{"id":218258,"date":"2019-07-16T15:09:00","date_gmt":"2019-07-16T14:09:00","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=218258"},"modified":"2025-11-28T15:25:51","modified_gmt":"2025-11-28T15:25:51","slug":"fixed-rate-bonds","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds","title":{"rendered":"Best fixed-rate bonds"},"content":{"rendered":"<div class=\"has-padding-top-xsmall \">\n<div class=\"u-grid u-grid--alignMiddle u-grid--gutterSmall has-margin-bottom-large\">\n<style>.ukfin-product-nav-item-link { text-decoration: none !important; } .ukfin-product-nav-item article { border-radius: 22px; } .fin-text-white article { background-color: #1d53ff; } .ukfin-product-nav-item-name { line-height: 44px; font-weight: 600; font-size: 18px; white-space: nowrap; letter-spacing: -0.1px; } .fin-text-white .ukfin-product-nav-item-name { color: #ffffff !important; } .ukfin-product-nav-item-name span { font-weight: normal; color: #242a2f; font-size: 14px; letter-spacing: -0.06px; } .ukfin-product-nav-item-arrow { fill: #002ebf; } .fin-text-white .ukfin-product-nav-item-arrow { fill: #ffffff !important; }<\/style>\n    <div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/6-month-fixed-rate-bonds\">\n            <article class=\"content-area-light-blue\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">6-month fixed-rate bonds<span class=\"has-padding-left-xsmall\">Up to 4.4%<\/span><\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n    <div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds\">\n            <article class=\"content-area-light-blue\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">1-year fixed-rate bonds<span class=\"has-padding-left-xsmall\">Up to 4.75%<\/span><\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n    <div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/18-month-fixed-rate-bonds\">\n            <article class=\"content-area-light-blue\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">18-month fixed-rate bonds<span class=\"has-padding-left-xsmall\">Up to 4.7%<\/span><\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n    <div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-2-year-fixed-rate-bonds\">\n            <article class=\"content-area-light-blue\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">2-year fixed-rate bonds<span class=\"has-padding-left-xsmall\">Up to 4.7%<\/span><\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n    <div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\">\n            <article class=\"content-area-light-blue\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">3-year fixed-rate bonds<span class=\"has-padding-left-xsmall\">Up to 4.71%<\/span><\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n    <div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds\">\n            <article class=\"content-area-light-blue\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">5-year fixed-rate bonds<span class=\"has-padding-left-xsmall\">Up to 4.72%<\/span><\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n<div class=\"u-grid__col u-1\/2@s has-margin-bottom-xxsmall ukfin-product-nav-item\">\n        <a class=\"ukfin-product-nav-item-link fin-text-white\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/compare-fixed-rate-bonds\">\n            <article class=\"content-area-sms\">\n                <div class=\"has-padding-left-small has-padding-right-small\">\n                    <div class=\"u-grid u-grid--alignMiddle u-grid--gutterCollapse\">\n                        <div class=\"u-grid__col u-11\/12\">\n                            <div class=\"ukfin-product-nav-item-name u-color--blue-700 no-margin-bottom\">All today's deals<\/div>\n                        <\/div>\n                        <div class=\"u-grid__col u-1\/12\">\n                            <svg class=\"luna-icon luna-icon--secondary has-margin-left-xsmall ukfin-product-nav-item-arrow\" aria-hidden=\"true\"><use xlink:href=\"#chevron-right\"><\/use><\/svg>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/article>\n        <\/a>\n    <\/div>\n<\/div><\/div><div class=\"has-margin-bottom\">\n<div class=\"text-center\">We compare brands including:<\/div>\n\n<div class=\"u-grid u-grid--alignCenter no-margin-left no-margin-right has-margin-bottom\">\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5dad96b01c078.png\" alt=\"Aldermore logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5dad96b01c078.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5dad96b01c078.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5dad96b01c078.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5dad96b01c078.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5dad96b01c078.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6508159ee75dc.png\" alt=\"Monzo Bank logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6508159ee75dc.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6508159ee75dc.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6508159ee75dc.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6508159ee75dc.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6508159ee75dc.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6410baee4ac07.png\" alt=\"Tandem Bank logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6410baee4ac07.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6410baee4ac07.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6410baee4ac07.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6410baee4ac07.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6410baee4ac07.