NatWest Fixed Rate Bonds

Comapre NatWest fixed rate bonds

If you have some money you can afford to lock away to earn interest for a predefined period of time then a NatWest fixed rate bond could be the savings solution for you. Before you decide however you can use the table below to compare different savings options from various providers to see if you can decide which one fits your circumstances best:

NatWest Fixed Rates
Sorry, your search has returned no results.
Fixed Rate Bond Selection
ProviderAccountInterest RateTermApply

2.25%

per annum

£1,000More Info >
Earn 2.25% fixed interest - 5 year term - Minimum deposit £1,000 - No withdrawals permitted. FSCS Protected

2.20%

per annum

£1,000More Info >
Earn 2.20% fixed interest - 3 year term - Minimum deposit £1,000 - No withdrawals permitted. FSCS Protected

2.10%

per annum

£5,000More Info >
Earn 2.10% fixed interest - 3 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected

2.00%

per annum

£1,000More Info >
Earn 2.00% fixed interest - 2 year term - Interest can be paid monthly, quarterly or at maturity - Minimum deposit £1,000 - Maximum deposit £200,000 - No withdrawals permitted - FSCS Protected

2.00%

per annum

£5,000More Info >
Earn 2.00% fixed interest - 2 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected

1.70%

per annum

£5,000More Info >
Earn 1.70% fixed interest - 1 year term - Save from £5,000 to £500,000 - No additional deposits or withdrawals permitted - FSCS Protected

1.60%

per annum

£1,000More Info >
Earn 1.60% fixed interest - 3 year term - Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

1.50%

per annum

£1,000More Info >
Earn 1.50% fixed interest - 2 year term - Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

1.35%

per annum

£1,000More Info >
Earn 1.35% fixed interest - 1 year term - Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

1.40%

per annum

£1,000More Info >
Earn 1.40% fixed interest - 1 year term - Interest can be paid monthly, quarterly or at maturity - Minimum deposit £1,000 - Maximum deposit £200,000 - No withdrawals permitted - FSCS Protected
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest RateTermApply
1.45%Instant AccessApply Now >
MARKET LEADING: Earn 1.45% 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.
Medium Term Fixed Rate Bonds (3-4 years)
ProviderAccountInterest RateTermApply

1.15%

per annum

£10,000Apply Now >
Earn 1.15% fixed interest - 3 year term - Minimum deposit £10,000 - No withdrawals permitted - FSCS Protected
Long Term Fixed Rate Bonds (4+ years)
Sorry, your search has returned no results.
Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out Deposit PlanInvestec Bank plc

4.25%

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 4.25% times the number of years the plan has been in force. Also available for Cash ISA and ISA 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.

NatWest fixed rate bonds feature:

  • Choice of 1 or two year terms
  • Minimum opening deoposit of £5,000
  • Maximum deposit of £500,000
  • 14 day cooling off period where you can cancel your account without an early closure charge
  • Need to be aged 16 years or over
  • Interest paid monthly

 

The NatWest fixed rate bond does offer early closure however at a charge of 90 days interest and you need to provide 35 days notice.

 

As by their very nature bonds require you lock away savings for a predefined period of time, before you invest in one you may want to consider other alternatives as well to decide what you feel would be best for you as well as shopping around to find out about the different fixed rate bonds available.

 

Alternative saving plans

 

  • Tracker bonds – These are similar to fixed rate bonds, but the rate of interest you earn over the course of the bond may vary, this is because the rate you receive is linked to the base rate set by the Bank of England. Meaning you could have a better or worse interest rate.

 

  • Structured Deposits – Like a bond a structured deposit requires you to lock up your funds for a period of time. They generally offer better rates of interest on bonds but your return is not guaranteed. They are tied to the performance of a stock index or indices, if over the plan the index or indices performs in a certain way as set out in the plan you will get back 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 tend to 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 a forfeit for closing the account early.