Saga Fixed Rate Bonds

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Fixed Rate Bonds

Fixed Rate Cash ISAs 2020-21

Deposit Plans

High Income Investment Plans

Compare Saga Fixed Rate Bonds With The UK Savings Market

Savings Offer – 1 Year Fixed Rate

1 Year Fixed Rate

Earn 5.05% AER Fixed Interest

Provider – Hampshire Trust Bank
Low Minimum deposit – £1
Interest paid at maturity
Fixed rate for 1 year

Apply now for Hampshire Trust Bank’s 1 Year Fixed Rate »

Account

Hampshire Trust Bank 1 Year Fixed Rate Bond

Interest Rate

5.05%
Gross/AER

Term

1 Year

Minimum Deposit

£1

More info

More Information About This Account

Interest paid on maturity
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Investec 1-Year Fixed Rate Saver

Interest Rate

5.04%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid on maturity
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.75%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

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

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.60%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Hampshire Trust Bank 18 Month Fixed Rate Bond

Interest Rate

4.97%
Gross/AER

Term

18 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Aldermore Bank 18 Month Fixed Rate Bond

Interest Rate

4.55%
Gross/AER

Term

18 Months

Minimum Deposit

£1,000

More info

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

RCI Bank 2 Year Fixed Rate Bond

Interest Rate

5.00%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Hampshire Trust Bank 2 Year Fixed Rate Bond

Interest Rate

4.95%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Investec 2-Year Fixed Rate Saver

Interest Rate

4.70%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

4.35%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

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

RCI Bank 3 Year Fixed Rate Bond

Interest Rate

4.76%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Hampshire Trust Bank 3 Year Fixed Rate Bond

Interest Rate

4.70%
Gross/AER

Term

3 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Investec 3-Year Fixed Rate Saver

Interest Rate

4.45%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

4.10%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

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

Leeds Building Society 3 Year Fixed Rate Bond

Interest Rate

4.15%
Gross/AER

Term

3 Years

Minimum Deposit

£100

More info

More Information About This Account

Interest paid annually
Open online, in branch or by post
FSCS Protected

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

Account

RCI Bank 4 Year Fixed Rate Bond

Interest Rate

4.25%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

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

Hampshire Trust Bank 5 Year Fixed Rate Bond

Interest Rate

4.55%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

RCI Bank 5 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

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

Hampshire Trust Bank 1 Year Fixed Rate Bond

Interest Rate

5.05%
Gross/AER

Term

1 Year

Minimum Deposit

£1

More info

More Information About This Account

Interest paid on maturity
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Investec 1-Year Fixed Rate Saver

Interest Rate

5.04%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid on maturity
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 9 Month Fixed Rate Bond

Interest Rate

4.90%
Gross/AER

Term

9 Months

Minimum Deposit

£1,000

More info

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

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.75%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

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

Leeds Building Society 1 Year Fixed Rate Bond

Interest Rate

4.65%
Gross/AER

Term

1 Year

Minimum Deposit

£100

More info

More Information About This Account

Interest paid at maturity
Open online, in branch or by post
FSCS Protected

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

Account

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.60%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

NatWest 1 Year Fixed Term Savings Account

Interest Rate

4.45% AER
(4.36% Gross p.a.)

Term

1 Year

Minimum Deposit

£1

More info

Terms and Conditions: Offer available until 5pm on 31st July 2024 for new customers and 5th August 2024 for existing customers. Interest paid monthly and on maturity. Sole account only. Maximum deposit £5,000,000.00. Additional payments or withdrawals allowed until 3:30pm on 23/08/2024. After this date partial withdrawals are not allowed. An Early Closure Charge may apply. Must be UK resident, aged 16 or older. Offer can be withdrawn at any time. FSCS protected.

Account

Royal Bank of Scotland 1 Year Fixed Term Savings Account

Interest Rate

4.45%
AER (4.36% Gross p.a.)

Term

1 Year

Minimum Deposit

£1

More info

Terms and Conditions: Offer available until 5pm on 14th August 2024 for new customers and 19th August 2024 for existing customers. Interest paid monthly and on maturity. Sole account only. Maximum deposit £5,000,000.00.. After this date partial withdrawals are not allowed. An Early Closure Charge may apply. Must be UK resident, aged 16 or older. Offer can be withdrawn at any time. FSCS protected.

