{"id":353997,"date":"2020-12-01T10:39:00","date_gmt":"2020-12-01T10:39:00","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=353997"},"modified":"2026-02-02T12:17:13","modified_gmt":"2026-02-02T12:17:13","slug":"best-5-year-fixed-rate-bonds","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds","title":{"rendered":"Best 5-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%2F353997\">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>Thinking of getting a 5 year fixed rate bond? Here\u2019s what you need to consider, including the pros and cons of locking your money away for 5 years, and how to compare and choose the one that suits you best.<\/p><h3>What are 5 year fixed rate bonds?<\/h3><p>Fixed rate bonds are a type of savings account that require you to lock away your funds for a set period. You won\u2019t usually be able to add to those funds or make any withdrawals during that time. Those accounts that do allow withdrawals often charge hefty penalty fees.<\/p><p>You can typically choose from a short term fixed rate bond, such as six or nine months. Or you can choose from longer term bonds which typically run for <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-1-year-fixed-rate-bonds\">one<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-2-year-fixed-rate-bonds\">two<\/a>, three, four or five years.<\/p><p>Fixed rate bonds can be a good investment if you have a lump sum to hand and you don\u2019t need to access that money in the near future. Interest rates are fixed for the duration of the bond and are often higher than those on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">easy access savings accounts<\/a>. <\/p><p>Bonds with a 5-year term will generally pay  a better rate than 4-year (or shorter) terms.<\/p>\n\n<p>However, at the moment, you can actually get a better rate (6.25% vs 4.72%) 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 5 years, even if it's at a lower rate.<\/p>\n<p>The downside is that, should overall interest rates rise, your money could be tied up in a bond that is no longer competitive.<\/p><h3>What are the available types of 5 year fixed rate bonds?<\/h3><p>There are various different features and eligibility criteria for 5 year fixed rate bonds. These include:<\/p><ul><li><strong>New vs existing customers<\/strong>: Some fixed rate bonds are only available to those who already have a current account or savings account with that particular savings provider. Make sure you check before you apply.<\/li><li><strong>Online access only<\/strong>: Some bonds can only be opened and managed online. Others might allow you to open them online and then manage them via an app. It\u2019s best to check if you\u2019d prefer to have a branch to go into.<\/li><li><strong>Minimum deposit<\/strong>: The amount you\u2019ll need to pay in when you first open your bond will vary depending on the provider. Typically this will be between \u00a31,000 and \u00a35,000 but some might ask for \u00a325,000 or more.<\/li><li><strong>Initial top-up payments<\/strong>: Many bonds only allow you to pay in one lump sum upon opening the account. But others may allow you to make additional top ups in the first couple of weeks.<\/li><li><strong>Lack of access<\/strong>: Some fixed rate bonds will simply not permit withdrawals during the account\u2019s term, while others will permit them but you\u2019ll have to pay a hefty penalty (usually a loss of interest).<\/li><\/ul><h3>How to find the best 5-year fixed-rate bonds<\/h3><p>Provided you stick to FSCS-covered brands, the key factor is the interest rate. However, if you\u2019re looking to generate a monthly income (in other words you want to have your interest \u201cpaid away\u201d to a separate account that you nominate), bear in mind that not all bonds offer this facility. <\/p><p>You can find the bond with the best interest rate by using a price comparison website (like us!).<\/p><p>Other differences between bonds include how quick and easy it is to open the account, the level of customer service and the terms regarding early withdrawal (although many savers would agree that these factors pale in comparison compared to the returns on offer).<\/p><h3>Are fixed-rate bonds a good investment?<\/h3><p>Most fixed-rate bonds offer zero risk of losing any money.<\/p><p>Fixed-rate bonds and <a href=\"https:\/\/www.finder.com\/uk\/best-fixed-rate-cash-isa\">ISAs<\/a> both tend to offer similar interest rates but bonds have a higher limit on the amount you can save. If you opt for an account which isn\u2019t an ISA, the interest you earn may be taxable.<\/p><p>You\u2019ll usually find the best interest rates on fixed-rate bonds with longer terms. However, on these accounts, you run the risk of interest rates going up while your money is locked away at that fixed rate. What might seem like a fantastic rate today, might be decidedly \u201cmeh\u201d in a year\u2019s time. If only we had a crystal ball!<\/p><p>It\u2019s also generally accepted that investing in securities (say, through a <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA<\/a>) provides better long-term returns, albeit with more volatility and a risk of losing money from your investment.<\/p><p>Still, all things considered, if you\u2019re looking for an investment that offers zero risk, fixed-rate bonds are a good choice.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 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13.1384 13.7222 13.1384 11.9999C13.1384 10.2776 12.1732 8.88338 10.9808 8.88338V8.88653Z\" fill=\"#232320\"><\/path>\n      <\/g>\n      <defs>\n        <clippath id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: What you need to know about tax on savings<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"With interest rates being the highest they\u2019ve been in a long time, there\u2019s now more chance of savers exceeding their personal savings allowance (PSA). The PSA enables basic rate taxpayers to earn up to \u00a31,000 in savings interest tax-free each year and higher rate taxpayers can earn up to \u00a3500. There\u2019s no PSA for additional rate taxpayers.<\/p><p>Most savers haven\u2019t had to worry about paying tax on their savings in recent years. However, figures from AJ Bell show that rising rates mean 1.9 million savers were hit with tax on their savings interest in 2023\/24, rising to 2.07 million in the 2024\/25 tax year. Moving some of your savings to a cash ISA will ensure tax won\u2019t be charged on your savings \u2013 but remember there is an ISA limit of \u00a320,000 a year.\"<\/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=\"Rachel Wait's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?