Britannia Fixed Rate Bonds

Compare Britannia Fixed Rate Bonds

Britannia, now part of the Co-Operative Bank, offer fixed rate bonds to investors who are looking to get more from their cash. If you are happy to tie up your money for a period of time a fixed rate bond could get you more; the longer the fixed term generally speaking the higher the interest that you can get on your cash.vBritannia fixed rate bonds are just one option, there are lots of other deals available offering different benefits so compare some of the best ones on the market in the table below and apply online for the one that suits you:

ProviderAccountInterest RateTermApply
5.00%Current Account
Instant Access
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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.
1.20%Instant AccessMore Info >
Earn 1.20% 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 (Fonds de Garantie Dépôts et de Résolution), the French deposit protection scheme. Manage account online.
3.00%Current Account
Instant Access
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Monthly Interest of 3% AER (variable) payable on your entire balance up to £20,000 when you have at least £3,000 in your account. Monthly Cashback on selected household bills. Must pay in £500 into the account each month.
5.00%Current Account
Instant Access
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5.00% interest on balances up to £2,000 PLUS 5% cashback on first £100 of Contactless payments every month. Must pay in a minimum of £500 into the account each month. No monthly account fee.
1.00%Current Account
Instant Access
More Info >
Innovative new banking service powered by Clydesdale and Yorkshire Banks. Get your current account and instant access savings account working together. Earn 1% AER on ALL instant access credit balances, and 0.5% AER on current account balances up to £2,000. £2 per month fee. INTRODUCTORY OFFER: Free for the first 12 months.


per annum

£10,000More Info >
Earn 1.50% fixed interest - 3 year term - Minimum deposit £10,000 - No withdrawals - FSCS Protected


per annum

£10,000More Info >
Earn 1.40% fixed interest - 1 year term - Minimum deposit £10,000 - No withdrawals - FSCS Protected


per annum

£1,000More Info >
Earn 1.10% fixed interest - 12 month term - Minimum deposit £1,000 No withdrawals permitted. FSCS Protected


per annum

£1,000More Info >
Earn 0.80% fixed interest - 6 month term - Minimum deposit £1,000 No withdrawals permitted. FSCS Protected

Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out Deposit PlanInvestec Bank plc


per annum

Up to
6 years
More Info >
  • 2.75% 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 ISAs, ISA transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 

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.

Features of Britannia fixed rate bonds include

  • 1, 2 and 3 year bonds available
  • Guaranteed capital investment bonds – Potential returns based on the FTSE but at no risk to your capital
  • Minimum deposit of £1000 to a maximum of £1 million.
  • Tax-free Capital Bond ISAs – Tax-free fixed rate savings
  • It is not possible to add to or withdraw from this account during the term of the product
  • Choose between monthly and annual interest payments

Before you decide if Britannia Building Society fixed rate bonds are the best option for you, compare other leading offers with our FREE comparison service using the tables above.

Other types of plan you may wish to think about

  • Tracker bonds – This is another choice of bond that differs from fixed rate in that instead of your interest rate staying consistent over the bond’s term, it will change in reflection to any increases or decreases in the Base Rate set by the Bank of England. This means if during the term the base rate raises you will benefit from an increase in how much you receive in interest, if however it decreases you will receive less.


  • Structured Deposits – these are similar to bonds in that you have to lock up your money in the investment for a set period of time. However this type of plan is normally tied to an index such as the FTSE 100. If during plan the index or indices perform in a certain way you will receive your original investment back plus an interest payment typically larger than those offered by bonds or savings accounts. However if it does not perform in a certain way set out at the start of the plan you will receive your investment back but will no gains on it, so it is a risk that needs to be carefully considered beforehand.


  • Savings Account – If you are looking into how you can earn interest on your savings while maintaining access to them should you ever need them before the end of the term then an instant access savings account may be the solution to you. Although they do offer lower interest rates than bonds or structured deposits, they usually offer unlimited free withdrawals meaning if you should ever need your savings you don’t need to worry about any forfeit for closing the account early.