Fixed rate savings
103 fixed rate accounts in order of rate and nothing else.
Last checked
6 months
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 Al Rayan Bank6 Month Fixed Term Deposit (Prosper boosted), through Prosper | No access for 6 months, and the 0.38% Prosper boost is paid a week after it ends. New Prosper customers only, app only, minimum £10,000. | Checked | moneysavingexpert.com | 4.70% |
 GB Bank6 Month Fixed Rate Bond | No withdrawals or closing early for 6 months. Minimum £1,000. | Checked | gbbank.co.uk | 4.67% |
 ZopaSmart Saver 6 Month Fixed Term pot | No withdrawals or closing early for 6 months. Opened in the app, with 30 days to pay in. | Checked | zopa.com | 4.65% |
 Chetwood Bank6 Month Fixed Rate Savings Account | No withdrawals or closing early for 6 months. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 4.60% |
 Cynergy Bank6 Month Fixed Rate Bond | No withdrawals or closing early for 6 months. Minimum £1,000, and 14 days to pay in. | Checked | cynergybank.co.uk | 4.57% |
 Atom Bank6 Month Fixed Saver | No withdrawals or closing early for 6 months, except in hardship. App only, minimum £50, and one week to pay in. | Checked | atombank.co.uk | 4.55% |
 Monument Bank6 Month Fixed Term Deposit | No withdrawals or closing early for 6 months. Opened in the app, minimum £25,000. | Checked | depositscout.com | 3.75% |
9 months
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Chetwood Bank9 Month Fixed Rate Savings Account | No withdrawals or closing early for 9 months. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 4.75% |
 Aldermore9 Month Fixed Rate Account | No withdrawals or closing early for 9 months. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 4.57% |
1 year
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 Isbank1 Year Fixed Term Deposit, through Meteor Savings | No withdrawals or closing early for a year. Online through Meteor, minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.21% |
 Morgan Stanley1 Year Fixed Term Deposit, through Raisin UK | No withdrawals or closing early for a year. Through Raisin UK, minimum £1,000. | Checked | raisin.com | 5.20% |
 OakNorth BankFixed Term Savings Account 12 months | No withdrawals or closing early for a year. | Checked | moneysavingexpert.com | 5.16% |
 Ziraat Bank1 Year Fixed Term Deposit, through Raisin UK | No withdrawals or closing early for a year. Through Raisin UK. | Checked | raisin.com | 5.16% |
 Vida Savings1 Year Fixed Rate Bond | No withdrawals or closing early for a year. Minimum £1,000. | Checked | vidabank.co.uk | 5.15% |
| GB Bank1 Year Fixed Rate Bond | No withdrawals or closing early for a year. Minimum £1,000. | Checked | gbbank.co.uk | 5.14% |
| Chetwood Bank1 Year Fixed Rate Savings Account | No withdrawals or closing early for a year. Minimum £1,000. | Checked | depositscout.com | 5.13% |
 Investec1-Year Fixed Rate Saver | No withdrawals or closing early for a year. Minimum £5,000. | Checked | depositscout.com | 5.10% |
 MBNAFixed Saver 1 Year | No withdrawals or closing early for a year. Opened online and managed by phone, minimum £1,000. | Checked | moneysavingexpert.com | 5.10% |
 Ford MoneyFixed Saver 1 Year | No withdrawals or closing early for a year. | Checked | fordmoney.co.uk | 5.07% |
| Cynergy Bank1 Year Fixed Rate Bond | No withdrawals or closing early for a year. Minimum £1,000, and 14 days to pay in. | Checked | cynergybank.co.uk | 5.05% |
 Hodge Bank1 Year Fixed Rate Bond | No withdrawals or closing early for a year. Minimum £1,000. | Checked | depositscout.com | 5.01% |
 NS&IGuaranteed Growth Bond 1 Year (Issue 93) | No access for a year, apart from a 30-day right to cancel. All the interest is taxed in the year it ends, minimum £500. | Checked | nsandi.com | 4.99% |
| NS&IGuaranteed Income Bond 1 Year (Issue 93) | No access for a year, minimum £500. Income is paid monthly to your bank and taxed in the year you receive it. | Checked | nsandi.com | 4.99% |
