{"id":341012,"date":"2020-10-07T12:11:59","date_gmt":"2020-10-07T11:11:59","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=341012"},"modified":"2026-02-02T12:17:24","modified_gmt":"2026-02-02T12:17:24","slug":"best-1-year-fixed-rate-bonds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds","title":{"rendered":"Best 1-year fixed-rate bonds"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Please note: This calculator provides estimations based on assumptions such as that you do not make withdrawals. You should always refer to the account provider for exact figures as they may vary from our results. Interest may be taxable.<\/div><\/article><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\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.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\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, 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%2Fposts%2F341012\">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>\n\n<p>If you\u2019ve got a lump sum to save and are looking to get a better interest rate than you might get with an easy access savings account, fixed-rate bonds are worth considering \u2013 but only if you\u2019re sure you won\u2019t need to touch the money for a while. If that sounds like you, then as well as finding the best rates going, you\u2019ll want to know the options and features to consider before you make your choice. So we\u2019ve covered these here.<\/p><h3>What are 1-year fixed-rate bonds?<\/h3><p>A fixed-rate bond is a type of savings account. When you deposit your money in a fixed-rate bond, it\u2019s locked away; you typically can\u2019t add to it or access it. Or if you can access it, there will be a penalty for doing so.<\/p><p>In return for the certainty of having your money for all that time, banks usually offer a better rate of interest than on their <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">easy access savings accounts<\/a> (where you can take out the money any time). What\u2019s more, the rate of interest you get doesn\u2019t change for the period of the bond as it can with an easy access account.<\/p><p>There are fixed-rate bonds for longer periods than one year \u2013 two, three, four and five years or more \u2013 and a few for just six or nine months. <\/p><p>Bonds with a 1-year term will generally pay a better rate than 9-month (or shorter) terms but a worse rate than <a href=\"https:\/\/www.finder.com\/uk\/18-month-fixed-rate-bonds\">18-month<\/a> (or longer) terms.<\/p>\n\n<p>By opting for a 1-year bond you can get a benefit from an extra 1.85% interest (6.25% vs 4.4%) compared to a 9-month bond.<\/p> \n<p>Bonds can be a good way to ring-fence a chunk of money for a special event that\u2019s a year or more away. But if you think you might need access to the money sooner, then there are other options.<\/p><p>These days, some <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\">current accounts<\/a> can pay interest that rivals savings accounts, so before you head straight to a bond, see whether there are other types of account that offer more, including those that don\u2019t tie up your money. The advantage of a bond over a current account is that many current accounts cap the amount of money that they\u2019ll pay decent interest on. So if you have more than a few thousand pounds, and can lock away the money, it\u2019s worth considering a bond.<\/p><h3>What types of bonds can you choose for 1 year?<\/h3><p>Bonds have different features and eligibility criteria. Here are some key differences.<\/p><ul><li><strong>Minimum deposit.<\/strong> The minimum deposit for a 1-year fixed-rate bond can vary from \u00a350 up to \u00a325,000 or more.<\/li><li><strong>Existing vs new customers.<\/strong> Banks offer certain bonds to existing current or savings account customers only. However, there are plenty of providers offering bonds to new customers, and the transfer is typically to and from a \u201cnominated\u201d current account.<\/li><li><strong>Online only.<\/strong> Some bonds are web only \u2013 you must apply online and operate them online. Other bonds can be opened online but you have the option of managing them via an app.<\/li><li><strong>Initial top-up payments<\/strong>. Some bonds allow you to top-up your deposit within the first few weeks; with others, you open the account with one lump sum and then can\u2019t add any more.<\/li><li><strong>Interest payments.<\/strong> Interest can be paid monthly or on the anniversary of the bond.<\/li><\/ul><h3>How to choose the best fixed-rate bonds for one year<\/h3><ol><li>First, be sure you won\u2019t need to access the money for the period in question (a year, in this case). If you have any doubt, it\u2019s best to go for a shorter time period, or look at alternatives such as an easy access savings account or <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas\">ISA<\/a> or a current account that pays interest.<\/li><li>Compare deals for your deposit amount. Some accounts have a minimum deposit of several thousand pounds, but others allow far lower amounts. Don\u2019t assume a higher minimum deposit always gets you a higher interest rate, though this is often the case.<\/li><li>Check for the rate, when interest is paid, and, if you need this, whether you have the flexibility to make additional top-ups in the first few weeks.<\/li><li>Look out for incentives \u2013 some providers, such as <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/raisin-savings-accounts\">Raisin<\/a>, have been known to offer decent sweeteners to attract your custom.<\/li><li>Interest will be paid tax-free, usually on the anniversary when the bond matures. Remember that if you\u2019re a basic-rate taxpayer, you can earn up to \u00a31,000 in interest each year tax-free. For higher-rate taxpayers, the figure is \u00a3500. Additional rate taxpayers have no tax-free allowance. Interest from money deposited into an ISA up to the annual limit is tax-free.<\/li><\/ol><h3>How much money do you need to open a 1-year fixed bond?<\/h3><p>The typical minimum deposit for a bond is \u00a31,000, although there are a few bonds with a minimum of \u00a3500 or less. The maximum deposit can go into millions.<\/p><p>Banks typically ask you to pay the minimum deposit within 30 days of opening the account \u2013 and will close the account if you don\u2019t. Some accounts allow you to make the minimum deposit and top it up in the first few weeks.<\/p><h3>Is your money safe in a 1-year fixed-rate bond?<\/h3><p>If you deposit money in a bank (meaning it has a banking licence) that\u2019s regulated by the UK\u2019s Financial Conduct Authority, your savings will be covered to the tune of \u00a3120,000 if the bank goes bust under the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a>. There are a few banks which rely on a \u201cpassport\u201d to operate in the UK and are regulated in their home country. If those went bust, you\u2019d be relying on regulatory arrangements in the bank\u2019s own country.