Halifax Fixed Rate Bonds

Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
1.15%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
0.90%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Halifax 2 Year Fixed Rate Bond
Interest Rate
0.40%
Gross/AER
Term
2 Years
Minimum Deposit
£500
Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
1.15%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Shawbrook Bank 18 Month Fixed Rate Bond
Interest Rate
1.20%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
Shawbrook Bank 2 Year Fixed Rate Bond
Interest Rate
1.25%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
1.30%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
1.35%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
1.40%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
1.15%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Shawbrook Bank 18 Month Fixed Rate Bond
Interest Rate
1.20%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
Hodge Bank 18 Month Fixed Rate Bond
Interest Rate
1.15%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
0.90%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Habib Bank Zurich 1 Year Fixed Rate Bond
Interest Rate
1.05%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Habib Bank Zurich 6 Month Fixed Rate Bond
Interest Rate
0.80%
Gross/AER
Term
6 Months
Minimum Deposit
£1,000
Account
Shawbrook Bank 2 Year Fixed Rate Bond
Interest Rate
1.25%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Access Bank 2 Year Fixed Rate Bond
Interest Rate
1.25%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
1.15%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Halifax 2 Year Fixed Rate Bond
Interest Rate
0.40%
Gross/AER
Term
2 Years
Minimum Deposit
£500
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
1.30%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Shawbrook Bank 3 Year Fixed Rate Bond
Interest Rate
1.30%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Access Bank 3 Year Fixed Rate Bond
Interest Rate
1.30%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
1.40%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Shawbrook Bank 7 Year Fixed Rate Bond
Interest Rate
1.45%
Gross/AER
Term
7 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
1.35%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Shawbrook Bank 5 Year Fixed Rate Bond
Interest Rate
1.35%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Plan Name

IDAD The Callable Deposit Plan 

Potential Return
10% pa
or 2 x Index growth
Term
Maximum 8 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

Investec FTSE 100 3 Year Deposit Plan

Maximum Potential Return
10.5%
at end of term
Term
3 years
ISA Option

Deposit Taker: Investec 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

Investec FTSE 100 6 Year Deposit Plan

Maximum Potential Return
30%
at end of term
Term
6 years
ISA Option

Deposit Taker: Investec 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

Investec FTSE 100 3 Year Defensive Deposit Plan

Maximum Potential Return
8.1%
at end of term
Term
3 years
ISA Option

Deposit Taker: Investec 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

Investec FTSE 100 6 Year Defensive Deposit Plan

Fixed Return
18%
if FTSE higher, 9% if lower
Term
6 years
ISA Option

Deposit Taker: Investec 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.

Halifax Fixed Rate Bonds Review

Benefits of fixed rate bonds include:

  • Competitive interest rates in return for keeping your cash locked away
  • A variety of terms to choose from
  • Online access offered by most providers

Fixed rate bonds are a way you can lock away some of your savings into an account that will accumulate interest. Halifax currently offers a fixed term fixed rate bond.

Fixed Saver key facts:

  • Available for 1 or 3 year terms
  • Interest paid monthly. Interest will be paid net of your income tax unless you register your account to receive gross interest
  • Opening balance must be £500 or more
  • Must be aged 16 years or over
  • At the end of the fixed term your account will automatically transfer to an Instant Saver account

As the Halifax Fixed Rate Saver is fixed term bond no withdrawals are allowed once you create the account.



Early closure is permitted but if you do close your account early you will lose an amount equivalent to: 1 year term – 90 days’ gross interest or 3 year term – 270 days’ gross interest. Meaning you may get back less than you opened the account with. No additional deposits are allowed either.

Before you choose the deal for you, compare fixed rate bonds side by side in our table. Compare Halifax fixed rate bonds with other deals in the market – make sure that when you lock your money away for a fixed period you are comfortable with not having access for the term duration.

Generally speaking the longer you are prepared to lock your money away in a fixed rate bond the better the level of interest paid. As with all savings accounts you should compare deals from a range of providers before committing to one.

As well as fixed rate bonds there are a number of alternative saving options which you should consider such as structured deposit plans – a selection of plans are available on this site.

Capital Protected Deposit Plan

Potential 10% pa if plan called early by deposit taker

Deposit Taker: Goldman Sachs International

  • Maximum 8 year term
  • If plan runs full term then you receive 2 x FTSE 100 growth over period
  • Original capital back no matter how well the FTSE 100 Index performs
  • Available in ISA
More Plan Details »

Santander 123 Current Account

Earn 1.00% AER Fixed Interest for up to £20,000

  • 1.00% AER (variable) payable on your entire balance up to £20,000
  • Up to 3% cashback on household bills
  • Must pay a minimum of £500 into the account each month
  • Monthly fee of £5
  • Mobile app

Our view: With this current account you get 1.00% AER on the first £20,000 of your cash. To qualify you will need to pay in £500 pm (Equates to a £6,000 pa salary) . Additionally you can gain up to 3% cashback on household bills – 1% on water, council tax bills and Santander mortgage payments, 2% on gas and electricity bills, and 3% on mobile phone, home phone, broadband and paid-for TV packages.  The account has full savings FSCS protection.

Santander 123 Account »