Principality Fixed Rate Bonds

Compare Principality fixed rate bonds

ProviderAccountInterest RateTermApply
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.
1.22%Instant AccessMore Info >
Earn 1.22% gross/AER variable. Open with £1. Unlimited free withdrawals. Interest paid monthly or annually. Manage your account online. Rate includes a 0.97% 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

1.17%

£1More 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

2.20%

per annum

£1,000More Info >
Earn 2.20% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. FSCS Protected
Latest Current Account Deals
 AccountInterest (AER)Overdraft RateFunding Required*Fee pmFeaturesApply
3% AER**£25 interest and fee free overdraft plus £10 buffer£500 per monthFree3% AER variable in-credit interest on balances up to £1,500More Info >
N/A0% for first £250No minimumFree if funding £1,000 or £10 below £1,000£100 for switching into account. £250 interest free overdraft. Free banking if paying over £1,000 per month. £100 if not satisfied after 6 monthsMore Info >
N/a*£8**No minimum£19*Instead of interest you receive 2% rewards on 7 types of household bills if paid by Direct Debit, plus extra benefits including free Worldwide travel insurance, UK breakdown cover and mobile phone insurance.More Info >
N/a*£8**No minimum£12*Instead of interest you receive 2% rewards on 7 types of household bills if paid by Direct Debit, plus extra benefits including free European travel insurance and mobile phone insurance. More Info >
N/a*£8**No minimum£2*Instead of interest you receive 2% rewards on 7 types of household bills if paid by Direct Debit. More Info >
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
  • 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

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

2.45%

per annum

£1,000More Info >
  • Earn 2.45% gross/AER fixed for 5 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term

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.

2.40%

per annum

£1,000More Info >
  • Earn 2.40% gross/AER fixed for 4 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • No withdrawals allowed
  • Bond designed to be held for full term

If you can afford to put some money aside and not have access to it for a set period of time, then a Principality fixed rate bond might be able to offer you a better rate of interest than their instant access options. Before you decide however you can use the comparison table below to look at fixed rate bonds and other saving plans from various different providers.


Principality fixed rate bonds feature:

  • Invest from £500 to £2million
  • Terms of 1, 2, 3, and 5 years
  • Additional deposits permitted while the bond remains on sale
  • No withdrawals permitted before the end of the bond’s term
  • Choice of monthly or annual interest payments

 

Some Principality fixed rate bonds permit early closure of the account; however early closures may be subject to a loss of a certain amount of days worth of interest, depending on the bond’s length. You may receive back less than you originally invested if that amount of interest has not yet accrued.

 

 

As opening a Principality fixed rate bond requires you to lock away your savings for a set period of time before you do so you might want to consider alternative types of saving plan as well as researching different fixed rate bonds.

 

 

Alternative saving plans include:


Tracker bonds

While this is another bond, the interest that accrues on it is not at a fixed rate. The interest rate you receive will vary in accordance to changes made to the Bank of England’s Base Rate which it ‘tracks’ This means your interest rate may get better over the bond’s term in could also get worse however. 

 

 

Structured Deposits

Like fixed rate and tracker bonds a structured deposit requires you to lock up your funds for a period of time however they generally offer better potential interest payments, but they are not guaranteed so you may only get your original deposit back. This is because your interest payment it dependent on how the index or indices the plan is linked to perform. The structured deposit will state how the index or indices needs to perform of the deposit’s term for you receive an interest payment, if the index fails to perform in this way then you will only receive back your original investment with no interest on it.

 

 

Savings Account

Instant access savings accounts tend to offer lower interest rates than structured deposits or bonds, however they will usually allow you to make unlimited penalty free withdrawals so you can quickly access your savings if you need to.