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5d3b1bc455697.png\" alt=\"Ford Money logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5d3b1bc455697.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5d3b1bc455697.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5d3b1bc455697.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5d3b1bc455697.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5d3b1bc455697.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/664cdb5340369.png\" alt=\"Zopa logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/664cdb5340369.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/664cdb5340369.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/664cdb5340369.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/664cdb5340369.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/664cdb5340369.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5d77bb2468c62.png\" alt=\"Tesco Bank logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5d77bb2468c62.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5d77bb2468c62.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5d77bb2468c62.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5d77bb2468c62.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5d77bb2468c62.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6410ab3c8720b.png\" alt=\"Shawbrook Bank logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6410ab3c8720b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6410ab3c8720b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6410ab3c8720b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6410ab3c8720b.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6410ab3c8720b.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<\/div>\n\n<\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/11\/fscsprotected.png\" width=\"52\" height=\"74\" alt=\"FSCS-protected badge\" class=\"alignleft has-padding-bottom-xxsmall\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/11\/fscsprotected.png?fit=156 156w\" sizes=\"(max-width: 156px) 100vw, 156px\" loading=\"lazy\"><h5 class=\"no-margin-top has-margin-bottom-xxsmall\">Is my money safe?<\/h5><p class=\"text-x-small has-padding-bottom-xxsmall\">The Financial Services Compensation Scheme (FSCS) guarantees that it will step in to compensate the first \u00a3120,000 you have saved with a UK-authorised bank, building society or credit union in the event that the business goes bust.<\/p><\/div><\/article><p>Fixed rate bonds allow you to commit your funds for a set time in return for a higher interest rate. But because deposits are locked-in for the duration of the bond, they won\u2019t be right for everyone. In this guide we\u2019ve set out everything we think you need to know before opting for a fixed-rate bond. We also have a guide on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\">fixed-rate cash ISAs<\/a> which are tax-free and also offer a set rate for a certain period of time (we explain the <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas#fixed-bond-vs-isa\">differences between these two popular acount types here<\/a>).<\/p><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What are fixed-rate bonds?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Fixed-rate bonds are a popular type of savings account that can offer savers a higher interest rate in return for leaving a lump sum of money with a bank for an agreed timeframe. Because the interest rate is \u201cfixed\u201d, it won\u2019t change even if market conditions (and the Bank of England base rate) change. That means you\u2019ll know from the outset exactly how much you\u2019re going to earn on your savings.<\/p><p>Their main feature is that your money is locked away for a pre-defined period of time (normally between 6 months and 5 years). You can\u2019t withdraw it during that period. The bank will typically only release the funds before maturity if the account holder dies or goes bankrupt. In rare cases, a bond product might offer flexibility around early withdrawals, but that will always be with a penalty. The penalty is generally equivalent to a specified number of days worth of interest \u2013 say, 90. If you\u2019ve had the bond for less time than that, and you withdraw everything, then you could theoretically walk away with less than you put in.<\/p><p>Since the bank has the (near-) certainty that your money will be at its disposal for a set chunk of time time, it\u2019s able to offer you a better rate than what you\u2019d get with, say, an <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">easy-access savings account<\/a>.<\/p><p>Fixed-rate bonds are good if you have a lump sum of money that you want to do something sensible with, and you don\u2019t mind locking it away for a set period of time.<\/p><p>Use our <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/compare-fixed-rate-bonds\">comparison table<\/a> to see which ones have the best interest rates today and if they\u2019re worth it. <\/p><\/div><\/div><\/div><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" 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This means savings rates have gone up too so now could be a good time to take out a fixed-rate bond. <\/p><p>However, there\u2019s lots to consider before you decide to open one. The main thing that will determine whether it\u2019s worth it is what will happen to interest rates in the future, which is almost impossible to predict with accuracy. Experts currently think the base rate may start to fall some time in 2024, but there\u2019s no guarantee. <\/p><p>If there are more increases to come, you might be better off waiting a while before you commit to a fixed interest rate as you could end up earning less than if you\u2019d put your money somewhere else. However, at the start of the term at least, you\u2019ll be earning more than you would from an account that gives you easier access to your money, which will make up for when \u2013 or if \u2013 this difference narrows or even disappears.