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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17.0565C14.3022 17.0565 13.3401 16.76 12.5073 16.1985C13.6492 15.1576 14.3716 13.6655 14.3716 12C14.3716 9.79824 13.113 7.88984 11.2771 6.94667H15.3179C18.1032 6.94667 20.3712 9.21468 20.3712 12C20.3712 14.7853 18.1032 17.0533 15.3179 17.0533V17.0565Z\" fill=\"#232320\"><\/path>\n        <path d=\"M10.9808 8.88653C10.5992 8.88653 10.2427 9.03163 9.93043 9.28083C10.1859 9.47956 10.3563 9.78553 10.3563 10.1357C10.3563 10.735 9.8705 11.2208 9.27117 11.2208C9.14184 11.2208 9.02197 11.1955 8.90526 11.1545C8.85163 11.4227 8.82324 11.7066 8.82324 11.9999C8.82324 13.7191 9.78849 15.1165 10.9808 15.1165C12.1732 15.1165 13.1384 13.7222 13.1384 11.9999C13.1384 10.2776 12.1732 8.88338 10.9808 8.88338V8.88653Z\" fill=\"#232320\"><\/path>\n      <\/g>\n      <defs>\n        <clippath id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" itemprop=\"url\" target=\"_blank\">\n                                Rachel Wait\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>How much money do you need to open a 5 year fixed rate bond?<\/h3><p>You\u2019ll typically need between \u00a31,000 and \u00a35,000 to open a 5 year fixed rate bond, but some accounts may ask for a larger sum of \u00a325,000 or more. The maximum amount you can usually invest is around \u00a3250,000 but some providers will allow you to save a few million.<\/p><p>Check how long you have to pay in your deposit \u2013 this is typically between 14 and 30 days after opening the account \u2013 and whether you can pay in any extra after the initial lump sum.<\/p><h3>Is your money safe in a 5 year fixed rate bond?<\/h3><p>If you deposit money with a financial institution that has a UK banking licence, the first \u00a3120,000 will be protected under the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS) should your bank go bust. <\/p><p>Limits apply per institution which means if you have accounts with two banks under the same banking group, such as NatWest and RBS, the total cover will only be \u00a3120,000 across both accounts.<\/p><h3>What happens at the end of the 5 years?<\/h3><p>At the end of the 5-year period, your account will \u201cmature\u201d and your provider should pay you the interest you\u2019re owed. You\u2019ll then typically be able to have the money transferred to your current account. Or you can renew your account with the same provider \u2013 usually by choosing a different deal at a different rate of interest.<\/p><h3>An overview of our 5-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\">\n4.72% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n111\n<\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a31\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a39,000,000\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 5-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>You'll typically be rewarded with some of the best savings rates going.<\/li>\n                                    <li>You can deposit more money compared to an ISA.<\/li>\n                                    <li>Your funds can be guaranteed under the FSCS.<\/li>\n                                    <li>If savings rates generally fall over the next few years, your rate won't change.<\/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>You must lock up your funds for the duration of the term (or pay a penalty if you withdraw them sooner).<\/li>\n                                    <li>You may have to pay tax on interest earned.<\/li>\n                                    <li>If savings rates generally rise over the next few years, you could find yourself trapped in an uncompetitive product.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>If you can afford to lock away a lump sum for 5 years, and you have funds in another account you can access in an emergency, a fixed rate bond can be a good place to put your money. Interest rates are often more competitive than other savings options and you\u2019ll have the security that if interest rates drop, your savings rate won\u2019t.<\/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\">Are fixed-rate bonds covered by the FSCS?<\/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>Most UK savings providers are signed up to the FSCS scheme, meaning up to \u00a3120,000 of your savings are protected in the case of the provider folding.<\/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\">Can you lose money on 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=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Fixed rate bonds are generally safe as they are a type of cash savings account. However, you could lose out if interest rates rise and you\u2019re tied in to an uncompetitive account. Penalties can be high should you need to access your funds before the end of the bond 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=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\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=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can usually have as many fixed rate bonds as you choose. Some providers may restrict the number you can open with them, but you should be able to open other accounts 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=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Do I have to pay tax on 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=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Only if the amount of interest you earn exceeds your personal savings allowance. Basic-rate taxpayers can earn up to \u00a31,000 in interest each year tax-free, while higher-rate taxpayers can earn \u00a3500.<\/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\" 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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\n<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%2F353997\">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         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you.<\/p>\n","protected":false},"author":645,"featured_media":339277,"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-353997","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 5 year fixed-rate bonds up to 4.72% fixed<\/title>\n<meta name=\"description\" content=\"Discover the best 5-year fixed-rate bonds, including how to find the best one using the comparison table in our guide.\" \/>\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-5-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 5-year fixed-rate bonds\" \/>\n<meta property=\"og:description\" content=\"Discover the best 5-year fixed-rate bonds, including how to find the best one using the comparison table in our guide.\" \/>\n<meta property=\"og:url\" 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fixed-rate bonds up to 4.72% fixed\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\/best-5-year-fixed-rate-bonds#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/FemaleInvestors_GettyImages_250x250.jpg\",\"datePublished\":\"2020-12-01T10:39:00+00:00\",\"dateModified\":\"2026-02-02T12:15:04+00:00\",\"description\":\"Discover the best 5-year fixed-rate bonds, including how to find the best one using the comparison table in our 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