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
2.90%5 YearsApply Now >
Earn 2.90% AER/Fixed
2.70%5 yearsApply Now >
Earn 2.70% AER/gross fixed for 5 years. Minimum opening deposit of £10,000; maximum deposit £200,000. Interest paid on maturity. Available for single and joint account holders. Covered by the FSCS (Financial Services Compensation Scheme).
2.61%4 YearsApply Now >
Earn 2.61% gross/AER fixed for 4 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.
2.55%4 yearsApply Now >
Earn 2.55% AER/gross fixed for 4 years. Minimum opening deposit of £10,000; maximum deposit £200,000. Interest paid on maturity. Available for single and joint account holders. Covered by the FSCS (Financial Services Compensation Scheme).
2.50%5 YearApply Now >
Earn 2.50% AER fixed for 5 years. No withdrawals during the term. Minimum deposit £1,000.
2.30%
minimum
3 YearsApply Now >
This account pays 0.50% above the Bank of England Base Rate (variable) for 3 years with a minimum of 2.30% AER. No withdrawals during the term. Minimum deposit £25,000.
2.46%3 yearsApply Now >
Minimum deposit £1000. Available to individuals and joint applicants. No withdrawals. Apply online.
2.45%4 YearApply Now >
Earn 2.45% AER fixed for 4 years. No withdrawals during the term. Minimum deposit £1,000.
2.44%3 YearsApply Now >
Earn 2.44% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available
2.40%3 yearsApply Now >
Earn 2.40% AER/gross fixed for 3 years. Minimum opening deposit of £10,000; maximum deposit £200,000. Interest paid on maturity. Available for single and joint account holders. Covered by the FSCS (Financial Services Compensation Scheme).
2.40%3 YearApply Now >
Earn 2.40% AER fixed for 3 years. No withdrawals during the term. Minimum deposit £1,000.
2.38%2 yearsApply Now >
Earn 1.88% gross/AER fixed for 2 years. Save from £5,000 to £500,000. No additional deposits or withdrawals. Apply online.
2.35%2 YearApply Now >
Earn 2.35% AER fixed for 2 years. No withdrawals during the term. Minimum deposit £1,000.
2.10%2 yearApply Now >
Minimum deposit £1000. Available to individuals and joint applicants. No withdrawals. Apply online.
2.10%2 yearsApply Now >
Earn 2.10% AER/gross fixed for 2 years. Minimum opening deposit of £10,000; maximum deposit £200,000. Interest paid on maturity. Available for single and joint account holders. Covered by the FSCS (Financial Services Compensation Scheme).
up to 2.10%3 yearsApply Now >
Earn up to 2.10%. Minimum deposit £10,000. Available to individuals and joint applicants. No withdrawals. Apply online.
1.90%1 yearApply Now >
Minimum deposit £1000. Available to individuals and joint applicants. No withdrawals. Apply online.
2.00%1 YearApply Now >
Earn 2.00% AER fixed for 1 year. No withdrawals during the term. Minimum deposit £1,000.
up to 1.90%2 yearsApply Now >
Earn up to 1.90%. Minimum deposit £10,000. Available to individuals and joint applicants. No withdrawals. Apply online.
1.75%1 yearApply Now >
Earn 1.75% AER/gross fixed for 1 year. Minimum opening deposit of £10,000; maximum deposit £200,000. Interest paid on maturity. Available for single and joint account holders. Covered by the FSCS (Financial Services Compensation Scheme).
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest Rate (AER)TermApply
1.80%1 YearApply Now >
  • Earn 1.80% gross/AER fixed for 1 year
  • Interest paid monthly or on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be a UK resident and aged 18 or older
  • £2,000 minimum deposit
  • Penalty for early withdrawal
1.15%2 yearsApply Now >
  • Earn 1.15% Gross (1.14% 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
  • Arrangement fee of £250
0.90%1 yearApply Now >
  • Earn 0.90% 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
  • Arrangement fee of £250
Medium Term Fixed Rate Bonds (3-4 years)
ProviderAccountInterest Rate (AER)TermApply
2.44%3 YearsApply Now >
Earn 2.44% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available
2.15%3 YearsApply Now >
Interest paid annually at 2.15% (gross), quarterly at 2.13% (gross), or monthly at 2.13% (gross). Minimum Deposit £10,000.
Long Term Fixed Rate Bonds (4+ years)
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Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out Deposit PlanInvestec Bank plc

4.5%

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 4.5% times the number of years the plan has been in force. Also available for Cash NISA and NISA transfer.
Target Income Deposit PlanInvestec Bank plc4.2%
per annum
6 yearsMore Info >
6 year structured deposit plan paying a potential annual income of 4.2%. 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.