Compare Fixed Term savings accounts
with Money Expert

Compare the most effective Cash ISA Savings Accounts with Money Expert

Compare the best
Fixed Term Savings Accounts with Money Expert

United Trust Bank Ltd - 5 Year Personal Deposit Bond
Notice Required

Paid Interest

annually

Gross Rate

2.6%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

United Trust Bank Ltd - 3 Year Personal Deposit Bond
Notice Required

Paid Interest

annually

Gross Rate

2.4%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Shawbrook Bank - 7 Year Fixed Rate Bond - Issue 4
Notice Required

Paid Interest

annually

Gross Rate

2.4%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Shawbrook Bank - 7 Year Fixed Rate Bond - Issue 4 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.4%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Shawbrook Bank - 5 Year Fixed Rate Bond - Issue 31 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2.35%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Shawbrook Bank - 3 Year Fixed Rate Bond - Issue 48
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Tipton & Coseley - Fixed Rate Regular Saver
Notice Required

Paid Interest

annually

Gross Rate

2.01%

Minimum Deposit

£10

Maximum Deposit

£6,000

Dudley Building Society - Loyalty Regular Saver Ex/C
Notice Required

Paid Interest

maturity

Gross Rate

2%

Minimum Deposit

£100

Maximum Deposit

£7,200

Skipton Building Society - 5 Year e-Bond Issue 108
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 108
Notice Required

Paid Interest

annually

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year e-Bond Issue 108 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 108 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Shawbrook Bank - 3 Year Fixed Rate Bond - Issue 48 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

2%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Post Office Money - 3 Year Online Bond Issue 62 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.91%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 108
Notice Required

Paid Interest

annually

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year e-Bond Issue 108
Notice Required

Paid Interest

annually

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Post Office Money - 3 Year Online Bond Issue 62 Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.91%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Skipton Building Society - 5 Year e-Bond Issue 108 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Skipton Building Society - 5 Year Fixed Rate Bond Issue 108 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.9%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Shawbrook Bank - 2 Year Fixed Rate Bond - Issue 60 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.85%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Post Office Money - 2 Year Online Bond Issue 62 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.81%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Sainsburys Bank - 5 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.8%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 5 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.8%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Newcastle Building Society - Three Year Fixed Rate Bond (Issue 13)
Notice Required

Paid Interest

annually

Gross Rate

1.8%

Minimum Deposit

£500

Maximum Deposit

£250,000

Newcastle Building Society - Three Year Fixed Rate Bond (Issue 13) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.8%

Minimum Deposit

£500

Maximum Deposit

£250,000

Post Office Money - 2 Year Online Bond Issue 62 Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.81%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Leek United - Flexible Saver Account
Notice Required

Paid Interest

annually

Gross Rate

1.75%

Minimum Deposit

£25

Maximum Deposit

£12,000

West Bromwich Building Society - 3 Year Fixed Rate Bond
Notice Required

Paid Interest

maturity

Gross Rate

1.75%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

West Bromwich Building Society - 3 Year Fixed Rate Bond Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.75%

Minimum Deposit

£1,000

Maximum Deposit

£1,000,000

Post Office Money - 1 Year Online Bond Issue 62 Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.71%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Sainsburys Bank - 4 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.7%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 4 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.7%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Post Office Money - 1 Year Online Bond Issue 62 Ex/C Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.71%

Minimum Deposit

£500

Maximum Deposit

£2,000,000

Sainsburys Bank - 3 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 3 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.65%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Cambridge Building Society - 2 Year Fixed Rate e-Bond (Issue 14)
Notice Required

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£5,000

Maximum Deposit

£2,000,000

Cambridge Building Society - 2 Year Fixed Rate Bond (Issue 90)
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.65%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Shawbrook Bank - 1 Year Fixed Rate Bond - Issue 62 Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.65%

Minimum Deposit

£1,000

Maximum Deposit

£2,000,000

Market Harborough Building Society - Fixed Term Bond 81 (31.03.2022)
Notice Required

Paid Interest

annually

Gross Rate

1.55%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Sainsburys Bank - 2 Year Fixed Rate Saver
Notice Required

Paid Interest

annually

Gross Rate

1.55%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Sainsburys Bank - 2 Year Fixed Rate Saver Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.55%

Minimum Deposit

£5,000

Maximum Deposit

£1,000,000

Allied Irish Bank (GB) - Savings Direct 2 Year Fixed Rate Bond Ex/C
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.5%

Minimum Deposit

£5,000

Maximum Deposit

£2,000,000

Britannia - 3 Year Fixed Rate Bond (Issue 92) Ex/C
Notice Required

3 years

Paid Interest

annually

Gross Rate

1.46%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Monmouthshire Building Society - 2 Year Fixed Rate Bond - Issue 18
Notice Required

Paid Interest

annually

Gross Rate

1.45%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Newcastle Building Society - One Year Fixed Rate Bond (Issue 29)
Notice Required

Paid Interest

annually

Gross Rate

1.45%

Minimum Deposit

£500

Maximum Deposit

£250,000

Newcastle Building Society - One Year Fixed Rate Bond (Issue 29) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.45%

