Best Fixed Rate Bonds
Compare best fixed rate bond deals...
If you have a
lump sum to invest and you
don't really need to have access to your money, a fixed rate bond could be the savings account for you.
Check out the best fixed rate bonds from leading providers using the table below:
| 5 Year Fixed Term Deposit Account | 4.00% | |
| Interest paid either Annually at 4.00% AER, Quarterly at 3.94% Gross or Monthly at 3.93% Gross. Minimum Deposit £10,000. |
| The Royal Deposit Plan | 3.50% | |
| This 3 year fixed rate deposit plan returns 3.50% a year - Interest paid annually |
| 18 Month Fixed Rate Bond | 2.80% | |
| 18 Month Fixed Rate - 2.80% AER. Open to new and existing customers. Click to learn more. |
| Santander 1 Year Fixed Rate Bond | Up to 2.75% | |
| Available to new and existing customers. Deposit over £1 and receive 2.60% AER, deposit over £10K to 2.75% AER |
| 9 Month Fixed Rate Bond | 2.60% | |
| 9 Month Fixed Rate - 2.60% AER. Open to new and existing customers. Click to learn more. |
Only Available to Nationwide Flex-Account customers | Nationwide E Bond: 6 months | up to 2.00% | |
| Earn 2.00% AER on balances over £1. |
| ING Direct Savings Account | 2.75% | |
| Rate guaranteed for 12 months from date account opened. Save from just £1. |
| Direct Transfer Account | 2.70% | |
| Includes a 0.69% bonus payment for the 1st 12 months giving you a return of 2.70% AER. Open from £1,000. |
| Lloyds TSB International Bonus Saver | 2.01% | |
| 2.01% includes a 12 month bonus of 0.50%. Rate without bonus is 1.50% |
Only Available to Nationwide Flex-Account customers | Nationwide E Savings Plus | 2.00% | |
| [No bonus] Available to Nationwide Flex Account holders only. Rate applies where 3 or fewer withdrawals are made each year. |
| Direct Saver | 1.50% | |
| [No bonus] Tiered interest rates from 1.00% to 1.50% AER. Start saving from just £1. |
| Natwest E Savings | 1.00% | |
| [No bonus] Flat rate of interest. Just one rate which stays the same |
| Online Bonus Saver | 0.75% | |
| 0.75% including a 0.50% bonus on months where you don't make a withdrawal. Rate without bonus is 0.25%. |
| FTSE Income Plan |  | 7.50% | |
| 6 year structured income plan with a fixed annual income return of 7.50% |
| Schroders Income Maximiser | | Click for Details | |
| The Schroder Income Maximiser Fund ISA aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid quarterly. |
| Invesco Perpetual Corporate Bond ISA | | 5.16%*** | |
| This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge. |
| Artemis Income ISA | | 4.40%* | |
| One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
| M&G Corporate Bond ISA | | 4.24%* | |
| The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge. |
| Invesco Perpetual High Income Fund ISA | | 3.91%** | |
| One of the UK's most popular income fund ISAs the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
| Jupiter Merlin Income Portfolio | | 2.90%* | |
| The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount Off the Standard Initial Fund Charge. |
* Income payments are dependent upon the FTSE 100 Index.
† Guaranteed income payments.
Disclaimer (Please Read)
Please bear in mind that:
- Investment ISAs are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
- The list of funds provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on an “execution only” basis.
- Full details of the funds, including investment performance statistics and risk profile will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
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The best fixed rate bonds providers should offer:
- A choice of fixed rate terms – usually between 1 and 5 years
- A choice of investment level – usually between £1,000 and £250,000
- A guaranteed return on your money
- A choice of having your interest paid monthly or annually
See the table above for the best fixed rate bonds or use the link below to compare the market further: