{"id":343102,"date":"2020-10-12T11:52:48","date_gmt":"2020-10-12T10:52:48","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=343102"},"modified":"2026-02-02T11:34:31","modified_gmt":"2026-02-02T11:34:31","slug":"best-2-year-fixed-rate-bonds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-2-year-fixed-rate-bonds","title":{"rendered":"Best 2 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%2F343102\">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\u2019re looking for a home for your savings, and you won\u2019t need to access them for 2 years, a 2 year fixed rate bond is a good option, if you can find one paying a decent amount of interest. Here\u2019s what you need to consider, including the pros and cons and how to compare and choose the best one for you.<\/p><h3>What are 2 year fixed rate bonds?<\/h3><p>Fixed rate bonds involve depositing a set amount of money for an agreed period of time at a fixed interest rate. With 2 year fixed rate bonds, the money is locked in for a period of 2 years, although there are other <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\">fixed terms available<\/a>, which usually range from <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds\">1<\/a> to <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds\">5<\/a> years.<\/p><p>With a 2 year fixed rate bond, normally you won\u2019t be able to add money to the savings pot or withdraw it for the duration of that 2 years. The interest rate you get is fixed from the start, which provides certainty on your level of return (although that\u2019s not so great if interest rates go up elsewhere in the meantime).<\/p><p>There is usually a chunky minimum deposit required, so a 2 year fixed rate bond could be a good option if you have a lump sum available that you know you won\u2019t need to get your hands on again in the immediate future.<\/p><p>Bonds with a 2-year term will generally pay a better rate than <a href=\"https:\/\/www.finder.com\/uk\/18-month-fixed-rate-bonds\">18-month<\/a> (or shorter) terms but a worse rate than <a href=\"https:\/\/www.finder.com\/uk\/best-3-year-fixed-rate-bonds\">3-year<\/a> (or longer) terms.<\/p>\n\n<p>However, at the moment, you can actually get a matching rate (4.7%) on a <a href=\"https:\/\/www.finder.com\/uk\/18-month-fixed-rate-bonds\">18-month term<\/a> or a better rate (6.25%) on a <a href=\"https:\/\/www.finder.com\/uk\/best-1-year-fixed-rate-bonds\">1-year term<\/a>. If you suspect that interest rates are likely to start to come down, then you may still prefer to \"lock in\" for 2 years, even if it's at a lower rate.<\/p>\n<h3>What are the available types of 2 year fixed rate bonds?<\/h3><p>These are two main types of fixed rate bonds:<\/p><ul><li><strong>Normal fixed rate bonds<\/strong> provide a fixed interest rate for the duration of the bond (in this case, 2 years).<\/li><li><strong>Tracker rate bonds<\/strong> involve fixing the interest rate at an agreed level above the Bank of England base rate. So for example, these might offer a rate of 1% higher than the base rate until the end of the 2 year term \u2013 which technically means there\u2019s a chance the interest rate could fluctuate if the BoE decides to change its base rate.<\/li><\/ul><h3>How to choose the best 2 year fixed rate bond<\/h3><p>The best 2 year fixed rate bond for you will be the one that best meets your individual needs. So here are some points to consider when choosing your account:<\/p><ul><li><strong>Interest rate.<\/strong> This is arguably one of the top factors when selecting your bond since you want your money to earn the best interest rate possible if it is tied in for 2 years.<\/li><li><strong>How interest is paid.<\/strong> Want to generate a monthly income by getting the interest \u201cpaid away\u201d to another account? Most bonds support this, but not all. Some insist that the interest is left and allowed to compound.<\/li><li><strong>Account opening and management.<\/strong> Can you easily open the account online or do you need to go into a branch? And can you then manage or view your savings online or from a mobile app if that\u2019s what you would prefer?<\/li><li><strong>Eligibility.<\/strong> Some providers reserve the best bond products for their existing customers (who already have a current or savings account with them, for example). If you have an eye on a particular bond, check that it\u2019s available to new customers.<\/li><li><strong>Minimum deposit.<\/strong> You might need a minimum deposit of around \u00a31,000 for the accounts with the best interest rates. So make sure you have that lump sum available and can afford not to have to withdraw it again for the 2 years.<\/li><\/ul><h3>How much money do you need to open a 2-year fixed rate bond?<\/h3><p>Typically, there is a minimum deposit of \u00a3500 or \u00a31,000 required to open a 2-year fixed rate bond. There are some accounts that can be opened with as little as \u00a31, but it\u2019s not usually worth opening a fixed rate bond with as little as this, unless your provider permits additional deposits. <\/p><p>The maximum amount you can put into one of these bonds is usually capped at around the \u00a3250,000 mark, but some providers will potentially let you put in millions of pounds (if you\u2019re lucky enough to have that much to spare!).<\/p><p>When thinking about how much money to place in your bond, remember there is tax payable on the earnings from savings interest, although everyone gets a yearly allowance before the tax liability kicks in. Basic-rate taxpayers can earn up to \u00a31,000 in interest each year tax-free, and for higher-rate taxpayers, it\u2019s \u00a3500. Additional rate taxpayers have no personal savings allowance. <\/p><h3>Is your money safe in a 2-year fixed rate bond?