4.90% AER
12 months
Receive a £40 welcome bonus when you register for a Raisin UK account using the code WELCOME40, open a fixed rate bond with a term of 1 year or longer.
£1,000
MoneySuperMarket stands out as the top choice because it offers the highest fixed rate bonds with guaranteed returns, making it an excellent option for savers looking to lock in their interest.
Pros:
- Competitive AER
- FSCS-eligible deposits
Cons:
- Minimum deposit required
4.91% AER
12 months
N/A
£1,000
What sets Moneyfacts apart is its consistently high rates for one-year fixed bonds, making it a reliable choice for those seeking short-term savings.
Pros:
- High market average
- Competitive rates
Cons:
- Limited access to funds during the term
4.75% AER
12 months
N/A
£500
The standout feature here is Money.co.uk's comprehensive comparison platform, which allows users to easily find and compare the best fixed rate bonds available.
Pros:
- Wide range of options
- User-friendly comparison
Cons:
- Rates may vary by provider
4.60% AER
2 years
N/A
£1,000
The Stafford Building Society shines for its straightforward fixed rate bond that locks in a competitive rate for two years, providing peace of mind for savers.
Pros:
- Guaranteed rate until maturity
- Flexible deposit options
Cons:
- No withdrawals during the term
4.16% AER
2 to 5 years
Raisin UK frequently runs promotional campaigns for new and existing customers, including welcome bonuses.
£2,000
UBL UK offers a unique opportunity for savers looking for longer-term fixed rate bonds, with competitive rates and the added security of FSCS protection.
Pros:
- Longer-term options available
- FSCS protection
Cons:
- Higher minimum deposit required
Did you know?
Fixed rate bonds usually pay a set AER for the full term. Laddering maturities can balance yield with future access to cash.
Final Words
In July 2026, some of the best fixed-rate bond providers in the UK include MoneySuperMarket, with rates ranging from 4.60% to 4.90% AER. As you consider your options, remember to compare offers from various providers to ensure you secure the best possible return on your savings.
Frequently Asked Questions
The top fixed rate bond providers in the UK for July 2026 include: 1. Moneyfacts 1-Year Fixed Bond with a rate of 4.91% AER, 2. MoneySuperMarket Best Fixed Bond at 4.90% AER, and 3. Money.co.uk Fixed Rate Bond at 4.75% AER.
The MoneySuperMarket Best Fixed Bond offers an interest rate of 4.90% AER for a term of 12 months.
The Moneyfacts 1-Year Fixed Bond requires a minimum deposit of £1,000.
A fixed rate bond is a type of savings account that offers a guaranteed interest rate over a specified term, during which access to the funds is restricted.
Fixed rate bonds typically offer higher interest rates compared to instant access savings accounts, but they require you to lock away your money for a set period.
Before opening a fixed rate bond, consider the interest rate, term length, minimum deposit required, and whether you can manage without access to your funds for that period.
While fixed rate bonds are generally low-risk, the main risk is that your money will be inaccessible for the term of the bond, and you may miss out on higher rates if market rates increase.
Generally, you cannot withdraw your money from a fixed rate bond before the term ends without incurring penalties, as these accounts are designed to lock in your funds.
Compare Fixed Rate Bond Rates
Summary of all rates from our fixed rate bond rate pages. Click column headers to sort.
| Provider ↕ | Rate ↓ | Term ↕ | Min Deposit | |
|---|---|---|---|---|
| Nuvision Credit Union | 5.00% | 5 months | $1,000 | Learn more |
| Internal Revenue Federal Credit Union | 4.577% | 6 months | $1,000 | Learn more |
| Advancial | 4.34% | 5 years | $1,000 | Learn more |
| Climate First Bank | 4.34% | 6 months | $500 | Learn more |
| Sullivan Bank | 4.30% | 5 years | $1,000 | Learn more |
| Connexus Credit Union | 4.30% | 17 months | $5,000 | Learn more |
| OMB Bank | 4.25% | 5 months | $1,000 | Learn more |
| Consumers Credit Union | 4.22% | 7 months | $1,000 | Learn more |
| Popular Direct | 4.20% | 18 months | $10,000 | Learn more |
| TAB Bank | 4.20% | 5 years | $1,000 | Learn more |
| United Fidelity Bank | 4.20% | 5 years | $1,000 | Learn more |
| Sallie Mae Bank | 4.15% | 5 years | $2,500 | Learn more |
| First Bank and Co. Bottine | 4.14% | 5 years | $500 | Learn more |
| Rising Bank | 4.11% | 1 year | $1,000 | Learn more |
| Farmers and Merchants Bank (NE) | 4.11% | 1 year | $500 | Learn more |
| Central Bank (UT) | 4.06% | 5 years | $500 | Learn more |
| USAlliance Financial | 4.05% | 1 year | $500 | Learn more |
| BTG Pactual Bank | 4.00% | 1 year | $500 | Learn more |
| Ally Bank | 3.90% | 6 months | $0 | Learn more |
| Suncoast Credit Union | 3.70% | 6 months | $500 | Learn more |