| Atom Bank1 Year Fixed Saver | No withdrawals or closing early for a year, except in hardship. App only, minimum £50. | Checked | atombank.co.uk | 4.90% |
 Secure Trust Bank1 Year Fixed Rate Bond (to 16 Dec 2027) | Runs until 16 December 2027 with no withdrawals or closing early. Minimum £1,000. | Checked | securetrustbank.com | 4.90% |
| ZopaSmart Saver 1 Year Fixed Term pot | No withdrawals or closing early for a year. Opened in the app. | Checked | zopa.com | 4.90% |
| Aldermore1 Year Fixed Rate Account | No withdrawals or closing early for a year. Minimum £1,000. | Checked | depositscout.com | 4.88% |
 Charter Savings Bank1 Year Fixed Rate Bond | No withdrawals or closing early for a year. | Checked | chartersavingsbank.co.uk | 4.85% |
 RCI Bank UK1 Year Fixed Term Savings Account | No withdrawals or closing early for a year. Minimum £1,000, and you can top up for the first 14 days. | Checked | rcibank.co.uk | 4.80% |
 Shawbrook Bank1 Year Fixed Rate Bond | No withdrawals or closing early for a year. Minimum £1,000, and new customers with £10,000 or more get 4.87%. | Checked | shawbrook.co.uk | 4.78% |
 Marcus by Goldman Sachs1 Year Fixed Term Saver | No withdrawals or closing early for a year. | Checked | depositscout.com | 4.75% |
| Paragon Bank1 Year Fixed Rate Savings Account | No withdrawals or closing early for a year. | Checked | depositscout.com | 4.40% |
 Barclays1-Year Fixed-Rate Bond | No withdrawals or closing early for a year. Minimum £500. | Checked | barclays.co.uk | 4.25% |
| Starling1-Year Fixed Saver | You need a Starling account. No withdrawals or closing early. Minimum £2,000. | Checked | depositscout.com | 4.20% |
 LloydsOnline Fixed Bond 1 Year | No withdrawals or closing early for a year. Minimum £500. | Checked | depositscout.com | 4.00% |
| Monument Bank12 Month Fixed Term Deposit | No withdrawals or closing early for a year. Opened in the app, minimum £25,000. | Checked | depositscout.com | 4.00% |
18 months
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Isbank18 Month Fixed Term Deposit, through Meteor Savings | No withdrawals or closing early for 18 months. Through Meteor, minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.15% |
 Union Bank of India (UK)Fixed Rate Deposit 18 Months | No withdrawals or closing early for 18 months. | Checked | moneyfactscompare.co.uk | 5.12% |
 Tandem Bank18 Month Fixed Saver | No withdrawals or closing early for 18 months. Opened in the app, with 14 days to pay in. | Checked | moneyfactscompare.co.uk | 5.06% |
| FirstSave18 Month Fixed Rate Bond | No withdrawals or closing early for 18 months. | Checked | moneyfactscompare.co.uk | 5.05% |
| Kent Reliance18 Month Fixed Rate Bond Issue 10 | No withdrawals or closing early for 18 months. | Checked | moneyfactscompare.co.uk | 5.02% |
 Hampshire Trust Bank18 Month Online Fixed Saver (Issue 40) | No withdrawals or closing early for 18 months. | Checked | moneyfactscompare.co.uk | 4.95% |
 Close Brothers Savings18 Month Fixed Term Deposit, through HL Active Savings | No withdrawals or closing early for 18 months. Held through HL Active Savings. | Checked | moneyfactscompare.co.uk | 4.94% |
| Aldermore18 Month Fixed Rate Account | No withdrawals or closing early for 18 months. Minimum £1,000. | Checked | depositscout.com | 4.93% |
| Secure Trust Bank18 Month Fixed Rate Bond | No withdrawals or closing early for 18 months. | Checked | securetrustbank.com | 4.90% |
| Cynergy Bank18 Month Fixed Rate Bond | No withdrawals or closing early for 18 months. Minimum £1,000. | Checked | cynergybank.co.uk | 4.40% |
2 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 Afin Bank2-Year Fixed Term Account (Issue 12) | No withdrawals or closing early for 2 years. App only, minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.30% |
| Morgan Stanley2 Year Fixed Term Deposit, through Raisin UK | No withdrawals or closing early for 2 years. Through Raisin UK, minimum £1,000. | Checked | raisin.com | 5.30% |
