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Standard Life Fixed Rate Bonds

Compare Standard Life Savings With The Market

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.


Instant AccessMore Info >
Earn 1.22% 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


per annum

£5,000More Info >
Earn 2.05% gross/AER fixed for 1 year. Save from £5,000. No withdrawals during the term. FSCS Protected


per annum

£5,000More Info >
Earn 2.25% gross/AER fixed for 2 years. Save from £5,000. No withdrawals during the term. FSCS Protected


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


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


per annum

£1,000More Info >
Earn 2.67% 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.
Latest Current Account Deals
 AccountInterest (AER)Overdraft RateFunding Required*Fee pmFeaturesApply
5.0%*0% for 12 months£1,000 per monthN/A5.0% IN-CREDIT INTEREST on balances up to £2,500 for the first year.More Info >
3.0%*0% for first £250No minimum £133.0% INTEREST on balances up to £2,500More Info >
1.50%*Up to £3 per day£500 per month£5 pm*1.50% AER (variable) on your entire balance up to £20,000. Up to 3% cashback on household bills.More Info >
N/A0% for first 3 monthsNo minimum N/A3 months interest-free overdraft and no monthly account feeMore Info >
N/A0% for first £250No minimumFree if funding £1,000 or £10 below £1,000Switch your current account and you'll get a free gift worth up to £150. £250 interest free overdraft. Free banking if paying over £1,000 per month. Satisfaction guarantee - £100 if you leave within 6 monthsMore Info >
Latest ISA Deals
ProviderAccountISA TransfersProtection schemeFund choiceInvest From:More info


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.

If you’re looking to tie away some capital in an investment for a predefined term you may want know if a standard life fixed rate bond is the right choice. Standard life fixed term bonds are not currently available, although they do have some ISAs currently available; if you want to find out more about fixed rate bonds there are a range of other providers who might be able to offer you a product. You can use the tables below to compare fixed rate bonds and some other investment plans from a variety of different providers.

Although standard life fixed rate bonds are not currently available you may want to find out about other options are availabe. Fixed rate bonds like most financial products vary between plans but they generally share some 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 can work out how much you will get in return from your investment at the end of its course.
  • You cannot make any withdrawals or early closures once you have set up the account, some plans may allow you to do so but you may also incur a penalty such as a loss of a certain amount of days worth of interest for doing so. If you feel you would need to make an early closure or withdrawal you might want to consider other plans.
  • You cannot make additional deposits over the bonds term.
  • 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


As a fixed rate bond requires you to lock away your savings for a set amount of time, you may want to first also consider other options before you do so to ensure the plan you take out is best suited to your specific requirements.


Alternative investment plans include:


Tracker Bonds

A tracker bond also requires you to lock your investment into the plan for a set period of time, however instead of the interest rate staying the same over the entire course it will fluctuate up and down in relation to changes made to the Bank of England’s Base Rate. This mean if the bank of England raises their base rate you will earn more on the bond, at the same time if they lower it you will receive a lower rate of interest and earn less on your investment as a result. as the rate can change you cannot predict how much you will receive at the end of the bond’s term like you can with a fixed rate option.


Structured Deposits

A structured deposit also requires you to lock up your funds for a predefined period of time. However by taking one out you risk only getting your original investment back without an interest payment; this is because the interest payment on a structured deposit is dependent on the performance of the index or indices the savings plan is tied to. If the criteria set out in the terms and conditions of the structured deposit is met then you will receive interest on your investment at a better rate than bonds or instant access saving accounts usually offer. However if the index does not perform in this way there will be no interest payment. Due to this risk you should carefully consider if this type of plan is suitable for your requirements.


Instant access savers

Although they usually offer lower interest rates than savings bonds many instant access savings plans allow you to make unlimited withdrawals for free should you ever need to.