Halifax Fixed Rate Bonds

Savings Offer – 1 Year Fixed Rate

1 Year Fixed Rate

Earn 4.60% AER Fixed Interest

Provider – Hampshire Trust Bank
Minimum deposit – £1
Interest paid at maturity
Fixed rate for 1 year

Apply now for Hampshire Trust Bank’s 1 Year Fixed Rate »

Account

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 6 Month Business Fixed Rate Bond

Interest Rate

3.60%
Gross/AER

Term

6 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Deposit between £1,000 and £1,000,000
No fees or charges for day to day services
14 Day cooling off period – if you change your mind within 14 days of funding your new business savings account, your savings will be refunded

Minimum balance at all times – £1,000
An interest rate of 0.05% AER is payable on balances below £1,000
No additional deposits or withdrawals

Account

Hampshire Trust Bank 6 Month Fixed Rate Bond

Interest Rate

4.81%
Gross/AER

Term

6 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid on maturity
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 9 Month Fixed Rate Bond

Interest Rate

4.10%
Gross/AER

Term

9 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 1 Year Fixed Rate Bond

Interest Rate

4.60%
Gross/AER

Term

1 Year

Minimum Deposit

£1

More info

More Information About This Account

Interest paid on maturity
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Investec 1-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid on maturity
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Hampshire Trust Bank 18 Month Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

18 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 18 Month Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

18 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 2 Year Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 2 Year Fixed Rate Bond

Interest Rate

4.50%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

4.40%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 2-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Investec 3-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 3 Year Fixed Rate Bond

Interest Rate

4.36%
Gross/AER

Term

3 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 3 Year Fixed Rate Bond

Interest Rate

4.35%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

4.25%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 4 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

4 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 4 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Hampshire Trust Bank 5 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

4.15%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 5 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Hampshire Trust Bank 6 Month Fixed Rate Bond

Interest Rate

4.81%
Gross/AER

Term

6 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid on maturity
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 1 Year Fixed Rate Bond

Interest Rate

4.60%
Gross/AER

Term

1 Year

Minimum Deposit

£1

More info

More Information About This Account

Interest paid on maturity
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Investec 1-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid on maturity
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 9 Month Fixed Rate Bond

Interest Rate

4.10%
Gross/AER

Term

9 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

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

More Information About This Account

Make up to three withdrawals during the 12-month term of this account
Open with £1
Manage your account online
Interest paid at maturity
FSCS Protected

Must be UK resident and aged 16 or older
Make more than three withdrawals and the rate drops to 1.75% AER/gross p.a. (variable)
Not available in branch

Account

Freetrade UK Treasury Bills

Interest Rate

5% +
annualised yield

Term

1 Month Rolling

Minimum Investment

£50

More info

More Information About This Account

Treasury bills, issued and backed by the UK government
Yield is set during the weekly auction process and it is then fixed for the 1 month period
Automatic reinvestments: Freetrade will automatically reinvest your UK Treasury bills at maturity to keep your earnings going. You can choose to turn this feature off, or you can reinvest a partial amount at any point after purchase
UK Treasury bills are considered low risk because they’re issued by the UK’s Debt Management Office with the backing of the UK Government. The UK government has a AA credit rating from Standard & Poor’s, indicating a very strong capacity to repay debts
‍FSCS Protection: You are protected up to £85,000 for unpaid claims against Freetrade in the unlikely event of Freetrade’s insolvency

You cannot sell or cash out of a UK treasury bill before its 1 month maturity
Rate is indicative of what you might get, based on the annualised yield to maturity. This forecast is not a reliable indicator of future performance. The rate changes at every weekly tender
Capital at risk

Account

Hampshire Trust Bank 18 Month Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

18 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 2 Year Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 2 Year Fixed Rate Bond

Interest Rate

4.50%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

4.40%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 2-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 18 Month Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

18 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

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

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

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 3 Year Fixed Rate Bond

Interest Rate

4.36%
Gross/AER

Term

3 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 3 Year Fixed Rate Bond

Interest Rate

4.35%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

4.25%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

ICICI Bank 3 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product
Interest paid on maturity
Maximum deposit £85,000
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 4 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

4 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 5 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

4.15%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 4 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

RCI Bank 5 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

ICICI Bank 5 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product
Interest paid on maturity
Maximum deposit £85,000
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

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.

More information on this product

28.75% fixed return if the FTSE 100 Index ends the same or higher than its Initial Level
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 8 January 2025
Deadline for Direct & ISA applications – 27 January 2025

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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

More information on this product

5.51% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 105% to to 80% over the term
Potential to mature early, from year 3 onwards
Capital protected
Maximum 6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 10 January 2025
Deadline for Direct & ISA applications – 29 January 2025

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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

More information on this product

5.75% for each year (not compounded) provided the FTSE 100 finishes above required kick out level
Required kick out level reduces from 100% to to 95% over the term
Potential to mature early, from year 4 onwards
Maximum 6 year term
Medium/long term alternative to fixed rates
Covered by the FSCS (Financial Services Compensation Scheme)
Available for Cash ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 29 January 2025
Deadline for Direct & ISA applications – 14 February 2025

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000, or £5,000 if applying online
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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

More information on this product

4.29% income per annum, paid regardless of the performance of the FTSE 100
Annual payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 10 January 2025
Deadline for Direct & ISA applications – 29 January 2025

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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

More information on this product

0.3525% income per month (equivalent to 4.23% pa), paid regardless of the performance of the FTSE 100
Monthly payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 10 January 2025
Deadline for Direct & ISA applications – 29 January 2025

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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

More information on this product

24% fixed return if the FTSE 100 Index ends the same or higher than 90% of Starting Level
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 8 January 2025
Deadline for Direct & ISA applications – 27 January 2025

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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.

Savings News

2nd
Oct

Halifax Fixed Rate Bonds

Savings Offer – 1 Year Fixed Rate

1 Year Fixed Rate

Earn 4.60% AER Fixed Interest

Savings & Investment Offers

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

Deposit Taker: Goldman Sachs International Bank

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

Halifax Fixed Rate Bonds Review

Benefits of fixed rate bonds include:

Fixed Saver key facts:

Capital Protected Deposit Plan

Potential 28.7% after 4 years

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

Best 1 Year Fixed Rate Bonds

2024 Starling Bank Account Review (+Pros & Cons)

NatWest Student Account – Get £100

Fixed Rate Bond Provider Links