| RCI Bank UK2 Year Fixed Term Savings Account | No withdrawals or closing early for 2 years. Minimum £1,000, and you can top up for the first 14 days. | Checked | rcibank.co.uk | 5.30% |
| GB Bank2 Year Fixed Rate Bond | No withdrawals or closing early for 2 years. Minimum £1,000. | Checked | gbbank.co.uk | 5.28% |
| Vida Savings2 Year Fixed Rate Bond | No withdrawals or closing early for 2 years. Minimum £1,000. | Checked | vidabank.co.uk | 5.26% |
| Chetwood Bank2 Year Fixed Rate Savings Account | No withdrawals or closing early for 2 years. Minimum £1,000. | Checked | depositscout.com | 5.25% |
 Oxbury BankPersonal 2 Year Bond Account (Issue 32) | No withdrawals or closing early for 2 years. Minimum £1,000. | Checked | oxbury.com | 5.21% |
| Investec2-Year Fixed Rate Saver | No withdrawals or closing early for 2 years. Minimum £5,000. | Checked | depositscout.com | 5.16% |
| Ford MoneyFixed Saver 2 Year | No withdrawals or closing early for 2 years. | Checked | fordmoney.co.uk | 5.11% |
| Atom Bank2 Year Fixed Saver | No withdrawals or closing early for 2 years. App only, minimum £50. | Checked | atombank.co.uk | 5.10% |
| NS&IGuaranteed Growth Bond 2 Year (Issue 81) | No access for 2 years, minimum £500. Interest is added each year but taxed in the year it ends. | Checked | nsandi.com | 5.07% |
| NS&IGuaranteed Income Bond 2 Year (Issue 81) | No access for 2 years, minimum £500. | Checked | nsandi.com | 5.07% |
| Aldermore2 Year Fixed Rate Account | No withdrawals or closing early for 2 years. Minimum £1,000. | Checked | depositscout.com | 5.00% |
| Secure Trust Bank2 Year Fixed Rate Bond (to 14 Dec 2028) | Runs until 14 December 2028 with no withdrawals or closing early. Minimum £1,000. | Checked | securetrustbank.com | 5.00% |
| Shawbrook Bank2 Year Fixed Rate Bond | No withdrawals or closing early for 2 years. Minimum £1,000, and new customers with £10,000 or more get 4.96%. | Checked | shawbrook.co.uk | 4.85% |
| Paragon Bank2 Year Fixed Rate Savings Account | No withdrawals or closing early for 2 years. Minimum £500. | Checked | depositscout.com | 4.80% |
| ZopaSmart Saver 2 Year Fixed Term pot | No withdrawals or closing early for 2 years. Opened in the app. | Checked | zopa.com | 4.72% |
| BarclaysSingle Access 2-Year Flexible Bond | Only one withdrawal allowed during the 2 years. | Checked | barclays.co.uk | 4.50% |
| Cynergy Bank2 Year Fixed Rate Bond | No withdrawals or closing early for 2 years. Minimum £1,000. | Checked | cynergybank.co.uk | 4.20% |
30 months
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 Nationwide30 Month Member Exclusive Online Bond | Only for existing Nationwide current account customers, and holds up to £10,000. No withdrawals or closing early for 30 months. | Checked | moneysavingexpert.com | 5.30% |
3 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Morgan Stanley3 Year Fixed Term Deposit, through Raisin UK | No withdrawals or closing early for 3 years. Through Raisin UK, minimum £1,000. | Checked | raisin.com | 5.30% |
| Afin Bank3-Year Fixed Term Account (Issue 5) | No withdrawals or closing early for 3 years. App only, minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.28% |
| GB Bank3 Year Fixed Rate Bond | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | gbbank.co.uk | 5.28% |
 Melton Building SocietyFixed Rate Issue 35 (to 18 Dec 2029) | Runs until 18 December 2029 with no withdrawals or closing early. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.27% |
| Vida Savings3 Year Fixed Rate Bond | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | vidabank.co.uk | 5.27% |
| Chetwood Bank3 Year Fixed Rate Savings Account | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | depositscout.com | 5.25% |
| Aldermore3 Year Fixed Rate Account | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | depositscout.com | 5.21% |
| Investec3-Year Fixed Rate Saver | No withdrawals or closing early for 3 years. Minimum £5,000. | Checked | depositscout.com | 5.20% |