<\/p><p>It\u2019s not just about the interest rate you\u2019re getting though. You might want to lock your money away so you\u2019re not tempted to spend it or because you know that for the next year or two you won\u2019t need access to it.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Cathy Hudson's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/03\/cathyhudson_supplied_400x400.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/03\/cathyhudson_supplied_400x400.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/03\/cathyhudson_supplied_400x400.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/03\/cathyhudson_supplied_400x400.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                            <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg width=\"19\" height=\"12\" viewbox=\"0 0 19 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n      <path d=\"M13.0023 0.332947H0.333008V5.99998C0.333008 9.12984 2.87019 11.667 6.00004 11.667C7.32857 11.667 8.55054 11.2075 9.51614 10.4384L9.55942 10.505C10.5117 11.2342 11.707 11.667 12.9989 11.667C16.1288 11.667 18.666 9.12984 18.666 5.99998C18.666 2.87013 16.1288 0.332947 12.9989 0.332947H13.0023Z\" fill=\"white\"><\/path>\n      <path d=\"M15.4225 2.71353C15.0196 2.71353 14.6434 2.8667 14.3137 3.12974C14.5834 3.33951 14.7632 3.66248 14.7632 4.03207C14.7632 4.6647 14.2505 5.17746 13.6178 5.17746C13.4813 5.17746 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/cathyhudson\" itemprop=\"url\" target=\"_blank\">\n                                Cathy Hudson\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Money expert<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>How do fixed-rate bonds work?<\/h3><p>Once you\u2019ve compared and picked the fixed-rate savings account you want to open, things are pretty straightforward.<\/p><ul><li><strong>Application.<\/strong> With most financial institutions, you can apply online by putting in your data and going through an ID check. Some financial institutions don\u2019t allow you to open a fixed-rate savings account with them if you don\u2019t have a <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\">current account<\/a> too. If the account you want to open is with a bank you\u2019re already a customer of, you can often do it directly from your banking app.<\/li><li><strong>Deposits.<\/strong> Once the account is open, you have a short period of time to fund it (normally less than one month). After that, you can\u2019t make any more deposits or withdrawals to your account until it matures. If you really do have to access the funds, it may be a slow process and you\u2019ll incur a penalty (usually forfeiting interest earned).<\/li><li><strong>Interest.<\/strong> The interest will either be paid out \u201con maturity\u201d when your lump sum\u2019s released, or, in some cases, interest can be <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/monthly-interest-fixed-rate-bonds\">\u201cpaid away\u201d monthly<\/a> to an account that you nominate. It\u2019s more lucrative in the long run if the interest is allowed to compound in the bond itself itself, but some people will be looking to generate a monthly income instead.<\/li><li><strong>Withdrawals.<\/strong> We can\u2019t stress it enough: only put money into a fixed-rate savings account if you\u2019re 100% sure you won\u2019t need to access it. Because no. You. Cannot. Withdraw. Your. Deposit. In. Advance. More precisely, in some cases, you just can\u2019t at all; in others, you\u2019ll be charged a fee and your account will be closed.<\/li><li><strong>When the account matures.<\/strong> You\u2019ll be able to access your money and you usually can choose to have it paid back into your current account (and then potentially look for a new deal) or \u201crenew\u201d your current deal by opening a new fixed-rate bond with the same financial institution. There\u2019s no guarantee you\u2019ll get the same interest rate as before though.<\/li><\/ul><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How long should I keep my money in a fixed-rate bond for?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>While the duration of the fixed-rate bond may vary from bank to bank, generally the periods of time that you can put your money in a bond for are <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/6-month-fixed-rate-bonds\">6 months<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds\">1 year<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/18-month-fixed-rate-bonds\">18 months<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-2-year-fixed-rate-bonds\">2 years<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-3-year-fixed-rate-bonds\">3 years<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds\">5 years<\/a>.<\/p><p>If you think that savings interest rates are likely to rise over the coming months and years, then you might prefer to fix for a shorter time. Conversely, if you think that savings interest rates are coming down, then you might be keen to fix at today\u2019s rates for as long as you can. For larger sums or longer terms, a bit of <a href=\"https:\/\/www.finder.com\/uk\/banking\/base-rate-survey\">research in where rates are headed<\/a> can be time well spent. <\/p><p>Bear in mind that the longer you lock your money away for, the greater the chance that your circumstances could change, and you might wish you could access your money. So if you think your circumstances could well change, consider a shorter term, or locking less away. Of course you generally <em>can<\/em> withdraw your savings in any case, but if you do so before the end of the fixed-term, you\u2019ll incur a penalty (typically losing your interest).