Fixed rate accounts Compare our fixed rate personal savings accounts. At the moment, the highest-paying fixed-rate bonds from other providers are paying about 1.30% for one year to 1.5%-1.6% for five years. Fixed rate bonds in the UK have varying minimum and maximum deposits. Limited and part of the Which? The Access Bank UK Limited Base Rate is in line with the Bank of England Base Rate. The FSCS will also cover the interest you’ve earned up until that point – provided the total amount in the account is still under £85,000. With a fix, you get guaranteed returns for a set time – so if you want rate certainty, fixing is an easy way to get it. Investec FTSE 100 3 Year Defensive Deposit Plan, Investec FTSE 100 6 Year Defensive Deposit Plan. Compare Fixed Rate Bonds - Latest Interest Rates On 1,2,3,4 and 5 Year Fixed Rates - Savings and Tax Free Bonds Via An ISA from 6,12 and 18 months to 5 years -Monthly Interest Options With Access - Rates … Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. Financial Services Limited. Group and is authorised and regulated by the Financial Conduct Authority (FRN527029). The account can only be opened and managed online, and the minimum deposit is £1,000. Charges and Fees (88 KB) Payments to your account; Payments from your account; Verifying your identity; Glossary of Terms; Help & support Our new savings app. Want something fixed yet flexible? Fixed rate savings accounts from Zenith Bank (UK) Ltd. 1 Year Fixed Term Deposit 0.55%. Yes, some providers offer children’s Fixed Rate Bonds, and some adult Fixed Rate Bonds do not have a minimum age requirement. Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. You can apply either through our online service or via our postal application service. Find out more . The above rates are subject to variation. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. A fixed rate bond is a type of savings account. Nationwide 1 Year Triple Access Online Saver, 1 Year, with option to make three free withdrawals, Habib Bank Zurich 6 Month Fixed Rate Bond, Apply now for Access Bank 3 Year Fixed Rate », Earn 0.60% AER Fixed Interest for up to £20,000, 2020 Top ISA Deals - Invest up to £20,000 tax free, High Interest Current Accounts - Up To 2.00% interest, Children's Savings - Junior ISAs From £10 pm, Deposit Plans - Up to 3.05% pa potential interest, Barnsley Building Society Fixed Rate Bonds, Cambridge Building Society Fixed Rate Bonds, Chelsea Building Society Fixed Rate Bonds, Chesham Building Society Fixed Rate Bonds, Coventry Building Society Fixed Rate Bonds, Darlington Building Society Fixed Rate Bonds, Derbyshire Building Society Fixed Rate Bonds, Dunfermline Building Society Fixed Rate Bonds, Ipswich Building Society Fixed Rate Bonds, Newcastle Building Society Fixed Rate Bonds, Nottingham Building Society Fixed Rate Bonds, Yorkshire Building Society Fixed Rate bonds, Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. This depends on which of the fixed rate bonds you choose, but usually you won't. Fixed rate bonds with no access to your money give you a fixed interest rate for a set amount of time (such as a year). These also give a fixed interest rate for a set amount of time (such as a year). Savings Accounts Types. Which? Access Bank savings accounts offer competitive interest rates on a range of fixed rate bonds. Help & support. The Access Bank UK Limited is registered in England & Wales, Company Number 6365062. Money Compare is a trading name of Which? Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We don’t carry advertising and we don’t allow providers to pay to optimise their search results. Fixed Rate Bonds; Easy Access; Regular Saver; Childrens; View all rates See how our Savings Pledges could support you . Which? Financial Services Limited is a wholly-owned subsidiary of Which? You can personalise the chart by specifying the size and type of deposit you would like to make … The return or interest rate shown assumes that no withdrawals have been made during the calendar month. Access Bank UK is offering a two-year bond at 2.38%. At Raisin UK, the interest you earn from a fixed rate bond will usually be paid to you upon maturity at the end of your fixed term, regardless of how frequently you earn it. If you do wish to complain about Money Compare, please see the full details of how to register a complaint here. Which? • Joint Account – your fixed rate savings bond provided by The Access Bank UK Limited, which you hold jointly with another accountholder. Savers can choose from fixed rate deals of 1, 2 and 3 years, offering a lot of flexibility to suit your savings goals. The … Group of which we are part. A Shepherds Friendly our fixed rate bond lets you save for the future safe in the knowledge that you’re getting a guaranteed return on your savings. This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus. Valentina Cipriani Updated Dec 22, 2020. Just remember you normally can't take your money out during the term, so only lock away what you definitely won't need. Money Compare Site. See above for Access Bank savings accounts, or to compare rates from other leading providers. Or if you can access it, there will be a hefty fee for doing so. A fixed rate bond will restrict your access to your money. 