<\/p><p>Many people don\u2019t realise that the \u00a3120,000 is per institution, so if you have accounts in two banks that are in the same group \u2013 say, RBS and NatWest \u2013 then the total cover is just \u00a3120,000 across both accounts.<\/p><p>Additionally, 1 year isn\u2019t long enough to reliably expect a return from, say, stocks and shares investments, so a fixed-rate bond trumps shares for safety in this relatively short term.<\/p><h3>What happens at the end of the year?<\/h3><p>Hooray \u2013 you can access your money again! The bond has now \u201cmatured\u201d and the provider will typically pay you the interest at this point. You can now choose whether to have your money paid into your current account, or renew with the same provider by choosing another deal that it\u2019s offering, which may have a different rate.<\/p><h3>Is a 1-year fixed-rate bond right for me?<\/h3><p>This will depend on lots of factors, such as what you plan to use the money for, when you\u2019re likely to need it, and whether you have other savings.<\/p><p>It\u2019s a good idea to have some money in an easy access account in case of an emergency. Once you\u2019ve got some savings tucked away in an easy access account, a fixed-rate bond could be worth considering if you\u2019re sure you won\u2019t need access to it during the year.<\/p><p>Fixed-rate bonds can be a great option if you want to earn interest on a lump sum that you plan to use for a specific savings goal later down the line. <\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Fixed-rate bonds are particularly handy when interest rates are high because they let you lock in a decent savings rate for longer\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Katherine Denham, award-winning personal finance expert<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>An overview of our 1-year fixed-rate bonds comparison<\/h3>\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\">\n230\n<\/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>Pros and cons of 1-year fixed-rate bonds<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Rates are typically higher than on easy access savings accounts<\/li>\n                                    <li>Reassurance of knowing the rate can't drop<\/li>\n                                    <li>Many providers covered by Financial Services Compensation Scheme<\/li>\n                                    <li>Ideal if you have a lump sum to invest<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Can't touch your money for a year<\/li>\n                                    <li>If market rates go up during the fixed period, yours won't<\/li>\n                                    <li>You usually can't make additional contributions during the course of the bond<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>A 1-year fixed-rate bond can make sense if you have a lump sum that you want to earn interest on without locking your money away for too long. Perhaps if you\u2019re saving for a house deposit and you know that you won\u2019t be ready to buy a home for at least a year. <\/p><p>If you haven\u2019t used your tax-free cash ISA allowance, consider <a href=\"https:\/\/www.finder.com\/uk\/best-fixed-rate-cash-isa\">fixed-rate cash ISAs<\/a> (and if your lump sum exceeds the ISA allowance, consider splitting it across 2 accounts).<\/p><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\">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=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There\u2019s no limit to the number of fixed-rate bonds you can have. Some providers might limit the number of fixed-rate bonds you can hold with them, but there\u2019s nothing stopping you from opening other fixed-rate bonds 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=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Do I have to pay tax on fixed-rate bonds?<\/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 will depend on which income tax band you\u2019re in and how much interest you earn. Thanks to the personal savings allowance, all basic rate taxpayers can now earn up to \u00a31,000 a year tax-free on any interest from savings and current accounts. Higher rate taxpayers can earn up to \u00a3500, while additional rate taxpayers have no personal savings allowance. <\/p><\/div>\n  <\/div>\n<\/li><\/ul><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><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 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%2Fposts%2F341012\">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>How to get the best 1-year fixed-rate bond. Here&#8217;s what you need to know.<\/p>\n","protected":false},"author":577,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[129735],"tags":[],"asset_tag":[],"class_list":["post-341012","post","type-post","status-publish","format-standard","hentry","category-fixed-rate-bonds"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best 1-year fixed-rate bonds up to 4.75%<\/title>\n<meta name=\"description\" content=\"How to get the best 1-year fixed-rate bond. Pros and cons of 1-year fixed-rate bonds and all the best deals. Here&#039;s what you need to know.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best 1-year fixed-rate bonds\" \/>\n<meta property=\"og:description\" content=\"How to get the best 1-year fixed-rate bond. Pros and cons of 1-year fixed-rate bonds and all the best deals. 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As of now !!\",\"datePublished\":\"2023-03-29 13:43:29\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds#comment-128285\",\"author\":{\"@type\":\"Person\",\"name\":\"John Wright\"},\"text\":\"Why do you not show or recommend any of First save banks Bonds that are on offer.\",\"datePublished\":\"2023-01-24 14:53:41\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds#comment-126161\",\"author\":{\"@type\":\"Person\",\"name\":\"edward\"},\"text\":\"which is the best rate for me to invest \u00a3120,000\",\"datePublished\":\"2022-12-07 14:30:29\"}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-02-02T12:15:11+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Best 1-year fixed-rate bonds up to 4.75%","description":"How to get the best 1-year fixed-rate bond. 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As of now !!","datePublished":"2023-03-29 13:43:29"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds#comment-128285","author":{"@type":"Person","name":"John Wright"},"text":"Why do you not show or recommend any of First save banks Bonds that are on offer.","datePublished":"2023-01-24 14:53:41"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds#comment-126161","author":{"@type":"Person","name":"edward"},"text":"which is the best rate for me to invest \u00a3120,000","datePublished":"2022-12-07 14:30:29"}]},"article_modified_time":"2026-02-02T12:15:11+00:00"},"custom_fields":{"_content_type":["niche-content\/recommendation\/best-guide"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"All you need to know about 1-year fixed bonds. 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