<\/p><\/div><\/div><\/div><h3>Should I get a fixed-rate savings account?<\/h3><p>The first thing to do is make sure a fixed-rate savings account really is what you want. The interest rate is usually better than what easy-access accounts offer, but you\u2019re giving up access to your money, so always consider whether it\u2019s worth it or not. <\/p><p>Remember that if inflation is higher than the interest rate you\u2019re earning, the value of your savings is actually falling over time.<\/p><p>Top deals for fixed-rate savings accounts pay up to 5.3% a year. At the moment the top rates on easy-access savings account are very similar to fixed rates. But remember that the easy-access rate is likely to fluctuate whereas the fixed one won\u2019t, so then the question is whether it\u2019s worth losing access to your money for the sake of a guaranteed return. <\/p><p>A longer period generally means a better rate, though at the moment, the opposite is true because interest rates are expected to fall from their current level (the banks factor this in when deciding what rates to offer on fixed deals).<\/p><p>While the loss of access to funds is generally seen as the price you pay for a better rate, it could also be seen as an advantage \u2013 if you\u2019re tempted to dip into your savings and splurge on something, for example, you simply won\u2019t be able to.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>It\u2019s an unusual time because the rates on fixed-rate bonds are similar to those on easy-access accounts, but the upside of a fixed deal is that you get a guaranteed return on your savings.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Katherine Denham, award-winning personal finance expert<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>How to choose the best fixed-rate bonds<\/h3><p>If you do decide that a fixed-rate savings account is what you need, comparing and picking the right one for you shouldn\u2019t be excessively complicated. Here\u2019s how to tackle it:<\/p><ul><li><strong>How long can you do without the money?<\/strong> A longer period generally means a better rate (with the caveat that rates could rise when your money\u2019s locked in).<\/li><li><strong>Compare rates.<\/strong> Obviously, the higher the better.<\/li><li><strong>Check the eligibility criteria.<\/strong> Make sure you can apply for the account you\u2019re looking at. With some banks, you\u2019ll need to open a current account first. Also, keep in mind that many fixed-rate savings accounts have a minimum deposit (this could be \u00a350 to \u00a3500 or more).<\/li><li><strong>Look at where\/when the interest is paid.<\/strong> Monthly, annually or at the end? Into the account itself or somewhere else?<\/li><li><strong>How much are you going to earn?<\/strong> This will basically depend on the interest rate, but to make a final decision it\u2019s worth trying to figure out how much you\u2019ll get out of the account with the amount you can afford to put aside.<\/li><li><strong>What\u2019s the withdrawal penalty?<\/strong> While it\u2019s a bad idea to withdraw savings from a fixed-rate account before it matures, make sure you understand whether it\u2019s possible to take your money early and the penalty for doing so.<\/li><\/ul><p><img decoding=\"async\" class=\"luna-image aligncenter\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/savings632x380.png\" alt=\"Image of a hand holding a mobile phone with coins on the screen alongside the stat: The average Brit had \u00a37,500 put away for a rainy day in 2022, up 11% from 2020\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/savings632x380.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/savings632x380.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/savings632x380.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/savings632x380.png?fit=632 632w\" sizes=\"(max-width: 632px) 100vw, 632px\" loading=\"lazy\"><\/p><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Are fixed-rate savings bonds safe?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Yes, they generally are, providing they\u2019re issued by a UK-authorised bank or building society and you\u2019re saving below \u00a3120,000. Always make sure that the deal you\u2019re looking at is covered by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">FSCS<\/a> (Financial Services Compensation Scheme), which will protect your deposits up to \u00a3120,000 if the financial institution providing the account were to go bankrupt. If you have more than \u00a3120,000 in savings, it\u2019s advisable to spread it between accounts at different financial institutions, just in case.<\/p><p>Unlike some investment products where your investment can go down as well as up, fixed-rate bonds guarantee a set return. This might not match the rate of inflation, but it\u2019s better than sticking your money under the mattress.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Which are the best fixed-rate bonds at the moment?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Our best fixed-rate bonds are the highest interest rates available for each type of bond we specify. To get the latest rates, we use Defaqto data, which covers nearly the full market of savings products and is checked and updated daily. We don\u2019t include accounts from private banks.