| RCI Bank UK3 Year Fixed Term Savings Account | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | rcibank.co.uk | 5.20% |
| Ford MoneyFixed Saver 3 Year | No withdrawals or closing early for 3 years. | Checked | fordmoney.co.uk | 5.15% |
 MonzoFixed Rate Savings Pot 3 Year | You need a Monzo current account. Locked for 3 years. Minimum £500. | Checked | monzo.com | 5.15% |
| Atom Bank3 Year Fixed Saver | No withdrawals or closing early for 3 years. App only, minimum £50. | Checked | atombank.co.uk | 5.10% |
| NS&IGuaranteed Growth Bond 3 Year (Issue 83) | No access for 3 years, minimum £500. Interest is taxed in the year it ends. | Checked | nsandi.com | 5.10% |
| NS&IGuaranteed Income Bond 3 Year (Issue 83) | No access for 3 years, minimum £500. | Checked | nsandi.com | 5.10% |
| Secure Trust Bank3 Year Fixed Rate Bond (to 14 Dec 2029) | Runs until 14 December 2029 with no withdrawals or closing early. Minimum £1,000. | Checked | securetrustbank.com | 5.00% |
| Paragon Bank3 Year Fixed Rate Savings Account | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | depositscout.com | 4.85% |
| ZopaSmart Saver 3 Year Fixed Term pot | No withdrawals or closing early for 3 years. Opened in the app. | Checked | zopa.com | 4.75% |
| Cynergy Bank3 Year Fixed Rate Bond | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | cynergybank.co.uk | 4.20% |
| Shawbrook Bank3 Year Fixed Rate Bond | No withdrawals or closing early for 3 years. Minimum £1,000. | Checked | shawbrook.co.uk | 3.90% |
5 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Afin Bank5-Year Fixed Term Account (Issue 15) | No withdrawals or closing early for 5 years. App only, minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.40% |
| Chetwood Bank5 Year Fixed Rate Savings Account | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.36% |
| Close Brothers Savings5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. | Checked | moneyfactscompare.co.uk | 5.35% |
 DF Capital5 Year Fixed Rate Deposit (Issue 9) | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.35% |
| GB Bank5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | gbbank.co.uk | 5.35% |
 Vanquis Bank5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | moneyfactscompare.co.uk | 5.35% |
| Oxbury BankPersonal 5 Year Bond Account (Issue 16) | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | oxbury.com | 5.34% |
| RCI Bank UK5 Year Fixed Term Savings Account | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | rcibank.co.uk | 5.30% |
| Vida Savings5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | vidabank.co.uk | 5.28% |
| Aldermore5 Year Fixed Rate Account | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | depositscout.com | 5.25% |
| Shawbrook Bank5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | shawbrook.co.uk | 5.25% |
| Atom Bank5 Year Fixed Saver | No withdrawals or closing early for 5 years. App only, minimum £50. | Checked | atombank.co.uk | 5.20% |
| NS&IGuaranteed Growth Bond 5 Year (Issue 75) | No access for 5 years, minimum £500. Interest is taxed in the year it ends. | Checked | nsandi.com | 5.17% |
| NS&IGuaranteed Income Bond 5 Year (Issue 75) | No access for 5 years, minimum £500. | Checked | nsandi.com | 5.17% |
| Secure Trust Bank5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | securetrustbank.com | 5.00% |
| Paragon Bank5 Year Fixed Rate Savings Account | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | depositscout.com | 4.85% |
| ZopaSmart Saver 5 Year Fixed Term pot | No withdrawals or closing early for 5 years. Opened in the app. | Checked | zopa.com | 4.80% |
| Cynergy Bank5 Year Fixed Rate Bond | No withdrawals or closing early for 5 years. Minimum £1,000. | Checked | cynergybank.co.uk | 4.30% |
How these rates are checked
Every rate comes from the page linked beside it, and we read those pages each day. A rate we can’t confirm is left off, and so is one we haven’t confirmed in the last 14 days.
The order is by rate and nothing else. Accounts that pay the same rate are listed by name.