Minimum Deposit

£500

Maximum Deposit

£250,000

Britannia - 3 Year Fixed Rate Bond (Issue 92) Ex/C Monthly
Notice Required

3 years

Paid Interest

monthly

Gross Rate

1.43%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Britannia - 2 Year Fixed Rate Bond (Issue 132) Ex/C
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Progressive Building Society - 18 Month Fixed Rate Bond Issue 20
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Coventry - Fixed Bond (212) 31.12.2021 (Statement)
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Coventry - Fixed Bond (212) 31.12.2021 (Passbook)
Notice Required

Paid Interest

annually

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Coventry - Fixed Bond (212) 31.12.2021 (Passbook) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Coventry - Fixed Bond (212) 31.12.2021 (Statement) Monthly
Notice Required

Paid Interest

monthly

Gross Rate

1.4%

Minimum Deposit

£1

Maximum Deposit

£250,000

Bath Investment & Building Society - Direct 60 (Issue 16) Ex/C
Notice Required

1 year

Paid Interest

monthly

Gross Rate

1.4%

Minimum Deposit

£2,500

Maximum Deposit

£100,000

Britannia - 2 Year Fixed Rate Bond (Issue 132) Ex/C Monthly
Notice Required

2 years

Paid Interest

monthly

Gross Rate

1.37%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Britannia - 1 Year Fixed Rate Bond (Issue 271) Ex/C
Notice Required

1 year

Paid Interest

annually

Gross Rate

1.34%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Britannia - 1 Year Fixed Rate Bond (Issue 271) Ex/C Monthly
Notice Required

1 year

Paid Interest

monthly

Gross Rate

1.31%

Minimum Deposit

£500

Maximum Deposit

£1,000,000

Furness Building Society - 1.20% Two Year eSavings Fixed Rate Bond Issue 16
Notice Required

Paid Interest

annually

Gross Rate

1.3%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Leek United - 2 Yr Ext Customer Fixed Rate Fxd Term Bond Ex/C
Notice Required

Paid Interest

annually

Gross Rate

1.25%

Minimum Deposit

£1,000

Maximum Deposit

£250,000

Buckinghamshire Building Society - Fixed Rate Bond Issue 122 to 28 February 2021
Notice Required

31/05/2019

Paid Interest

maturity

Gross Rate

1.25%

Minimum Deposit

£1,000

Maximum Deposit

£500,000

Leek United - 2 Yr Ext Customer Fixed Rate Fxd Term Bond Ex/C M
Notice Required

Paid Interest

monthly

Gross Rate

1.25%

Minimum Deposit

£1,000

Maximum Deposit

£250,000

Nottingham Building Society - Fixed Rate Issue 186
Notice Required

Paid Interest

annually

Gross Rate

1.2%

Minimum Deposit

£500

Maximum Deposit

£750,000

Allied Irish Bank (GB) - Savings Direct 1 Year Fixed Rate Bond Ex/C
Notice Required

1 year

Paid Interest

maturity

Gross Rate

1.1%

Minimum Deposit

£5,000

Maximum Deposit

£2,000,000

Bank of Scotland - 2 Year Fixed Rate Bond
Notice Required

2 years

Paid Interest

annually

Gross Rate

0.65%

Minimum Deposit

£2,000

Maximum Deposit

£9,000,000

Bank of Scotland - 2 Year Fixed Rate Bond Monthly
Notice Required

2 years

Paid Interest

monthly

Gross Rate

0.65%

Minimum Deposit

£2,000

Maximum Deposit

£9,000,000

Compare Fixed Term savings accounts

Search for the best ISA's today
Fixed terms

A fixed rate bond (or fixed term savings account) is a simple investment product that pays out a guaranteed amount of interest after a set period.

If you’ve got a lump sum you’re happy to put away and not touch for a while, a fixed-rate bond can be a great idea.

They’re ideal for savers looking for a low-risk, low-maintenance investment.

Interest rates and payments

As a general rule, the longer you put your money away for, the higher the interest rate you’re offered will be.

This is, of course, a risk balancing exercise: if interest rates go up during the term, you’ll lose out, but if they go down, you’ll be safe.

Interest will either be paid monthly, annually, or the whole lot will be paid on maturity. Interest will be paid into a separate account but, in some cases, it can be reinvested into the bond, meaning that the actual value of subsequent payments will increase a little bit each year.

For example:

If you invest £10,000 in a 3-year bond with an interest rate of 2% that pays on maturity, then at the end of the three years, you’ll receive £10,600.

But if you’re given the option to reinvest your interest, then with the same account you’d get £10,612.08 - not a huge amount more, but it can add up if you’re investing large amounts or leaving the bond locked up for longer.

Other options

The first thing you should do before picking a savings account is work out your reason for saving. Do you have something in particular that you’re saving up for? If so, start by working out how much you need, and when you need it by. With your savings goal in mind, you can start looking at accounts. If you want to continuously top up your savings, say by putting a bit away each month, then you’ll probably be best off with a notice savings account or an ISA.