<\/p><p>All the bonds in our list have savings protection \u2013 for most, this is the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS). Other schemes include that of NS&amp;I, which is 100% backed by HM Treasury, and the Gibraltar Deposit Guarantee Scheme.<\/p><ul>\n<li><a href=\"https:\/\/www.finder.com\/uk\/6-month-fixed-rate-bonds\">6-month fixed-rate bonds<\/a> 4.4% AER (Prosper Al Rayan - 6 Month Fixed Term Deposit (new only))<\/li>\n<li><a href=\"https:\/\/www.finder.com\/uk\/best-1-year-fixed-rate-bonds\">1-year fixed-rate bonds<\/a> 4.75% AER (Prosper Al Rayan -1 Yr Fixed Term Deposit (new only))<\/li>\n<li><a href=\"https:\/\/www.finder.com\/uk\/18-month-fixed-rate-bonds\">18-month fixed-rate bonds<\/a> 4.7% AER (Chetwood Bank 18 Month Fixed Rate)<\/li>\n<li><a href=\"https:\/\/www.finder.com\/uk\/best-2-year-fixed-rate-bonds\">2-year fixed-rate bonds<\/a> 4.7% AER (GB Bank 2 Year Fixed Rate Bond)<\/li>\n<li><a href=\"https:\/\/www.finder.com\/uk\/best-3-year-fixed-rate-bonds\">3-year fixed-rate bonds<\/a> 4.71% AER (Oxbury Personal 3 Year Bond Account - Issue 22)<\/li>\n<li>4-year fixed-rate bonds4.58% AER (Oxbury Personal 4 Year Bond Account - Issue 14)<\/li>\n<li><a href=\"https:\/\/www.finder.com\/uk\/best-5-year-fixed-rate-bonds\">5-year fixed-rate bonds<\/a> 4.72% AER (Afin Bank 5 Year Fixed Term Account Issue 8)<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><h3>An overview of our fixed-rate bonds comparison<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Rates up to<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.75% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n894\n<\/td>\n<\/tr>\n<tr>\n<th>Terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n  1 month - 7 years <\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a30\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a310,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app, post, telephone<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Bottom line<\/h3><p>You can usually get better rates of interest by putting your money into a fixed-rate bond versus other types of account but you need to be able to lock your money away for the term of the bond. However, if interest rates go up during this period, you could end up losing out in the long run. <\/p><p>If you\u2019re able to invest long term \u2013 for at least five years \u2013 you could consider investing in the stock market instead but there\u2019s a risk that the value of your investment could go down instead of up. It\u2019s a good idea to speak to an independent financial adviser before you decide to do this.<\/p><p><a class=\"more-link-arrow has-padding-bottom-medium\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/compare-fixed-rate-bonds\">Compare all today\u2019s rates<\/a><\/p><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Finder survey: What proportion of your savings would you want to keep instant access to, even if it meant a lower interest rate?<\/h4><div id=\"scale-surveys-10005-3\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view-finder-survey:-what-proportion-of-your-savings-would-you-want-to-keep-instant-access-to-even-if-it-meant-a-lower-interest-rate\" class=\"u-grid__col u-1\/2@s u-1\/1 aligncenter size-full chart-container\" style=\"max-width: 330px;\"><\/div><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\tvar packageToLoad = 'corechart';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\t\t\t\t\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\t\t\t\t\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'pie';\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t['Response', ''],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['N\/A', 10.71],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Most of it', 17.86],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Less than half of it', 17.86],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Half of it', 23.21],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['All of it!', 30.36],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: { \n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8', '#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8']\n\t\t\t\t\t\t};\n\t\t\t\t\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.visualization.PieChart(document.getElementById('view-finder-survey:-what-proportion-of-your-savings-would-you-want-to-keep-instant-access-to-even-if-it-meant-a-lower-interest-rate'));\n\t\t\t\t\t\t\/\/ Pie chart specific options can go here\n\t\t\t\t\t\toptions.chartArea = {width:'100%',height:'100%'};\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\t\t\t\t\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col u-1\/2@s  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th>% of respondents<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1a69e8;\"><\/span>N\/A<\/td><td>10.71%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #3178ea;\"><\/span>Most of it<\/td><td>17.86%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #4887ed;\"><\/span>Less than half of it<\/td><td>17.86%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #5f96ef;\"><\/span>Half of it<\/td><td>23.21%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #76a5f1;\"><\/span>All of it!<\/td><td>30.36%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Finder of  Finder members    \t\t<\/span><\/div><\/div><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Why might I get a lower rate on a fixed-rate bond than on easy-access?