HSBC Fixed Rate Bonds

Compare Market Leading UK Rates

Account
Hampshire Trust Bank 6 Month Fixed Rate Bond
Interest Rate
4.81%
Gross/AER
Term
6 Months
Minimum Deposit
£1
Account
Aldermore Bank 9 Month Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
9 Months
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Investec 1-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
18 Months
Minimum Deposit
£1
Account
Aldermore Bank 18 Month Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.36%
Gross/AER
Term
3 Years
Minimum Deposit
£1
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.35%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.25%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 4 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
4 Years
Minimum Deposit
£1
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 5 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
5 Years
Minimum Deposit
£1
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.15%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 6 Month Fixed Rate Bond
Interest Rate
4.81%
Gross/AER
Term
6 Months
Minimum Deposit
£1
Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Investec 1-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Aldermore Bank 9 Month Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
9 Months
Minimum Deposit
£1,000
Account
NatWest 1 Year Fixed Term Savings Account
Interest Rate
4.00% AER
(3.93% Gross p.a.)
Term
1 Year
Minimum Deposit
£1
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
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
Account
Freetrade UK Treasury Bills
Interest Rate
5% +
annualised yield
Term
1 Month Rolling
Minimum Investment
£50
Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
18 Months
Minimum Deposit
£1
Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.50%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 18 Month Fixed Rate Bond
Interest Rate
4.30%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
NatWest 2 Year Fixed Term Savings Account
Interest Rate
3.80% AER
(3.74% Gross p.a.)
Term
2 Years
Minimum Deposit
£1
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
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
Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.36%
Gross/AER
Term
3 Years
Minimum Deposit
£1
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.35%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.25%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
ICICI Bank 3 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 4 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
4 Years
Minimum Deposit
£1
Account
Hampshire Trust Bank 5 Year Fixed Rate Bond
Interest Rate
4.27%
Gross/AER
Term
5 Years
Minimum Deposit
£1
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.15%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
4.20%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
3.80%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
ICICI Bank 5 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Plan Name

MB UK 4Y 100 Growth Deposit Plan

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

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

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

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

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

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

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.

HSBC Fixed Rate Bonds

HSBC fixed rate bonds offer a guaranteed rate of interest on your savings so you know what return you will receive while you save for a set period of time. HSBC fixed rate bonds may offer different terms, and different rates, which may increase for larger deposits and longer terms. Minimum deposits may apply.

Choose HSBC fixed rate bonds and you could get:

  • A choice of fixed terms – 3 or 6 months, or 1, 2, or 3 years
  • Interest paid monthly or annually
  • The option to open more than one bond
  • Guaranteed returns on your investments

Our View:

As with most high street banks currently , the rates offered to savers on a fixed term basis are not market leading.

As with all fixed rate bonds, early closure will normally be subject to a fee, such as an interest charge, so it is best to ensure you will not need access to funds in a HSBC fixed rate bond before depositing your savings.

See the table above to compare latest fixed rates and alternative cash plans.

How Do HSBC Fixed Rate Bonds Compare?

6 Month term

Currently HSBC offer for balances for £2,000 or more a rate of 0.55% AER

1 Year term

Currently HSBC offer for balances for £2,000 or more a rate of 0.70% AER

2 Year term

Currently HSBC offer for balances for £2,000 or more a rate of 0.80% AER

3 Year term

Currently HSBC offer for balances for £2,000 or more a rate of 0.85% AER

Interest is calculated daily and credited either monthly, annually or at the term end.

As at 5th September 2019

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 »