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4 Year Fixed Rate Bonds

Compare 4 Year Fixed Rate Bonds

ProviderAccountInterest RateTermApply
1.30%Instant AccessMore Info >
MARKET LEADING. Earn 1.30% gross/AER. Instant Access. No notice periods. Unlimited payments and withdrawals. Pay in from £100. RCI Bank are protected up to a total of €100,000 by the FGDR, the French deposit protection scheme. Manage account online.

1.22%

Instant AccessMore Info >
Earn 1.22% AER variable interest. Interest can be paid monthly or annually. Open an account singly or jointly. Minimum deposit £1. Unlimited deposits and withdrawals permitted. FSCS Protected
1.15%Easy AccessMore Info >
1.15% gross/AER. Instant Access. Free withdrawals and no notice period. Deposit from £100. Includes a fixed bonus of 0.95% gross fixed for the first 12 months. Quick and easy online application

2.05%

per annum

£5,000More Info >
Earn 2.05% gross/AER fixed for 1 year. Save from £5,000. No withdrawals during the term. FSCS Protected

2.25%

per annum

£5,000More Info >
Earn 2.25% gross/AER fixed for 2 years. Save from £5,000. No withdrawals during the term. FSCS Protected

2.32%

per annum

£500More Info >
Earn 2.32% fixed interest. 3 year term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

2.49%

per annum

£500More Info >
Earn 2.49% fixed interest. 4 year term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

2.67%

per annum

£1,000More Info >
Earn 2.67% gross/AER fixed for 60 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected
5.00%Current Account
Instant Access
More Info >
5.00% interest for 12 months on balances up to £2,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Must be aged 18 or older.
4 Year
Provider

Account

Type

Minimum

Deposit

Interest

Rate
 
£1,000

2.20%

per annum

Apply Now >
  • Earn 2.20% AER fixed for 48 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.
£1,000

2.40%

per annum

Apply Now >
  • Earn 2.40% gross/AER fixed for 4 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term
£500

2.49%

per annum

Apply Now >
  • Earn 2.49% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.
£1,000

2.10%

per annum

Apply Now >
  • Manage your account online
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
  • No withdrawals
£5,000

2.20%

per annum

Apply Now >
  • Earn 2.20% AER/gross fixed for 3 years.
  • Minimum opening balance of £5,000; maximum balance £500,000.
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No additional deposits or withdrawals permitted.
More Fixed Rate Bond Alternatives
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 6 Year Deposit PlanInvestec Bank plcyes6 years

45%

at end of term

More Info >
  • 45% fixed return if the Index is higher
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Also available for Cash ISA & ISA Transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

6%

per annum

More Info >
  • 6% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
6 Year Defensive Deposit PlanInvestec Bank plcyes6 years

25%

at end of term

More Info >
  • 25% fixed return if the Index is higher than 75% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 3 Year Deposit PlanInvestec Bank plcyes3 years

15%

at end of term

More Info >
  • Target return of 15%
  • Capital protected
  • Low minimum - £3,000
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
Investec FTSE 100 Income Deposit Plan Investec Bank plcyes6 years

3.50%

per annum

More Info >
  • Potential annual income of 3.50%
  • Income paid if the FTSE 100 finishes above 75% of its starting value
  • Alternative monthly option also available paying potential 0.28% per month (equivalent to 3.36% pa)  
  • Capital protected
  • Medium/long term alternative to fixed rates
  • Also available for Cash ISA & ISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 Defensive Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

4.5%

per annum

More Info >
  • 4.5% for each year if the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to 85% over the term
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 

Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Compare 4 year fixed rate bonds

A 4 year fixed rate bond could be a great way for you to guaranteed returns on a sum of money you do not mind not accessing for 4 years.  

 

Another great potential advantage of a 4 year fixed rate bond is that you will be protected from your bank suddenly changing your interest rate, although the flipside of this is that your interest rate deal may be overtaken by better offers during the course of your 4 year agreement.

 

All of this points to the need to really take the time to compare fixed rate bonds before committing your money, a task that we hope the tables on this page will make easier.

 

What are 4 year fixed rate bonds?

 

4 year fixed rate bonds are a form of savings account which offer you a guaranteed interest payment over the 4 year term. The longer the period of time generally the higher the interest payment paid.

 

Advantages of Fixed Rate Bonds

  • The interest rate offered is guaranteed for the 4 year term of the bond. This is unlike instant access savings accounts where the interest rate can go down or up at short notice.
  • Different banks and building societies will have different views on medium to long term interest rates. If interest rates rise more slowly than expected a fixed rate bond may give you a better return than what you could expect from an instant access account.
  • Some fixed rate bonds provide flexibility e.g. 1 withdrawal over the term.
  • Fixed rate bonds range from 2 months to 5 years in duration so you can choose a term that suits your circumstances
  • Many fixed rate bond providers offer online access so you can see how much interest you are earning.

 

Disadvantages of Fixed Rate Bonds

  • The benefit of enjoying a higher rate of interest must be weighed against tying up your capital for a fixed term. If you need access to your capital before maturity this may not be possible and if it is there may be interest penalties.
  • If interest rates rise over the 4 year term of the investment you may find the interest rate on your capital is no longer competitive compared to new offerings in the market.
  • Some fixed rate bond providers require a high minimum deposit e.g. £500
Fixed Rate Bond Selection
ProviderAccountInterest RateTermApply

2.65%

per annum

£1,000More Info >
  • Earn 2.65% gross/AER fixed for 5 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term

2.20%

per annum

£1,000More Info >
  • Earn 2.20% AER fixed for 48 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.

2.19%

per annum

£1,000More Info >
  • Earn 2.19% AER fixed for 36 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.

2.18%

per annum

£1,000More Info >
  • Earn 2.18% AER fixed for 30 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.

2.17%

per annum

£1,000More Info >
  • Earn 2.17% AER fixed for 24 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.

2.20%

per annum

£5,000More Info >
  • Earn 2.20% AER/gross fixed for 3 years.
  • Minimum opening balance of £5,000; maximum balance £500,000.
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No additional deposits or withdrawals permitted.

2.40%

per annum

£1,000More Info >
  • Earn 2.40% gross/AER fixed for 4 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term

2.25%

per annum

£5,000More Info >
  • Earn 2.25% gross/AER fixed for 2 years
  • Save from £5,000
  • No withdrawals

2.19%

per annum

£500More Info >
  • Earn 2.19% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

2.05%

per annum

£5,000More Info >
  • Earn 2.05% gross/AER fixed for 1 year
  • Save from £5,000
  • No withdrawals

1.96%

per annum

£500More Info >
  • Earn 1.96% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

1.91%

per annum

£500More Info >
  • Earn 1.91% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

1.97%

per annum

£1,000More Info >
  • Earn 1.97% AER fixed for 15 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.

1.96%

per annum

£1,000More Info >
  • Earn 1.96% AER fixed for 12 months
  • Minimum opening balance of £1,000; maximum balance £250,000
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Available as a sole account only
  • No withdrawals permitted.

1.86%

per annum

£500More Info >
  • Earn 1.86% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

1.70%

per annum

£500More Info >
  • Earn 1.70% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.

1.55%

per annum

£500More Info >
  • Earn 1.55% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.