NatWest Fixed Rate Bonds

Compare NatWest Savings With The Market

ProviderAccountInterest RateTermApply
1.30%Instant AccessMore Info >
MARKET LEADING. Earn 1.30% gross/AER. Open with £1. Unlimited free withdrawals. Interest paid monthly or annually. Manage your account online. Rate includes a 1.05% gross fixed rate bonus for 12 months from account opening. After 12 months the rate will revert to underlying rate, currently 0.25% gross/AER variable. FSCS protected
1.30%Instant AccessMore Info >
MARKET LEADING. Earn 1.30% 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, the French deposit protection scheme. Manage account online.

1.17%

Instant AccessMore Info >
Earn 1.17% AER variable interest. Interest can be paid monthly or annually. Open an account singly or jointly. Minimum deposit £1. Unlimited deposits and withdrawals permitted. FSCS Protected
1.00%Easy AccessMore Info >
1.00% gross/AER on balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest.

1.80%

per annum

£5,000More Info >
Earn 1.80% fixed interest - 1 year term - Save from £5,000 to £500,000 - No additional deposits or withdrawals permitted -FSCS Protected

1.70%

Gross AER

£500More Info >
Earn 1.70% fixed interest. 1 year term. Interest can be paid monthly or annually. Open an account singly or jointly. Minimum deposit £500. No withdrawals permitted. FSCS Protected

Over

1.20%

Gross AER

£1,000More Info >
Managed Savings Service. Save time and hassle. 1 year term. Savers open one account with Octopus cash who then spread the money across some of the best challenger bank rates around. At the end of the term savers can either withdraw money or allow Octopus Cash to automatically switch accounts to the best rates on offer. FSCS Protected

2.05%

per annum

£5,000More Info >
Earn 2.05% fixed interest - 2 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected

2.00%

per annum

£500More Info >
Earn 2.00% fixed interest. 2 year term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

2.25%

per annum

£5,000More Info >
Earn 2.25% fixed interest - 3 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected
Latest ISA Deals
ProviderAccountISA TransfersProtection schemeFund choiceInvest From:More info
yes

FSCS

2,500+ funds

£10 per month

or £50 single

More Info >

Why we like it: The Standard Life Junior ISA from £10 pm. Tax efficient investing to help pay from anything from university fees to a first car.

Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital’s at risk. Charges may apply.  Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. ISA transfer charges may apply, please check with your provider.
Peer to Peer Fixed Term ISA - Earn high tax free interest
ProviderAccountTarget ReturnTermMore Info

up to 8.70%

per annum

1 to 5 YearsMore Info >
  • Earn estimated 8.70% APR*
  • 1 - 5 year term
  • Available for ISA, ISA transfer & direct investment
  • Minimum investment £10
  • Manage your account online
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

6.00%

target rate p.a.

No Fixed TermMore Info >
  • Christmas Offer: A festive pack of Pickering’s 'Gin Baubles' will be given away to the first 200 investors who invest at least £2,000 on the platform by 15 December 2017
  • Cashback offer: £200 cashback for any investments over £5,000. Open to new and existing customers. Ends 2nd January 2018
  • Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £15,240 each tax year, and you don’t need to pay any personal taxes on your earnings
  • Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.
  • Target return - 6% a year
  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £1,000, Maximum £20,000
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

5.68%

target rate p.a.

Typically 1 – 5 yearsMore Info >
  • Tax-free earnings on your investments with the Downing IFISA
  • A range of fixed-term bonds to choose from
  • Downing’s fee is contingent on investors getting their capital and interest back in full
  • To help manage risk, our Crowd Bonds are secured against existing assets, which means that if a borrower defaults on the bond, Downing, as security trustee, has the right to take control and use the net proceeds to repay some or all of the investors’ capital and interest
  • Our monitoring fee is contingent on investors receiving their capital and interest being repaid in full
  • Downing Crowd was recently awarded Best Investment Platform at the 2017 Growth Investor Awards, November 2017
  • So far we have raised some £40 million to support the growth of smaller UK companies, and repaid investors some £16 million of capital and £1 million interest (as at December 2017)
  • Capital at risk and returns are not guaranteed
  • No FSCS deposit protection
  • Must be UK resident and over 18 years

 

3.75%

annualised p.a.

Up to 5 YearsMore Info >
  • The Property‐Backed ISA is the latest in Landbay's peer‐to‐peer investments following the introduction of the Innovative Finance ISA from HM Treasury in 2016. A Landbay ISA investment is the same as a Classic investment with a tax‐free wrapper
  • Earn estimated 3.75% APR*
  • Up to 5 year term
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £5000, Maximum £20,000
  • No ongoing fees or investment fees
  • Investments are automatically diversified across multiple buy-to-let mortgages
  • Sell your investment on the secondary market at any time, subject to Landbay's ability to reallocate your invested loan parts
  • Landbay's Reserve Fund exists in case a borrower misses a payment or defaults. To date they've had none
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders offer their own compensation schemes.

*Returns may be higher or lower

Alternative Saving Ideas - Earn high interest on your savings
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Peer to Peer Lending is not covered by the FSCS
Fixed Rate Bond Selection
ProviderAccountInterest RateTermApply

2.25%

per annum

£5,000More Info >
  • Earn 2.25% AER/gross fixed for 3 years.
  • Minimum opening balance of £5,000; maximum balance £500,000.
  • Interest paid on maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No additional deposits or withdrawals permitted.

1.70%

per annum

£5,000More Info >
  • Earn 1.70% gross/AER fixed for 2 years
  • Save from £5,000
  • No withdrawals

2.08%

per annum

£500More Info >
  • Earn 2.08% AER for deposits between £500 and £250,000.
  • Minimum opening balance of £500; maximum balance £250,000.
  • Interest paid monthly or at maturity
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted.
Alternatives to Fixed Rate Bonds
ProviderPlanDeposit TakerPotential ReturnTermMore Info
Kick Out Deposit PlanInvestec Bank plc

4%

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% 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.

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 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.