offer the potential for competitive rates of return when compare to fixed term bonds.

As structured deposit plans are cash based they are eligible for the Financial Services Compensation Scheme (FSCS) up to £85,000 per person per institution in the same way that savings accounts are.

One of the UK’s Top Instant Access Account Rates – 4.60% AER – Apply Online

Fixed Rate Bonds

Account
Hampshire Trust Bank 6 Month Fixed Rate Bond
Interest Rate
4.81%
Gross/AER
Term
6 Months
Minimum Deposit
£1

More info

Account
Aldermore Bank 9 Month Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
9 Months
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1

More info

Account
Investec 1-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000

More info

Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000

More info

Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
18 Months
Minimum Deposit
£1

More info

Account
Aldermore Bank 18 Month Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
2 Years
Minimum Deposit
£1

More info

Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000

More info

Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000

More info

Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.36%
Gross/AER
Term
3 Years
Minimum Deposit
£1

More info

Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.35%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.25%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 4 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
4 Years
Minimum Deposit
£1

More info

Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000

More info

Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 5 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
5 Years
Minimum Deposit
£1

More info

Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.15%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000

More info

Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 6 Month Fixed Rate Bond
Interest Rate
4.81%
Gross/AER
Term
6 Months
Minimum Deposit
£1

More info

Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1

More info

Account
Investec 1-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000

More info

Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000

More info

Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 9 Month Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
9 Months
Minimum Deposit
£1,000

More info

Account
NatWest 1 Year Fixed Term Savings Account
Interest Rate
4.00% AER
(3.93% Gross p.a.)
Term
1 Year
Minimum Deposit
£1

More info

Terms and Conditions: NatWest’s Fixed Term Savings Rates are 4.00% AER/(3.93% Gross p.a.) fixed for 1 year and 3.80% AER/(3.74% Gross p.a.) fixed for 2 years. Offer available until 5pm on 22nd January 2025 for new customers and 27th January 2025 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest paid monthly and on maturity.  This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £5,000,000.00. You can make additional payments or withdrawals from your account until 3:30pm on 14th February 2025. After this date partial withdrawals are not allowed. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving 35 days’ written notice to your branch. Early Closure Charge may apply. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. Interest will automatically be paid into your Fixed Term Savings Account. You can choose to have interest paid into another Nominated Account. This must be a NatWest personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account. If interest is paid into your Nominated Account, you can access it the following day. You must be 16 or over and a UK resident. FSCS protected
Account
Royal Bank of Scotland 1 Year Fixed Term Savings Account
Interest Rate
4.00% AER
(3.93% Gross p.a.)
Term
1 Year
Minimum Deposit
£1

More info

Terms and Conditions: Royal Bank of Scotland’s Fixed Term Savings Rates are 4.00% AER/(3.93% Gross p.a.) fixed for 1 year and 3.80% AER/(3.74% Gross p.a.) fixed for 2 years. Offer available until 5pm on 22nd January 2025 for new customers and 27th January 2025 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest paid monthly and on maturity.  This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £5,000,000.00. You can make additional payments or withdrawals from your account until 3:30pm on 14th February 2025. After this date partial withdrawals are not allowed. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving 35 days’ written notice to your branch. Early Closure Charge may apply. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. Interest will automatically be paid into your Fixed Term Savings Account. You can choose to have interest paid into another Nominated Account. This must be a Royal Bank of Scotland personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account. If interest is paid into your Nominated Account, you can access it the following day. You must be 16 or over and a UK resident. FSCS protected
Account
Nationwide 1 Year Triple Access Online Saver
Interest Rate
Up to 4.00%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1

More info

Account
Freetrade UK Treasury Bills
Interest Rate
5% +
annualised yield
Term
1 Month Rolling
Minimum Investment
£50

More info

Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
18 Months
Minimum Deposit
£1

More info

Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
2 Years
Minimum Deposit
£1

More info

Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000

More info

Account
Aldermore Bank 18 Month Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000

More info

Account
NatWest 2 Year Fixed Term Savings Account
Interest Rate
3.80% AER
(3.74% Gross p.a.)
Term
2 Years
Minimum Deposit
£1

More info

Terms and Conditions: NatWest’s Fixed Term Savings Rates are 4.00% AER/(3.93% Gross p.a.) fixed for 1 year and 3.80% AER/(3.74% Gross p.a.) fixed for 2 years. Offer available until 5pm on 22nd January 2025 for new customers and 27th January 2025 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest paid monthly and on maturity.  This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £5,000,000.00. You can make additional payments or withdrawals from your account until 3:30pm on 14th February 2025. After this date partial withdrawals are not allowed. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving 35 days’ written notice to your branch. Early Closure Charge may apply. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. Interest will automatically be paid into your Fixed Term Savings Account. You can choose to have interest paid into another Nominated Account. This must be a NatWest personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account. If interest is paid into your Nominated Account, you can access it the following day. You must be 16 or over and a UK resident. FSCS protected
Account
Royal Bank of Scotland 2 Year Fixed Term Savings Account
Interest Rate
3.80% AER
(3.74% Gross p.a.)
Term
2 Years
Minimum Deposit
£1

More info

Terms and Conditions: Royal Bank of Scotland’s Fixed Term Savings Rates are 4.00% AER/(3.93% Gross p.a.) fixed for 1 year and 3.80% AER/(3.74% Gross p.a.) fixed for 2 years. Offer available until 5pm on 22nd January 2025 for new customers and 27th January 2025 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest paid monthly and on maturity.  This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £5,000,000.00. You can make additional payments or withdrawals from your account until 3:30pm on 14th February. After this date partial withdrawals are not allowed. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving 35 days’ written notice to your branch. Early Closure Charge may apply. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. Interest will automatically be paid into your Fixed Term Savings Account. You can choose to have interest paid into another Nominated Account. This must be a Royal Bank of Scotland personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account. If interest is paid into your Nominated Account, you can access it the following day. You must be 16 or over and a UK resident. FSCS protected
Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000

More info

Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.36%
Gross/AER
Term
3 Years
Minimum Deposit
£1

More info

Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.35%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.25%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
ICICI Bank 3 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Hampshire Trust Bank 4 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
4 Years
Minimum Deposit
£1

More info

Account
Hampshire Trust Bank 5 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
5 Years
Minimum Deposit
£1

More info

Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.15%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000

More info

Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000

More info

Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000

More info

Account
ICICI Bank 5 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000

More info

Plan Name

MB UK 4Y 100 Growth Deposit Plan

Potential Return
28.75%
at end of term
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 6Y Annual Step Down to 80 Kick Out Deposit Plan Y3

Potential Return
5.51%
per annum
Term
Up to 6 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
5.75% pa
Term
Up to 6 years
ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income
4.29%
fixed income per year
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income
4.23%
fixed income per year, paid monthly
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y 90 Growth Deposit Plan

Potential Return
24%
at end of term
Term
4 years
ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Important Risk Information: This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. Different types of investment carry different levels of risk and may not be suitable for all investors. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice. * Details of how the Financial Services Compensation Scheme applies to investment firms can be found at fscs.org.uk.