4.70% - 5.00% AER
1 year, 2 years, 3 years
N/A
£5,000
Investec Save Fixed Rate Saver stands out as the top choice because it offers some of the highest rates available in the market, with terms ranging from 1 to 3 years. The flexibility in terms and the strong backing of FSCS protection make it a reliable option for savers.
Pros:
- Competitive AER
- FSCS-eligible deposits
Cons:
- Minimum deposit required
4.75% - 5.00% AER
5 years
N/A
£50
What sets Atom Bank apart is its exceptionally low minimum deposit requirement of just £50, making it accessible for a wider range of savers. Additionally, the potential for a 5.00% AER return is highly attractive for those willing to commit their funds for a longer term.
Pros:
- Low minimum deposit
- Competitive long-term rates
Cons:
- Funds locked for 5 years
4.98% AER
5 years
N/A
£1,000
The standout feature here is the competitive 4.98% AER offered by GB Bank for a 5-year term, which is appealing for those looking for a stable, long-term investment. Additionally, the FSCS protection adds a layer of security for savers.
Pros:
- Attractive interest rate
- FSCS protected
Cons:
- Higher minimum deposit than some competitors
Up to 5.00% AER
1, 2, 3, 5 years
N/A
£10,000
Close Brothers Savings shines for its variety of term options ranging from 1 to 5 years, allowing savers to choose a duration that best fits their financial goals. The potential for rates up to 5.00% AER makes it a competitive choice in the market.
Pros:
- Flexible term options
- High interest rates
Cons:
- Higher minimum deposit required
4.82% AER
1 year
N/A
£500
National Savings and Investments offers a unique advantage with its Guaranteed Growth Bonds, which are fully backed by HM Treasury. This provides a level of security that is hard to match, making it an excellent choice for risk-averse savers looking for guaranteed returns.
Pros:
- Government-backed security
- Guaranteed returns
Cons:
- Limited to 1-year term
4.76% AER
5 years
N/A
£1
Skipton Building Society offers an incredibly low minimum deposit of just £1, making it accessible for nearly anyone. The fixed rate of 4.76% AER for a 5-year term provides a stable return, although savers must be prepared to lock away their funds for the duration.
Pros:
- Very low minimum deposit
- Stable long-term rate
Cons:
- No withdrawals during the term
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 summary, this September 2026, the best fixed rate bond options in the UK include providers like Investec Save with rates up to 5.00% AER, alongside others such as Aldermore, OakNorth Bank, and Charter Savings Bank. To ensure you secure the most competitive rates for your savings, it's essential to compare these offerings thoroughly before making your decision.
Frequently Asked Questions
As of September 2026, some of the best fixed rate bond rates include Investec Save Fixed Rate Saver with rates between 4.70% and 5.00% AER, Atom Bank 5 Year Fixed Saver offering 4.75% to 5.00% AER, and GB Bank 5 Year Fixed Rate Bond at 4.98% AER.
The minimum deposit required for the Investec Save Fixed Rate Saver is £5,000.
Atom Bank's 5 Year Fixed Saver offers a fixed interest rate of 4.75% to 5.00% AER and requires a minimum deposit of £50.
Fixed rate bonds can be a good way to save if you are looking for a stable return on your investment, as they offer guaranteed interest rates for a set term.
Fixed rate bonds typically offer terms ranging from 1 year to 5 years, with specific options varying by provider.
If you withdraw your money early from a fixed rate bond, you may incur penalties or lose some of the interest earned, as these bonds are designed to lock in your funds for the agreed term.
Most fixed rate bonds do not allow additional deposits after the initial investment; however, this can vary by provider, so it's important to check the specific terms.
Compare Fixed Rate Bond Rates
Summary of all rates from our fixed rate bond rate pages. Click column headers to sort.
