High Interest Bonds

Compare high interest savings bonds

High interest bonds are a great way of saving money, offering competitive rates that are fixed for the term. If you are prepared to lock the cash away for a fixed period, usually of between 6 months and 5 years, you can benefit from high interest bonds. 

See our comparison table below where we've made it simple for you to compare deals and find the right high interest bonds for you:

Fixed Rate Bond Selection
ProviderAccountInterest Rate (AER)TermApply
2.85% to 3.85%5 yearApply Now >
Earn 2.85% AER fixed for first 2 years then 3.85% for next 3 years. No withdrawals during the term. Minimum deposit £25,000.
3.01%5 YearsApply Now >
Earn 3.01% gross/AER fixed for 5 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.
3.00%5 YearApply Now >
Earn 3.00% AER fixed for 5 years. No withdrawals during the term. Minimum deposit £1,000.
2.75%4 YearsApply Now >
Earn 2.75% gross/AER fixed for 5 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.
2.90%5 YearsApply Now >
Earn 2.90% AER/Fixed
2.75%4 YearApply Now >
Earn 2.75% AER fixed for 4 years. No withdrawals during the term. Minimum deposit £1,000.
2.60%
minimum
3 YearApply Now >
Earn 2.60% AER minimum for 3 years. This account pays 1.00% above the Bank of England Base Rate (variable). So if the Bank of England Base Rate goes up beyond 1.60%, you will earn the Bank of England Base Rate plus 1.00%.No withdrawals during the term. Minimum deposit £25,000.
up to 2.55%3 yearsApply Now >
Earn up to 2.55%. Minimum deposit £10,000. Available to individuals and joint applicants. No withdrawals. Apply online.
2.30%3 yearsApply Now >
Minimum deposit £1000. Available to individuals and joint applicants. No withdrawals. Apply online.
up to 2.20%2 yearsApply Now >
Earn up to 2.20%. Minimum deposit £10,000. Available to individuals and joint applicants. No withdrawals. Apply online.
2.00%3 YearApply Now >
Earn 2.00% AER fixed for 3 years. No withdrawals during the term. Minimum deposit £1,000.
1.90%18 monthsApply Now >
Minimum deposit £1000. Available to individuals and joint applicants. No withdrawals. Apply online.
1.85%2 YearApply Now >
Earn 1.85% AER fixed for 2 years. No withdrawals during the term. Minimum deposit £1,000.
1.80%1 YearApply Now >
Earn 1.80% AER/Fixed
1.75%15 monthsApply Now >
Minimum deposit £1000. Available to individuals and joint applicants. No withdrawals. Apply online.
up to 1.70%1 yearApply Now >
Earn up to 1.70%. Minimum deposit £10,000. Available to individuals and joint applicants. No withdrawals. Apply online.
1.50%1 YearApply Now >
Earn 1.50% AER fixed for 1 year. No withdrawals during the term. Minimum deposit £1,000.
1%18 MonthsApply Now >
18 Month Fixed Rate - 1% AER. Open to new and existing customers. Click to learn more.
0.75%9 MonthsApply Now >
9 Month Fixed Rate - 0.75% AER. Open to new and existing customers.
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest Rate (AER)TermApply
1.30%2 yearsApply Now >
  • Earn 1.30% gross/AER fixed for 2 years
  • Deposits are 100% guaranteed by Santander UK plc
  • Interest can be paid gross - subject to eligibility
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • No withdrawals allowed during the term
  • Minimum deposit of £50,000
1.00%1 yearApply Now >
  • Earn 1.00% gross/AER fixed for 1 year
  • Deposits are 100% guaranteed by Santander UK plc
  • Interest can be paid gross - subject to eligibility
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • No withdrawals allowed during the term
  • Minimum deposit of £50,000
1%18 MonthsApply Now >
  • Open to new and existing customers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit
0.75%9 MonthsApply Now >
  • Open to new and existing customers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit
Medium Term Fixed Rate Bonds (3-4 years)
ProviderAccountInterest Rate (AER)TermApply
2.31%3 YearsApply Now >
Earn 2.31% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available
1.75%3 YearsApply Now >
Interest paid annually at 1.75% (gross), quarterly at 1.74% (gross), or monthly at 1.74% (gross). Minimum Deposit £10,000.
Long Term Fixed Rate Bonds (4+ years)
ProviderAccountInterest Rate (AER)TermApply
3.01%5 YearsApply Now >
Earn 3.01% gross/AER fixed for 5 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.
Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out DepositInvestec Bank plc5.25%
per annum
Up to
6 years
More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 5.25% times the number of years the plan has been in force. Also available for Cash NISA and NISA transfer.
Target Income Deposit PlanInvestec Bank plc4.4%
per annum
6 yearsMore Info >
6 year structured deposit plan paying a potential annual income of 4.4%. Also available as a cash NISA and NISA transfer.

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 high interest bonds can include:
  • Usually require a minimum deposit
  • Fixed rate of interest that is unaffected by base rate changes
  • Guaranteed rate of return
  • Interest paid monthly or annually

High interest bonds generally do not allow additional deposits or any withdrawals until the term is over, but some bank and building societies will allow emergency access to the account in return for a partial loss of interest. Compare interest rates high interest bonds today and apply online to find the one that meets your needs.