Compare Nationwide Fixed Rate Bonds

Nationwide FlexDirect Current Account

Earn 5% AER Fixed Interest for 12 Months

On balances up to £2,500
Interest paid for first 12 months
No current account fees
Easy online account management
Can be setup as an extra account

Our view: With this current account you get 5% AER on the first £2,500 of your cash which is fixed for 12 months. To qualify you will need to pay in £1,000 pm (Equates to a £12,500 pa salary) . Please note the interest rate drops to 1% after 12 months. Unusually you do not have to set up any direct debits with this account, so you can just open it as an extra account. The account has full savings FSCS protection.

Nationwide FlexDirect Account »

Account

Axis Bank 1 Year Fixed Rate Bond

Interest Rate

1.75%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly, quarterly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
Maximum deposit £200,000
No withdrawals permitted

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

1.85%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Access Bank 3 Year Fixed Rate Bond

Interest Rate

1.90%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

UK Market Leading 3 Year Fixed Rate

More Information About This Account

Interest paid on maturity
Maximum deposit £500,000
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

2.00%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

2.05%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Axis Bank 1 Year Fixed Rate Bond

Interest Rate

1.75%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly, quarterly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
Maximum deposit £200,000
No withdrawals permitted

Account

Habib Bank Zurich 1 Year Fixed Rate Bond

Interest Rate

1.65%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More Information About This Account

Interest paid at maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
Maximum deposit £1,000,000
No withdrawals permitted

Account

Access Bank 1 Year Fixed Rate Bond

Interest Rate

1.65%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More Information About This Account

Interest paid on maturity
Maximum deposit £500,000
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

1.65%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Cynergy Bank 1 Year Fixed Rate Bond

Interest Rate

1.55%
Gross/AER

Term

1 Year

Minimum Deposit

£10,000

More Information About This Account

Interest paid on maturity
Manage account online, via post or by telephone
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Habib Bank Zurich 6 Month Fixed Rate Bond

Interest Rate

0.80%
Gross/AER

Term

6 Months

Minimum Deposit

£1,000

More Information About This Account

Interest paid at maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
Maximum deposit £1,000,000
No withdrawals permitted

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

1.85%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Access Bank 2 Year Fixed Rate Bond

Interest Rate

1.80%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More Information About This Account

Interest paid on maturity
Maximum deposit £500,000
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

More information »

Account

Cynergy Bank 2 Year Fixed Rate Bond

Interest Rate

1.60%
Gross/AER

Term

2 Years

Minimum Deposit

£10,000

More Information About This Account

Interest paid annually
Manage account online, via post or by telephone
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Axis Bank 2 Year Fixed Rate Bond

Interest Rate

1.50%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly, quarterly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
Maximum deposit £200,000
No withdrawals permitted

Account

Halifax 2 Year Fixed Rate Bond

Interest Rate

0.55%
Gross/AER

Term

2 Years

Minimum Deposit

£500

More Information About This Account

Interest paid annually or monthly
Minimum deposit £500
FSCS Protected
Online,branch or phone

You have to make your initial deposit within 10 days of opening the account
No withdrawals permitted

Account

Access Bank 3 Year Fixed Rate Bond

Interest Rate

1.90%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

UK Market Leading 3 Year Fixed Rate

More Information About This Account

Interest paid on maturity
Maximum deposit £500,000
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

1.90%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Cynergy Bank 3 Year Fixed Rate Bond

Interest Rate

1.70%
Gross/AER

Term

3 Years

Minimum Deposit

£10,000

More Information About This Account

Interest paid annually
Manage account online, via post or by telephone
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Axis Bank 3 Year Fixed Rate Bond

Interest Rate

1.50%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly, quarterly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
Maximum deposit £200,000
No withdrawals permitted

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

2.05%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

2.00%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Plan Name

IDAD The Callable Deposit Plan

Potential Return

7% pa
or 2 x Index growth

Term

Maximum 7 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.

More information on this product

Plan can be ended early by Deposit Taker (Goldman Sachs International Bank)
1.75% per quarter (7% pa) if plan ends early
2 x FTSE 100 Index growth if plan runs full term
Capital protected
Maximum 7 year term
Alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 21 November 2019
Application deadline for direct and ISA applications by cheque – 28 November 2019
Application deadline for direct and ISA applications by bank transfer – 5 December 2019

If plan runs full term returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Investec FTSE 100 3 Year Deposit Plan

Maximum Potential Return

14%
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.

More information on this product

14% fixed return if the Index is higher than its Initial Level
Capital protected
3 year term
Short/medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme
Deadline for ISA transfer applications – 22 November 2019
Deadline for Direct & ISA applications – 13 December 2019

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 6 Year Deposit Plan

Maximum Potential Return

42%
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.

More information on this product

42% fixed return if the Index is higher than its Initial Level
Capital protected
6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 22 November 2019
Deadline for Direct & ISA applications – 13 December 2019

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 3 Year Defensive Deposit Plan

Maximum Potential Return

10%
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.

More information on this product

10% fixed return if the Index is higher than 90% of its Initial Level
Capital protected
3 year term
Short/medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 22 November 2019
Deadline for Direct & ISA applications – 13 December 2019

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

IDAD The FTSE Growth Deposit Plan

Potential Return

100% of the FTSE growth
capped at a maximum 30% return

Term

6 years

ISA Option

Deposit Taker: Royal Bank of Canada

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.

More information on this product

100% of the FTSE 100 Index growth after six years
Return capped at a maximum 30% of your initial investment
Capital protected
6 year term
Alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 9 October 2019
Application deadline for direct and ISA applications by cheque – 16 October 2019
Application deadline for direct and ISA applications by bank transfer – 23 October 2019

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

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.

More information on this product

Fixed return – Either 18% if the Index is above the Initial Level, or 9% if it is the same or lower than the Initial Level
Capital protected
6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 22 November 2019
Deadline for Direct & ISA applications – 13 December 2019

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE Income Deposit Plan

Potential Annual Income

2.52%
per annum

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.

More information on this product

Potential monthly income of 0.21% (equivalent to 2.52% pa)
Income paid if the FTSE 100 finishes above 75% of its starting value
Capital protected
6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 22 November 2019
Deadline for Direct & ISA applications – 13 December 2019

Income not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Nationwide Fixed Rate Bond

If you are looking for a better rate of return from your savings than a saving account, you could try one of the Nationwide fixed rate bonds.

Terms can range from 6 months to 3 years, depending on how long you want to lock your cash away for, and with tiered interest rates, the more you save, the more you earn.

Nationwide fixed rate bonds features

Minimum opening deposit of £1
Choice of terms from 6 months to 3 years
Open several bonds as long as the total does not exceed £5 million
Choice of monthly or annual interest payments
Fixed rate of payment
Option to have a joint account
To open a Nationwide fixed rate bond you need to be at least 7 years old

As opening a nationwide fixed rate bond would require you to lock away your savings for a set period of time before you do so you might want to consider alternative savings options as well.

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