<\/h3><p>Funds deposited at a financial institution with a UK banking licence are protected by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme (FSCS)<\/a> up to the value of \u00a3120,000 per person. <\/p><p>But you must be mindful that these limits apply to each bank (or banking group), so if you have a current account and several savings accounts with one provider containing funds totalling more than \u00a3120,000, any amount over this threshold won\u2019t be covered.<\/p><p>Money deposited with financial providers that don\u2019t have a UK banking licence also won\u2019t be covered specifically by the FSCS. Although if the provider is regulated by the FCA and is allowed to take customer deposits in this country, it must have other safeguards in place, such as ring-fencing its customers\u2019 money in accounts held at UK banks.<\/p><h3>What happens at the end of the 2 years?<\/h3><p>It\u2019s time to cash out! As the bond will have reached the end of its fixed term (or \u201cmatured\u201d), your provider will pay you the interest you\u2019ve earned during this time, and you can then draw out your original lump sum plus the interest. Typically, you can choose to have this paid back into your current account or into another fixed term bond if you\u2019d like to continue saving.<\/p><h3>An overview of our 2-year fixed-rate bond 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\">\n4.7% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n199\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 2 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>Good option for investing a lump sum in the medium term<\/li>\n                                    <li>Have certainty on the interest rate over the 2 years<\/li>\n                                    <li>Generally higher interest rates on offer than with easy access savings accounts<\/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>Not suitable if you think you may need to access your savings before the 2 years are up<\/li>\n                                    <li>Risk that interest rates in the wider market may go up after your interest rate is locked in<\/li>\n                                    <li>High minimum deposit usually required, often about \u00a31,000<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Interest rates have shot up over the last few years, thanks to the Bank of England raising the base rate, and that means you have lots of options when it comes to fixed-rate savings accounts. Before you open one, always check things like the minimum amount you need to deposit to open the account and also any penalties if you decide to close it within the 2 years. This will normally be a loss of interest or closure of the account but the terms differ depending on the account and the provider.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rebecca Goodman, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Bottom line<\/h3><p>As with any other type of savings account, locking money away into a 2-year fixed bond comes with advantages and disadvantages. But the key thing to bear in mind with a fixed-rate bond of any term up to 5 years is that they can offer a better return than if you had placed your money in an <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">easy access savings account<\/a> over the same period.<\/p><p>So, if you have at least \u00a3500 \u2013 \u00a31,000 in spare cash and want to save for a medium term goal, you may want to look at placing it in a 2 year fixed rate bond. Just be confident that you won\u2019t need access to that money in the meantime, as the penalty fees for withdrawing before the end of the fixed term can be substantial.<\/p><p>If you\u2019re looking at saving for a much longer time horizon, say for 10 years or more, you\u2019re more likely to get a better return on your money by investing it. To find out more about how to choose what kind of investments may suit you, take a look at our <a href=\"https:\/\/www.finder.com\/uk\/investments\">investments guide<\/a>.<\/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\">Can I move my savings between fixed rate bond providers like I can with a Cash ISA?<\/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>If your fixed term hasn\u2019t ended yet, then the answer is no, not without incurring a financial penalty.<\/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's the maximum amount of money I put into a 2 year 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=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The maximum amount you can put into one of these bonds is usually capped at around the \u00a3250,000 mark, but some providers will potentially let you put in millions of pounds (if you\u2019re lucky enough to have that much to spare!). Check the terms and conditions of any account before you apply.<\/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 taxes on the interest I earn?<\/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 called \u201cpersonal savings allowance\u201d (PSA). 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><\/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 open?<\/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.<\/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. 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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\" 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option.<\/p>\n","protected":false},"author":867,"featured_media":343313,"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-343102","post","type-post","status-publish","format-standard","has-post-thumbnail","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 2-year fixed-rate bonds up to 4.7%<\/title>\n<meta name=\"description\" content=\"Planning to save your money into a fixed rate bond? Here&#039;s how to compare deals and find the best 2-year option out there.\" \/>\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-2-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 2 year fixed rate bonds\" \/>\n<meta property=\"og:description\" content=\"Planning to save your money into a fixed rate bond? 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