This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Santander Fixed Rate Bonds

Compare Savings Deals

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.

1.29%

Instant AccessMore Info >
Earn 1.29% 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
1.15%Easy AccessMore Info >
1.15% gross/AER. Instant Access. Free withdrawals and no notice period. Deposit from £100. Includes a fixed bonus of 0.95% gross fixed for the first 12 months. Quick and easy online application

2.01%

per annum

£1,000More Info >
Earn 2.01% gross/AER fixed for 12 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.17%

per annum

£1,000More Info >
Earn 2.17% fixed interest. 24 month term. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.32%

per annum

£500More Info >
Earn 2.32% fixed interest. 3 year term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

2.49%

per annum

£500More Info >
Earn 2.49% fixed interest. 4 year term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

2.69%

per annum

£1,000More Info >
Earn 2.69% gross/AER fixed for 60 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected
5.00%Current Account
Instant Access
More Info >
5.00% interest for 12 months on balances up to £2,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Must be aged 18 or older.
Fixed Rate Bond Selection
ProviderAccountInterest RateTermApply

2.65%

per annum

£1,000More Info >
Earn 2.65% 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. FSCS Protected

2.20%

per annum

£1,000More Info >
Earn 2.20% gross/AER fixed for 48 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.19%

per annum

£1,000More Info >
Earn 2.19% gross/AER fixed for 36 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.18%

per annum

£1,000More Info >
Earn 2.18% gross/AER fixed for 30 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.17%

per annum

£1,000More Info >
Earn 2.17% fixed interest. 24 month term. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.20%

per annum

£5,000More Info >
Earn 2.20% fixed interest - 3 year term - Minimum deposit £5,000 - No withdrawals permitted. FSCS Protected

2.40%

per annum

£1,000More Info >
Earn 2.40% 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. FSCS Protected

2.15%

per annum

£5,000More Info >
Earn 2.15% gross/AER fixed for 2 years. Save from £5,000. No withdrawals during the term. FSCS Protected

2.19%

per annum

£500More Info >
Earn 2.19% fixed interest. 30 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

1.90%

per annum

£5,000More Info >
Earn 1.90% gross/AER fixed for 1 year. Save from £5,000. No withdrawals during the term. FSCS Protected

1.96%

per annum

£500More Info >
Earn 1.96% fixed interest. 18 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

1.91%

per annum

£500More Info >
Earn 1.91% fixed interest. 15 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

2.02%

per annum

£1,000More Info >
Earn 2.02% gross/AER fixed for 15 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

2.01%

per annum

£1,000More Info >
Earn 2.01% gross/AER fixed for 12 months. £1,000 minimum deposit, £250,000 maximum. Interest paid on maturity. No withdrawals permitted. FSCS Protected

1.86%

per annum

£500More Info >
Earn 1.86% fixed interest. 1 year term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

1.70%

per annum

£500More Info >
Earn 1.70% fixed interest. 9 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

1.55%

per annum

£500More Info >
Earn 1.55% fixed interest. 6 month term. Interest can be paid monthly or at maturity. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest RateTermApply
1.30%Instant AccessApply Now >
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.
Medium Term Fixed Rate Bonds (3-4 years)
ProviderAccountInterest RateTermApply

1.85%

per annum

£1,000Apply Now >
Earn 1.95% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. FSCS Protected
Long Term Fixed Rate Bonds (4+ years)
ProviderAccountInterest RateTermApply

2.65%

per annum

£1,000Apply Now >
Earn 2.65% 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. FSCS Protected

Compare Santander fixed rate bonds with other leading savings deals from UK savings providers. We don't currently offer any Santander fixed rate bonds, but see the table below to compare fixed rate bonds from other leading providers and apply online:


Santander fixed rate bonds might be right for you if:

  • You can afford to keep your cash locked away for at least 12 months
  • You want a competitive interest rate
  • You will not need instant access to your cash

 

But before you make your mind up about Santander fixed rate bonds, you could compare other leading fixed rate savings accounts using our simple comparison tables above. 

 

Since any type of fixed term bond involves you locking your money away for a certain period it’s important to make sure you are getting the best plan before you do so. Using the above tables you can compare different fixed rate bonds from various providers to see if you can find which one might be the best choice of plan for your needs.  

 

Although fixed rate bonds vary between plans they normally share a few common features such as:

  • The interest rate you are offered will stay consistent no matter what happens to the market in general over the course of your bond. This means you may be locked into an uncompetitive rate should rates start to rise while your money is locked away in a fixed rate bond, but at the same time could secure you a better deal if they fall over the same period.
  • You cannot make any withdrawals or additional deposits once you have set up the account
  • You cannot close the account early without incurring some form of forfeit.
  • Many bond providers will convert your bond into an instant access savings account when the term ends unless you otherwise tell them what you wish to be done with it.
  • Tend to offer higher interest rates than their instant access alternative

 

Alternatives

 

An alternative to a fixed rate bond is a tracker bond; this type of bond usually offers you an interest rate that is reflective of the base rate of interest set by the Bank of England. This means that if the base rates increases so too will the amount you earn in interest, however if it decreases so too will the rate you are offered on your bond.

 

If you would like to have your savings more readily available to withdraw then an instant access savings account might be a better option for you.

 

You might also want to consider structured deposit plans - a selection of plans is available on this site. However it is important to remember with this kind of savings option that although they tend to offer better interest rates than both bonds and instant access savers your return is not guaranteed, you may only receive back your original investment with no interest gains on it.

Fixed Rate Bond Alternatives
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 6 Year Deposit PlanInvestec Bank plcyes6 years

45%

at end of term

More Info >
  • 45% fixed return if the Index is higher
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Also available for Cash ISA & ISA Transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

6%

per annum

More Info >
  • 6% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
6 Year Defensive Deposit PlanInvestec Bank plcyes6 years

25%

at end of term

More Info >
  • 25% fixed return if the Index is higher than 75% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 3 Year Deposit PlanInvestec Bank plcyes3 years

15%

at end of term

More Info >
  • Target return of 15%
  • Capital protected
  • Low minimum - £3,000
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
Investec FTSE 100 Income Deposit Plan Investec Bank plcyes6 years

3.50%

per annum

More Info >
  • Potential annual income of 3.50%
  • Income paid if the FTSE 100 finishes above 75% of its starting value
  • Alternative monthly option also available paying potential 0.28% per month (equivalent to 3.36% pa)  
  • Capital protected
  • Medium/long term alternative to fixed rates
  • Also available for Cash ISA & ISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital

Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.