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. Aldermore and UBL UK have the next best easy access rate. Fixed Rate Bonds That Pay Monthly Interest - Selected 1,2,3,4 and 5 Year Fixed Interest Rates - Savings and Tax Free Bonds Via An ISA from 6,12 and 18 months to 5 years - Monthly and Annual Interest Options With Access - Rates For Over 65s Runpath receives a commission from some of the brokers and providers listed on the Which? The Which? The Double Access Account Issue 1 from Aldermore has a rate of 0.60% gross and interest can be paid either on anniversary of the account opening or monthly. That's why they're happy to pay a little bit more to savers using fixed-rate bonds. Savers can choose from fixed rate deals of 1, 2 and 3 years, offering a lot of flexibility to suit your savings goals. Is it a safe place for my money? At Al Rayan Bank, for example, you could earn up to 2.17%. Minimum deposits can range from £1 to £50,000, while maximum deposits can be as high as £2,000,000. Keep in m… Which? Runpath has no influence on these ratings. A fixed rate bond savings account (also known as fixed rate savings, fixed term bonds or fixed term deposits) could be ideal for you if you want to lock your money away for a set time at a rate that won’t change from the day you open your account until the end of your fixed term. By continuing to browse you consent to our use of cookies. Fact checked. Banks and building societies want you to invest your cash in their savings accounts, which is why they pay you interest. If you're worried about rates falling further, fixed-rate accounts (aka 'fixed-rate bonds'), offer some protection. Minimum deposits from £5,000 to a maximum of £500,000, however you may open as many bonds as you require. You can't access your money until the fixed term ends. 0.59% We use cookies to allow us and selected partners to improve your experience and our advertising. Our FSCS protected fixed rate personal savings accounts are perfect for the savvy saver who wants to know exactly how much money they’ll earn over a specific period of time, receiving interest annually. Registered Office: 4 Royal Court, Gadbrook Way, Gadbrook Park, Northwich, Cheshire, CW9 7UT. Compare fixed rate bonds Lock away your savings for a while and get a higher interest rate with fixed rate bonds. If you’re willing to lock your savings away for 12 months, Atom Bank’s new bond offers 2.03% AER on your savings and you can open an account with just £50. if you’re applying for a Fixed Rate Saver in joint names you can apply via telephone banking or pop into your local branch; the Fixed Rate Saver funds will be transferred from a nominated account with HSBC UK Bank, please ensure that funds are available . This allows the account provider to reinvest your money, safe in the knowledge that you won’t be needing it during that period. Paragon Bank is topping up rates further across six of its products from Friday 18 th September.. Paragon’s range of fixed term products can be opened online, over the phone or by post and are available to both new and existing customers. Bonds are available in a wide range of currencies including USD, EUR, GBP, AUD, CAD and NZD helping to diversify your portfolio. Access Bank Fixed Rate Bonds Access Bank savings accounts offer competitive interest rates on a range of fixed rate bonds. For more information on Raisin UK, visit raisin.co.uk or call their customer services team on 03301 220 200. We cannot guarantee that products listed will be available or available on the terms specified. The interest rate is fixed so it won't change during the term. Income we generate from our commercial activities helps the Which? Money editorial team and reflects the quality of service Which? Navigate Savings Accounts. • Maturity Date – the day on which your account ends and on which we will repay your deposit and the interest you have earned. In recent weeks, providers have been vying for savers’ deposits, with a number launching new products and upping their rates. Onshore & offshore. Financial Services Limited. 