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>When this happens, it could mean that banks are expecting interest rates broadly to fall over the coming months and years.<\/p><p>If the Bank of England base rate goes down, banks can easily adjust their variable savings rates accordingly. But where they\u2019ve commited to a fixed term, they risk finding themselves out of pocket, while you \u2013 the saver \u2013 are sitting pretty!<\/p><p>Let\u2019s say a bank thinks that rates are going to gradually fall over the next 2 years. It might offer its best rate on easy access, a slightly lower rate on 1-year fixed savings and a lower-still rate on 2-year fixed savings. This doesn\u2019t necessarily mean that the 2-year fix is a bad offer \u2013 depending on how much the base rate falls by, you could still beat the market.<\/p><p>Conversely, if a bank think rates are going to rise steadily over the next few years, it might try to lure savers into a long fixed term by offering a super-punchy rate \u2013 knowing that while it\u2019s a bit of a stretch today, it\u2019ll be comfortable for the bank for most of the fixed term.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What does 'fixed' interest rate mean precisely?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It means that the account provider can\u2019t change the rate until the account matures. That is even if the Bank of England modifies the <a href=\"https:\/\/www.bankofengland.co.uk\/monetary-policy\/the-interest-rate-bank-rate\" target=\"_blank\" rel=\"noopener\">base rate<\/a>. As a consequence, you know how much you\u2019ll earn from the start; depending on whether the Bank of England increases, doesn\u2019t change or decreases the base rate, being on a fixed-rate deal could mean that you\u2019re worse off or better off than with a variable deal. Because the base rate is used by banks lending to each other, it inevitably trickles down to individual savers and borrowers sooner or later \u2013 so when the base rate rises or falls, then variable saving\/borrowing rates for consumers soon follow suit.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Do I need to pay tax on the interest?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Depending on your income, you have a tax-free allowance on interest. It\u2019s \u00a31,000 a year for basic 20% rate taxpayers and \u00a3500 a year for higher 40% rate taxpayers. Top 45% rate taxpayers don\u2019t have one, so they have to pay taxes on all the interest they earn. Cash ISAs don\u2019t count towards the allowance.<\/p><p>\u201c<a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\">Fixed-rate cash ISAs<\/a>\u201d do exist, but the rates can be lower. They\u2019re also subject to the maximum amounts that can be contributed each tax year. A further key difference is that banks are legally obliged to let you withdraw your money from an ISA whenever you need to (within reason), but they will typically charge a penalty if you withdraw funds from a fixed-rate cash ISA before the end of the fixed term.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How many fixed-rate bonds can I have?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As many as you like. Some financial institutions only allow a limited number of them, but you can always open more with another bank.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I lose money with a fixed-rate bond?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No \u2013 it\u2019s extremely unlikely, and the bond issuer would need to go bust. Even then, funds are generally FSCS-protected up to \u00a3120,000.<\/p><p>You\u2019re not investing in a fluctuating asset like shares. The worst that\u2019s likely to happen is market interest rates rise above the level at which you fixed, and you could have been better off putting your funds elsewhere.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How does the Bank of England base rate affect savings interest rates?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The base rate is the interest rate the Bank of England pays to commercial banks on the money they hold with them, so this affects how much they can pay you on your savings and how much they charge people to borrow money. The Bank of England changes the base rate as a way of controlling inflation to meet the government\u2019s <a href=\"https:\/\/www.bankofengland.co.uk\/monetary-policy\/inflation\" target=\"_blank\" rel=\"noopener\">target of 2%<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">What will happen to interest rates in the coming months?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It\u2019s difficult to know for sure but you can read our <a href=\"https:\/\/www.finder.com\/uk\/banking\/base-rate-survey\">Bank of England interest rate predictions guide<\/a>, which we compile by consulting a panel of experts.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">FREE interest rate alerts<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, expert tips, and a chance to <strong>win \u00a3400!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fpages%2F218258\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Get the best interest rates with fixed-rate savings accounts and learn how to calculate if they&#8217;re worth the hassle of having your money locked away.<\/p>\n","protected":false},"author":645,"featured_media":0,"parent":17053,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-masthead-two-column.php","meta":{"footnotes":""},"tags":[],"class_list":["post-218258","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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