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 Do you know how safe your savings are? Should you choose a fixed rate or a bonus rate? Our useful savings guides could help you to make the most of your money.
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Latest savings commentary

Inflation all wrapped up

Oliver Roylance-Smith / 01 February 2012

Recent weeks have provided confirmation of the interest rate status quo from the Bank of England along with the release of the latest inflation figures from the Office for National Statistics. Combi... Read more

Savings vs Inflation

Oliver Roylance-Smith / 29 November 2011

With so much uncertainty surrounding what will happen to inflation in the future, we review the current range of savings plans and see how their returns stack up against the rising cost of living. F... Read more

What will happen to inflation

Oliver Roylance-Smith / 15 November 2011

With the spotlight well and truly on inflation, we take a look at the latest events that will have an impact on its future and consider what this might mean for savers. Bank of England holds firm Th... Read more

Latest banking news

Inflation all wrapped up

Oliver Roylance-Smith / 01 February 2012

Recent weeks have provided confirmation of the interest rate status quo from the Bank of England along with the release of the latest inflation figures from the Office for National Statistics. Combi... Read more

Inflation and interest rates - what it means for you

Oliver Roylance-Smith / 01 February 2012

In the last fortnight we have had a further vote on the base rate by the Bank of England’s Monetary Policy Committee as well as the revised inflation figures released by the Office for Nationa... Read more

Savings vs Inflation

Oliver Roylance-Smith / 29 November 2011

With so much uncertainty surrounding what will happen to inflation in the future, we review the current range of savings plans and see how their returns stack up against the rising cost of living. F... Read more

Latest investment commentary

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

Bradford and Bingley Fixed Rate Bonds

Compare Bradford and Bingley Fixed Rate Bonds

Bradford and Bingley fixed rate bonds offer a variety of options, depending on how you want to save.

From January 2010 Bradford & Bingley fixed rate bonds have been re-branded as Santander fixed rate bonds.

With the table below, you can compare a range of savings deals from Santander:

Fixed Rate Bond Selection
ProviderAccountInterest Rate (AER)TermApply
4.60%5 YearsApply Now >
  • Monthly, quarterly or annual interest options
  • Interest paid gross on deposits over £50,000
  • Also available to charities and trusts
  • £10,000 minimum deposit
  • No Partial Withdrawals
4.00%3 YearsApply Now >
  • Interest paid gross on deposits over £50,000
  • Interest can be paid monthly, quarterly or annually
  • Also available to charities and trusts
  • £10,000 minimum deposit
  • No Partial Withdrawals
3.60%1 YearApply Now >
  • 3.60% Gross/AER fixed for 1 year
  • Open with £1,000 minimum deposit
  • No maximum deposit

With Bradford and Bingley (now Santander UK) you can choose from

  • Regular saver – Save between £10-£1,000 a month
  • 3 year eBond – View your account online
  • 1 year fixed bond - In branch or by post, invest from £1
  • 1 year fixed bond – Online, invest lump sum from £1,000

To make sure you get the best deal on offer, which suits your requirements and helps you to make the most of your money, use our comparison service to see if Bradford and Bingley fixed rate bonds are right for you.

Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Inflation Protected Deposit BondRoyal Bank of Scotland plcRPI Tracker 5 yearsMore Info >
  • 5 year structured deposit plan
  • Capital protected
  • 100% any growth in RPI (no cap) with a minimum return of 16%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 3 Year Deposit Plan Investec Bank plc19%3 yearsMore Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 19%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE Income Deposit PlanRoyal Bank of Scotland plc7.25%
per annum		6 YearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Income is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plc6.25%
per annum		Up to
5 years		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 1Investec Bank plc6.00%
per annum		Up to
5 years		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 1,2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Deposit Growth PlanInvestec Bank plcNo limit5 yearsMore Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential to return 1 x FTSE 100 growth
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth Deposit BondRoyal Bank of Scotland plc50%6 yearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • Target return of 8.00% or if greater 1 x any FTSE 100 growth (capped at 50%)
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Enhanced Growth PlanSantander UK plc40%6 yearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • 5 x any rise in the FTSE 100 capped at 40%
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Annual Locked-In Return PlanSantander UK plc36%6 yearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • 6% potential annual return
  • Available for Cash ISAs & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed

These are structured deposit plans and are capital protected. There is a risk that the company backing the plans or any company associated with the plans 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 plans are not held for the full term.

If you are at all unsure of the suitability of these types of investments, both in respect of their objectives and risk profiles, you should seek independent financial advice.

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