3 Year Fixed Term Deposit 0.88%. But with a normal, easy-access account the bank or building society doesn't have any security - you can withdraw your money whenever you like. Money Compare is a trading name of Which? You will need to check that your fixed rate bond … There are also fixed rate bonds with access to your money with a penalty. Financial Services Limited. (variable), 5.1% fixed return if the Index is higher than its Initial Level, Short/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 – 29 January 2021, Deadline for Direct & ISA applications – 12 February 2021, Returns not guaranteed. Open your account today APPLY NOW. Financial Services Limited. See above for Access Bank savings accounts, or to compare rates from other leading providers. Customer Score is based on research carried out by the Which? FCA & PRA Registration Number 478415. Open your account today APPLY NOW. By agreeing a fixed-term period, you’re essentially locking it away for that time. Meanwhile, Charter Savings Bank has raised the rate of its fixed-term one-year bond to 1.98% AER. Important Information: This is a structured deposit plan and is capital protected. Limited on behalf of Which? The rate of interest you get doesn’t change for the period of the bond. Which? Money Compare content is hosted by Which? You can choose to have your interest paid monthly or every 12 months … With savings accounts of this type, how you earn interest from a fixed rate bond depends on which 2 year fixed rate bond you open and which bank is offering the account. The data for our service is provided by Runpath Digital, which has selected lovemoney.com financial services limited, registered in England & Wales to White Collar Factory, 1 Old Street Yard, London EC1Y 8AF, company number 07406032, and which is authorised and regulated by the Financial Conduct Authority (FRN 479153), as its service provider. A proportion of this commission is then repaid to Which? If you've already taken advantage of your annual ISA allowance, or simply prefer to opt for a Fixed Rate Bond, this range similarly offers a definite return on your savings. When you deposit your money in a fixed rate bond, it’s locked away; you typically can’t add to it or access it. Open your account today APPLY NOW. Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665, and is an Introducer Appointed Representative of Which? However, both these rates trail behind the best in the market. Runpath Digital and lovemoney.com financial services limited are not members of the Which? Please check availability and terms direct with the relevant product provider. Earn 0.20% gross/AER fixed interest for two years from account opening. Paragon Bank has market leading rates across its range of one, two and three year fixed rate bonds and ISAs. This is a Fixed Rate Bond that has been applied for on someone else’s behalf, and is usually for people who don’t have their own current accounts yet. You may only receive a return of your original capital, If you withdraw your money during the plan you may get back less than you originally invested, 18.3% fixed return if the Index is higher than its Initial Level, Medium/long term alternative to fixed rates, 3.75% fixed return if the Index is higher than 90% of its Initial Level, Fixed return – Either 11.7% if the Index is above the Initial Level, or 4.2% if it is the same or lower than the Initial Level. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions. Find out more about how to open accounts, make deposits and access your money. Group to be independent and impartial in how it helps consumers make informed decisions, raise awareness of consumer needs and drive positive change. Savers piled £45bn into easy-access accounts in just four months over lockdown Zero Coupon bonds Fixed Coupon bonds Floating rate bonds / notes Government bonds (US bonds, UK gilt and European bonds) Corporate (high grade) Emerging market (Eurobonds and Yankees by sovereigns and corporate) Currencies. A Fixed Rate Bond can also be opened as a ‘Re: Account’. FSCS protection: a fixed rate bond is a savings account, which means the Financial Services Compensation Scheme (FSCS) will cover up to £85,000 of your deposit if the bank or building society goes out of business. All pages and content are the sole responsibility of Which? You can understand more and change your cookies preferences here. Grab a fixed rate deal before they disappear: Banks now offering over 1% but it may not last if NS&I cuts its rates. Fixed savings. Stable future. members we’ve surveyed have told us they received you can expect to get from the provider you choose. 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