Compare Fixed Term savings accounts
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Fixed Term Savings Accounts with Money Expert

28 results found, sorted by affiliated products first.
BM Savings - 3 Year Internet Fixed Rate Bond
Notice Required

3 years

Paid Interest

annually

Gross Rate

2.35%

Minimum Rate

£1

Maximum Rate

£10,000,000

BM Savings - 3 Year Internet Fixed Rate Bond Monthly
Notice Required

3 years

Paid Interest

monthly

Gross Rate

2.34%

Minimum Rate

£1

Maximum Rate

£10,000,000

BM Savings - 2 Year Internet Fixed Rate Bond
Notice Required

2 years

Paid Interest

annually

Gross Rate

2.2%

Minimum Rate

£1

Maximum Rate

£10,000,000

BM Savings - 2 Year Internet Fixed Rate Bond Monthly
Notice Required

2 years

Paid Interest

monthly

Gross Rate

2.2%

Minimum Rate

£1

Maximum Rate

£10,000,000

Cambridge Building Society - 3 Year Fixed Rate Bond (Issue 78) Ex/C
Notice Required

3 years

Paid Interest

annually

Gross Rate

1.75%

Minimum Rate

£1,000

Maximum Rate

£500,000

Barclays - Premier Flexible Bond 3 Year Issue 18 Ex/C
Notice Required

3 years

Paid Interest

annually

Gross Rate

1.6%

Minimum Rate

£1

Maximum Rate

£1,000,000

Barclays - Premier Flexible Bond 3 Year Issue 18 Ex/C Month
Notice Required

3 years

Paid Interest

monthly

Gross Rate

1.6%

Minimum Rate

£1

Maximum Rate

£1,000,000

Barclays - Premier Flexible Bond 3yr Issue 18 Ex/C Maturity
Notice Required

3 years

Paid Interest

maturity

Gross Rate

1.6%

Minimum Rate

£1

Maximum Rate

£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 Rate

£5,000

Maximum Rate

£2,000,000

Britannia - 3 Year Fixed Rate Bond (Issue 84) Ex/C
Notice Required

3 years

Paid Interest

annually

Gross Rate

1.5%

Minimum Rate

£500

Maximum Rate

£1,000,000

Britannia - 3 Year Fixed Rate Bond (Issue 84) Ex/C Monthly
Notice Required

3 years

Paid Interest

monthly

Gross Rate

1.46%

Minimum Rate

£500

Maximum Rate

£1,000,000

Cambridge Building Society - 2 Year Fixed Rate Bond (Issue 76)
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.4%

Minimum Rate

£1,000

Maximum Rate

£1,000,000

Cambridge Building Society - 2 Year Fixed Rate e-Bond (Issue 8)
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.4%

Minimum Rate

£5,000

Maximum Rate

£1,000,000

Barclays - 3 Year Flexible Bond Issue 39
Notice Required

3 years

Paid Interest

annually

Gross Rate

1.4%

Minimum Rate

£1

Maximum Rate

£1,000,000

Barclays - 3 Year Flexible Bond Issue 39 Maturity
Notice Required

3 years

Paid Interest

maturity

Gross Rate

1.4%

Minimum Rate

£1

Maximum Rate

£1,000,000

Barclays - 3 Year Flexible Bond Issue 39 Monthly
Notice Required

3 years

Paid Interest

monthly

Gross Rate

1.4%

Minimum Rate

£1

Maximum Rate

£1,000,000

Britannia - 2 Year Fixed Rate Bond (Issue 124) Ex/C
Notice Required

2 years

Paid Interest

annually

Gross Rate

1.34%

Minimum Rate

£500

Maximum Rate

£1,000,000

Britannia - 2 Year Fixed Rate Bond (Issue 124) Ex/C Monthly
Notice Required

2 years

Paid Interest

monthly

Gross Rate

1.31%

Minimum Rate

£500

Maximum Rate

£1,000,000

Chelsea Building Society - 1.31% Fixed Rate e-Bond to 31/08/2019
Notice Required

31/08/2019

Paid Interest

annually

Gross Rate

1.31%

Minimum Rate

£1,000

Maximum Rate

£2,000,000

Chelsea Building Society - 1.31% Fixed Rate e-Bond to 31/08/2019 Monthly
Notice Required

31/08/2019

Paid Interest

monthly

Gross Rate

1.31%

Minimum Rate

£1,000

Maximum Rate

£2,000,000

Buckinghamshire Building Society - Fixed Rate Bond (Issue 102) to 31st May 2019
Notice Required

31/05/2019

Paid Interest

maturity

Gross Rate

1.25%

Minimum Rate

£1,000

Maximum Rate

£500,000

Britannia - 1 Year Fixed Rate Bond (Issue 263) Ex/C
Notice Required

1 year

Paid Interest

annually

Gross Rate

1.25%

Minimum Rate

£500

Maximum Rate

£1,000,000

Britannia - 1 Year Fixed Rate Bond (Issue 263) Ex/C Monthly
Notice Required

1 year

Paid Interest

monthly

Gross Rate

1.21%

Minimum Rate

£500

Maximum Rate

£1,000,000

Cambridge Building Society - 1 Year Fixed Rate Bond (Issue 75)
Notice Required

1 year

Paid Interest

annually

Gross Rate

1.15%

Minimum Rate

£1,000

Maximum Rate

£1,000,000

Bath Investment & Building Society - Direct 60 (Issue 15) Ex/C
Notice Required

1 year

Paid Interest

monthly

Gross Rate

1.15%

Minimum Rate

£2,500

Maximum Rate

£100,000

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 Rate

£5,000

Maximum Rate

£2,000,000

Bank of Scotland - 2 Year Fixed Rate Bond
Notice Required

2 years

Paid Interest

annually

Gross Rate

0.5%

Minimum Rate

£2,000

Maximum Rate

£9,000,000

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

2 years

Paid Interest

monthly

Gross Rate

0.5%

Minimum Rate

£2,000

Maximum Rate

£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.