1 Year Fixed Rate Bonds

Account
Investec Bank 1 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Paragon Bank 2 Year Fixed Rate Bond
Interest Rate
2.55%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Access Bank 3 Year Fixed Rate Bond
Interest Rate
2.65%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
2.40%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
2.45%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Investec Bank 1 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Paragon Bank 1 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
FCMB 1 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Charter Savings Bank 1 Year Fixed Rate Bond
Interest Rate
2.24%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
2.15%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Brown Shipley 1 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Union Bank 1 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
QIB UK Bank 1 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
ICICI Bank 1 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Zenith Bank 1 Year Fixed Rate Bond
Interest Rate
1.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
1.35%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
IS Bank 1 Year Fixed Rate Bond
Interest Rate
1.15%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Nationwide 1 Year Fixed Rate Online Bond
Interest Rate
1.10%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Nationwide 1 Year Triple Access Online Saver
Interest Rate
1.00%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Paragon Bank 2 Year Fixed Rate Bond
Interest Rate
2.55%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Access Bank 2 Year Fixed Rate Bond
Interest Rate
2.50%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Paragon Bank 18 Month Fixed Rate Bond
Interest Rate
2.40%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
QIB UK Bank 2 Year Fixed Rate Bond
Interest Rate
2.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 18 Month Fixed Rate Bond
Interest Rate
2.30%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
FCMB 2 Year Fixed Rate Bond
Interest Rate
2.20%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
FCMB 18 Month Fixed Rate Bond
Interest Rate
2.10%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
ICICI Bank 2 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Zenith Bank 2 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
1.70%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
UBL 2 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
1.40%
Gross/AER
Term
18 Months
Minimum Deposit
£1
Account
Nationwide 2 Year Fixed Rate Online Bond
Interest Rate
1.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
IS Bank 2 Year Fixed Rate Bond
Interest Rate
1.30%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Access Bank 3 Year Fixed Rate Bond
Interest Rate
2.65%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
2.35%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
FCMB 3 Year Fixed Rate Bond
Interest Rate
2.30%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 3 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Zenith Bank 3 Year Fixed Rate Bond
Interest Rate
2.10%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Leeds Building Society 30 Month Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
30 Months
Minimum Deposit
£1,000
Account
Nationwide 3 Year Fixed Rate Online Bond
Interest Rate
2.00%
Gross/AER
Term
3 Years
Minimum Deposit
£1
Account
ICICI Bank 3 Year Fixed Rate Bond
Interest Rate
1.95%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Leeds Building Society 3 Year Fixed Rate Bond
Interest Rate
1.85%
Gross/AER
Term
3 Years
Minimum Deposit
£100
Account
UBL 3 Year Fixed Rate Bond
Interest Rate
1.85%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
3 Years
Minimum Deposit
£1
Account
IS Bank 3 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
2.45%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
2.40%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
UBL 5 Year Fixed Rate Bond
Interest Rate
2.30%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
UBL 4 Year Fixed Rate Bond
Interest Rate
2.30%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 5 Year Fixed Rate Bond
Interest Rate
2.25%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Nationwide 5 Year Fixed Rate Online Bond
Interest Rate
2.10%
Gross/AER
Term
5 Years
Minimum Deposit
£1
Account
Bank of Ceylon 5 Year Fixed Rate Bond
Interest Rate
2.05%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Leeds Building Society 5 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
5 Years
Minimum Deposit
£100
Account
ICICI Bank 5 Year Fixed Rate Bond
Interest Rate
1.95%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
IS Bank 5 Year Fixed Rate Bond
Interest Rate
1.58%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
IS Bank 4 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Plan Name

IDAD The Callable Deposit Plan 

Potential Return
6% pa
or 2 x Index growth
Term
Maximum 6 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan 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 plan is not held for the full term.

Plan Name

MB UK 6Y Growth Deposit Plan

Potential Return
31%
at end of term
Term
6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan 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 plan is not held for the full term.

Plan Name

MB UK 6Y Kick Out Deposit Plan

Potential Return
4.5%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan 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 plan is not held for the full term.

Plan Name

MB UK Growth Deposit Plan

Potential Return
12%
at end of term
Term
3 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan 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 plan is not held for the full term.

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
3.6%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan 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 plan is not held for the full term.

A 1 year fixed rate bond is a form of savings account which offer you a guaranteed interest payment over the fixed period of 12 months.

Advantages

  • The interest rate offered is guaranteed for 1 year. This is unlike instant access savings accounts where the interest rate can go down or up at short notice.
  • Different banks and building societies will have different views on short, medium to long term interest rates. If interest rates rise more slowly than expected a fixed rate bond may give you a better return than what you could expect from an instant access account.
  • Some fixed rate bonds provide flexibility e.g. 1 withdrawal over the term.
  • Fixed rate bonds range from 2 months to 5 years in duration so you can choose a term that suits your circumstances
  • Many fixed rate bond providers offer online access so you can see how much interest you are earning.

Disadvantages

  • The benefit of enjoying a higher rate of interest must be weighed against tying up your capital for a fixed term. If you need access to your capital before maturity this may not be possible and if it is there may be interest penalties.
  • If interest rates rise over the term of the investment you may find the interest rate on your capital is no longer competitive compared to new offerings in the market.
  • Many fixed rate bond providers require a high minimum deposit e.g. £5,000