Account

Freetrade UK Treasury Bills

Interest Rate

5% +
annualised yield

Term

1 Month Rolling

Minimum Investment

£50

More info

More Information About This Account

Treasury bills, issued and backed by the UK government
Yield is set during the weekly auction process and it is then fixed for the 1 month period
Automatic reinvestments: Freetrade will automatically reinvest your UK Treasury bills at maturity to keep your earnings going. You can choose to turn this feature off, or you can reinvest a partial amount at any point after purchase
UK Treasury bills are considered low risk because they’re issued by the UK’s Debt Management Office with the backing of the UK Government. The UK government has a AA credit rating from Standard & Poor’s, indicating a very strong capacity to repay debts
‍FSCS Protection: You are protected up to £85,000 for unpaid claims against Freetrade in the unlikely event of Freetrade’s insolvency

You cannot sell or cash out of a UK treasury bill before its 1 month maturity
Rate is indicative of what you might get, based on the annualised yield to maturity. This forecast is not a reliable indicator of future performance. The rate changes at every weekly tender
Capital at risk

Account

RCI Bank 2 Year Fixed Rate Bond

Interest Rate

5.00%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Hampshire Trust Bank 2 Year Fixed Rate Bond

Interest Rate

4.95%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Hampshire Trust Bank 18 Month Fixed Rate Bond

Interest Rate

4.97%
Gross/AER

Term

18 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Investec 2-Year Fixed Rate Saver

Interest Rate

4.70%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

4.35%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

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 18 Month Fixed Rate Bond

Interest Rate

4.55%
Gross/AER

Term

18 Months

Minimum Deposit

£1,000

More info

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

Leeds Building Society 2 Year Fixed Rate Bond

Interest Rate

4.35%
Gross/AER

Term

2 Years

Minimum Deposit

£100

More info

More Information About This Account

Interest paid annually
Open online, in branch or by post
FSCS Protected

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

Account

NatWest 2 Year Fixed Term Savings Account

Interest Rate

4.10% AER
(4.02% Gross p.a.)

Term

2 Years

Minimum Deposit

£1

More info

Account

Royal Bank of Scotland 2 Year Fixed Term Savings Account

Interest Rate

4.10%
AER (4.02% Gross p.a.)

Term

2 Years

Minimum Deposit

£1

More info

Account

RCI Bank 3 Year Fixed Rate Bond

Interest Rate

4.76%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Hampshire Trust Bank 3 Year Fixed Rate Bond

Interest Rate

4.70%
Gross/AER

Term

3 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

Investec 3-Year Fixed Rate Saver

Interest Rate

4.45%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Leeds Building Society 3 Year Fixed Rate Bond

Interest Rate

4.15%
Gross/AER

Term

3 Years

Minimum Deposit

£100

More info

More Information About This Account

Interest paid annually
Open online, in branch or by post
FSCS Protected

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

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

4.10%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

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

ICICI Bank 3 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product
Interest paid on maturity
Maximum deposit £85,000
FSCS Protected

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

Account

Hampshire Trust Bank 5 Year Fixed Rate Bond

Interest Rate

4.55%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

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

Account

RCI Bank 4 Year Fixed Rate Bond

Interest Rate

4.25%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

RCI Bank 5 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

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

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

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

4.00%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

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

ICICI Bank 5 Year Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product
Interest paid on maturity
Maximum deposit £85,000
FSCS Protected

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

Plan Name

MB UK 6Y Annual Step Down to 85 Kick Out Deposit Plan Y3

Potential Return

6.2%
per annum

Term

Up to 6 years

ISA Option

More info

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.

More information on this product

6.2% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 100% to to 85% over the term
Potential to mature early, from year 3 onwards
Capital protected
Maximum 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 – 27 June 2024
Deadline for Direct & ISA applications – 16 July 2024

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £5,000
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

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return

6.35% pa
(alternative defensive option: 5.8%)

Term

Up to 6 years

ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

More information on this product

6.35% for each year if the FTSE 100 finishes at or above its starting value
Opportunity to mature at years 4, 5, or 6
Capital protected
Alternative option also available returning a potential 5.8% pa if the FTSE is above 95% of initial level respectively, on a kick out date
Maximum 6 year term
Medium/long term alternative to fixed rates
Covered by the FSCS (Financial Services Compensation Scheme)
Available for Cash ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 24 July 2024
Deadline for Direct & ISA applications – 9 August 2024

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000, or £5,000 if applying online
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Features of Saga fixed rate bonds include:

1 and 2 year terms available
Earn a fixed interest rate across the whole term, so you always know how much interest you will earn
You can choose to receive yearly interest or monthly interest, to suit your requirements..
No additional deposits are permitted during the term of the plan
The Saga Fixed Rate Savings Accounts are available only to UK residents aged 50 and over
At the end of the 3 year term, Saga will reinvest your funds into a variable rate easy access savings account, unless instructed otherwise
Invest any amount from £1 to £10 million, you can invest up to £20million in a joint account
Withdrawals are allowed by post on terms of 2 years and above subject to a charge and notice period , both of which will vary depending on the length of time the plan has been in place

Before you decide you could compare the features of the Saga fixed rate bond against other leading fixed rate savings products using the free comparison table above.

Savings News

2nd
Oct

Saga Fixed Rate Bonds

Compare UK Fixed Rate Savings Deals

Compare Saga Fixed Rate Bonds With The UK Savings Market

Savings Offer – 1 Year Fixed Rate

1 Year Fixed Rate

Earn 5.05% AER Fixed Interest

Savings & Investment Offers

Deposit Taker: Barclays Bank plc

Deposit Taker: Goldman Sachs International Bank

Features of Saga fixed rate bonds include:

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