Standard Life Fixed Rate Bonds

Savings Offer – Fixed Rate

Earn 1.90% AER Fixed Interest

  • MARKET LEADING 3 YEAR FIXED RATE
  • Provider – Access Bank
  • Minimum deposit – £5,000
  • Interest paid on maturity
  • Easy online account management

Our view: A market leading 3 year fixed rate. If you are not prepared to risk your capital and you want a fixed rate of return then take a closer look at this latest savings offer.

Access Bank 3 Year Fixed Rate »

Account
Axis Bank 1 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
1.85%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
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

Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
2.05%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Axis Bank 1 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Hodge Bank 18 Month Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
Habib Bank Zurich 1 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Cynergy Bank 1 Year Fixed Rate Bond
Interest Rate
1.55%
Gross/AER
Term
1 Year
Minimum Deposit
£10,000
Account
Habib Bank Zurich 6 Month Fixed Rate Bond
Interest Rate
0.80%
Gross/AER
Term
6 Months
Minimum Deposit
£1,000
Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
1.85%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Access Bank 2 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Cynergy Bank 2 Year Fixed Rate Bond
Interest Rate
1.60%
Gross/AER
Term
2 Years
Minimum Deposit
£10,000
Account
Axis Bank 2 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Halifax 2 Year Fixed Rate Bond
Interest Rate
0.55%
Gross/AER
Term
2 Years
Minimum Deposit
£500
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

Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Cynergy Bank 3 Year Fixed Rate Bond
Interest Rate
1.70%
Gross/AER
Term
3 Years
Minimum Deposit
£10,000
Account
Axis Bank 3 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
2.05%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
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.

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.

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.

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.

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.

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.

Standard Life Fixed Rate Bonds

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.

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.

Capital Protected Deposit Plan

7% pa or 2 x FTSE 100 Growth

Deposit Taker: Goldman Sachs International Bank

  • Up to 7 year term
  • 1.75% per quarter (7% pa) – if the Deposit Taker ends the plan early
  • 2 x FTSE 100 Index  growth (no cap) – if the plan runs for the full term
  • Available in ISA
More Plan Details »