Customer Score is based on research carried out by the Which? Access Bank UK is offering a two-year bond at 2.38%. Money editorial team and reflects the quality of service Which? 2 Year Fixed Term Deposit 0.70%. We cannot guarantee that products listed will be available or available on the terms specified. members we’ve surveyed have told us they received you can expect to get from the provider you choose. Financial Services Limited is a wholly-owned subsidiary of Which? • Maturity Date – the day on which your account ends and on which we will repay your deposit and the interest you have earned. Access Bank savings accounts offer competitive interest rates on a range of fixed rate bonds. Savers can choose from fixed rate deals of 1, 2 and 3 years, offering a lot of flexibility to suit your savings goals. Keep in m… See above for Access Bank savings accounts, or to compare rates from other leading providers. The above rates are subject to variation. You can't access your money until the fixed term ends. The savings accounts below show the best fixed rate bonds available for those who are looking to lock a deposit away for a set period to gain a favourable interest rate. See above for Access Bank savings accounts, or to compare rates from other leading providers. Onshore & offshore. Stable future. Bonds are available in a wide range of currencies including USD, EUR, GBP, AUD, CAD and NZD helping to diversify your portfolio. Runpath receives a commission from some of the brokers and providers listed on the Which? Please check availability and terms direct with the relevant product provider. However, both these rates trail behind the best in the market. You may only receive a return of your original capital, If you withdraw your money during the plan you may get back less than you originally invested, 18.3% fixed return if the Index is higher than its Initial Level, Medium/long term alternative to fixed rates, 3.75% fixed return if the Index is higher than 90% of its Initial Level, Fixed return – Either 11.7% if the Index is above the Initial Level, or 4.2% if it is the same or lower than the Initial Level. The Which? All pages and content are the sole responsibility of Which? The Access Bank UK Limited is registered in England & Wales, Company Number 6365062. A Fixed Rate Bond can also be opened as a ‘Re: Account’. Financial Services Limited. Savings Accounts Types. This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus. Limited and part of the Which? Group to be independent and impartial in how it helps consumers make informed decisions, raise awareness of consumer needs and drive positive change. Minimum deposits from £5,000 to a maximum of £500,000, however you may open as many bonds as you require. With a fix, you get guaranteed returns for a set time – so if you want rate certainty, fixing is an easy way to get it. Just remember you normally can't take your money out during the term, so only lock away what you definitely won't need. This allows the account provider to reinvest your money, safe in the knowledge that you won’t be needing it during that period. Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. We don’t carry advertising and we don’t allow providers to pay to optimise their search results. There are also fixed rate bonds with access to your money with a penalty. You can understand more and change your cookies preferences here. Which? Want something fixed yet flexible? Minimum deposits can range from £1 to £50,000, while maximum deposits can be as high as £2,000,000. Meanwhile, Charter Savings Bank has raised the rate of its fixed-term one-year bond to 1.98% AER. The data for our service is provided by Runpath Digital, which has selected lovemoney.com financial services limited, registered in England & Wales to White Collar Factory, 1 Old Street Yard, London EC1Y 8AF, company number 07406032, and which is authorised and regulated by the Financial Conduct Authority (FRN 479153), as its service provider. The rate of interest you get doesn’t change for the period of the bond. • Joint Account – your fixed rate savings bond provided by The Access Bank UK Limited, which you hold jointly with another accountholder. Aldermore and UBL UK have the next best easy access rate. Financial Services Limited. You can personalise the chart by specifying the size and type of deposit you would like to make … Group and is authorised and regulated by the Financial Conduct Authority (FRN527029). A fixed rate bond will restrict your access to your money. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. Which? Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. With savings accounts of this type, how you earn interest from a fixed rate bond depends on which 2 year fixed rate bond you open and which bank is offering the account. Paragon Bank is topping up rates further across six of its products from Friday 18 th September.. Paragon’s range of fixed term products can be opened online, over the phone or by post and are available to both new and existing customers. 3 Year Fixed Term Deposit 0.88%. Savers can choose from fixed rate deals of 1, 2 and 3 years, offering a lot of flexibility to suit your savings goals. When you deposit your money in a fixed rate bond, it’s locked away; you typically can’t add to it or access it. (variable), 5.1% fixed return if the Index is higher than its Initial Level, Short/medium term alternative to fixed rates, Available for cash ISA, ISA transfer and direct investment, Covered by the FSCS (Financial Services Compensation Scheme), Deadline for ISA transfer applications – 29 January 2021, Deadline for Direct & ISA applications – 12 February 2021, Returns not guaranteed. You can choose to have your interest paid monthly or every 12 months … Savers piled £45bn into easy-access accounts in just four months over lockdown You can apply either through our online service or via our postal application service. Fixed savings. Fixed Rate Bonds; Easy Access; Regular Saver; Childrens; View all rates See how our Savings Pledges could support you . Fixed rate bonds in the UK have varying minimum and maximum deposits. Is it a safe place for my money? This is a Fixed Rate Bond that has been applied for on someone else’s behalf, and is usually for people who don’t have their own current accounts yet. The Access Bank UK Limited Base Rate is in line with the Bank of England Base Rate. The Double Access Account Issue 1 from Aldermore has a rate of 0.60% gross and interest can be paid either on anniversary of the account opening or monthly. By continuing to browse you consent to our use of cookies. Help & support. Open your account today APPLY NOW. Important Information: This is a structured deposit plan and is capital protected. Fixed rate accounts Compare our fixed rate personal savings accounts. A Shepherds Friendly our fixed rate bond lets you save for the future safe in the knowledge that you’re getting a guaranteed return on your savings. Compare Fixed Rate Bonds - Latest Interest Rates On 1,2,3,4 and 5 Year Fixed Rates - Savings and Tax Free Bonds Via An ISA from 6,12 and 18 months to 5 years -Monthly Interest Options With Access - Rates … These also give a fixed interest rate for a set amount of time (such as a year). Financial Services Limited. Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665, and is an Introducer Appointed Representative of Which? Navigate Savings Accounts. A fixed rate bond savings account (also known as fixed rate savings, fixed term bonds or fixed term deposits) could be ideal for you if you want to lock your money away for a set time at a rate that won’t change from the day you open your account until the end of your fixed term. Compare fixed rate bonds Lock away your savings for a while and get a higher interest rate with fixed rate bonds. Group of which we are part. 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