Halifax Fixed Rate Bonds

Savings Offer – 1 Year Fixed Rate

1 Year Fixed Rate

Earn 4.50% AER Fixed Interest

  • Provider – Investec Bank
  • Minimum deposit – £5,000
  • Interest paid at maturity 
  • Fixed rate for 1 year
Apply now for Investec Bank’s 1 Year Fixed Rate »
Savings & Investment Offers
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 1 Year Fixed Rate Bond
Interest Rate
4.40%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 6 Month Business Fixed Rate Bond
Interest Rate
3.57%
Gross/AER
Term
6 Months
Minimum Deposit
£1,000

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Account
Aldermore Bank 9 Month Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
9 Months
Minimum Deposit
£1,000

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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
4.40%
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

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Account
Nationwide 1 Year Fixed Rate Online Bond
Interest Rate
4.00%
Gross/AER
Term
1 Year
Minimum Deposit
£1

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

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

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

More info

Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.30%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000

More info

Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.41%
Gross/AER
Term
3 Years
Minimum Deposit
£1

More info

Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

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Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000

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

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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
4.20%
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
Aldermore Bank 9 Month Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
9 Months
Minimum Deposit
£1,000

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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
4.40%
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
Nationwide 1 Year Fixed Rate Online Bond
Interest Rate
4.00%
Gross/AER
Term
1 Year
Minimum Deposit
£1

More info

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

More info

Terms and Conditions: NatWest’s best Fixed Term Savings Rates are 3.80% AER/(3.74% 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 11th December 2024 for new customers and 16th December 2024 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 3rd January 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
3.80%
AER (3.74% Gross p.a.)
Term
1 Year
Minimum Deposit
£1

More info

Terms and Conditions: Royal Bank of Scotland’s best Fixed Term Savings Rates are 3.80% AER/(3.74% Gross p.a.) fixed for 1 year and 3.40% AER/(3.35% Gross p.a.) fixed for 2 years. Offer available until 5pm on 11th December 2024 for new customers and 16th December 2024 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 3rd January 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 4.10%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1

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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
4.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000

More info

Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.30%
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 best Fixed Term Savings Rates are 3.80% AER/(3.74% 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 11th December 2024 for new customers and 16th December 2024 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 3rd January 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
3.40%
AER (3.35% Gross p.a.)
Term
2 Years
Minimum Deposit
£1

More info

Terms and Conditions: Royal Bank of Scotland’s best Fixed Term Savings Rates are 3.80% AER/(3.74% Gross p.a.) fixed for 1 year and 3.40% AER/(3.35% Gross p.a.) fixed for 2 years. Offer available until 5pm on 11th December 2024 for new customers and 16th December 2024 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 3rd January 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
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.41%
Gross/AER
Term
3 Years
Minimum Deposit
£1

More info

Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000

More info

Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000

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

More info

Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
5 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

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
6% 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
4.04%
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
4.02%
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 3Y 90 Growth Deposit Plan

Potential Return
15.5%
at end of term
Term
3 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

IDAD Goldman Sachs Callable Growth Deposit Plan

Potential Return
8% pa
or 3 x Index growth (capped at a maximum return of 48%)
Term
Maximum 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.

Halifax Fixed Rate Bonds Review

Benefits of fixed rate bonds include:

  • Competitive interest rates in return for keeping your cash locked away
  • A variety of terms to choose from
  • Online access offered by most providers

Fixed rate bonds are a way you can lock away some of your savings into an account that will accumulate interest. Halifax currently offers a fixed term fixed rate bond.

Fixed Saver key facts:

  • Available for 1 or 3 year terms
  • Interest paid monthly. Interest will be paid net of your income tax unless you register your account to receive gross interest
  • Opening balance must be £500 or more
  • Must be aged 16 years or over
  • At the end of the fixed term your account will automatically transfer to an Instant Saver account

As the Halifax Fixed Rate Saver is fixed term bond no withdrawals are allowed once you create the account.



Early closure is permitted but if you do close your account early you will lose an amount equivalent to: 1 year term – 90 days’ gross interest or 3 year term – 270 days’ gross interest. Meaning you may get back less than you opened the account with. No additional deposits are allowed either.

Before you choose the deal for you, compare fixed rate bonds side by side in our table. Compare Halifax fixed rate bonds with other deals in the market – make sure that when you lock your money away for a fixed period you are comfortable with not having access for the term duration.

Generally speaking the longer you are prepared to lock your money away in a fixed rate bond the better the level of interest paid. As with all savings accounts you should compare deals from a range of providers before committing to one.

As well as fixed rate bonds there are a number of alternative saving options which you should consider such as structured deposit plans – a selection of plans are available on this site.

Capital Protected Deposit Plan

Potential 28.7% after 4 years 

Return paid if the FTSE 100 rises by any amount after 4 years

  • Equivalent to 7.175% per year
  • 4 year term
  • Original capital back no matter how well the FTSE 100 Index performs
  • Available as cash ISA, non ISA or ISA transfer
More Plan Details »