Best Fixed Rate Bonds in the UK in 2026

What is a fixed-rate savings bond?

A fixed-rate savings bond (also known as a 'fixed rate bond)' is a type of savings account which provides a guaranteed rate of interest in exchange for locking your money away for a specified period of time, usually between 1 year and 5 years. By locking your money away for the agreed period of time you can usually earn a higher rate of interest than via standard savings accounts. However, bear in mind that in most instances, you won't be able to withdraw your money from the fixed-rate bond before the agreed time period. In the unusual instance that a provider does allow you to withdraw your money early, then you will likely incur a penalty and/or lose interest.

Best Fixed Rate Bonds

theprivateoffice.co.uk monitors the whole UK savings market (that's over 4,000 accounts) to bring together the best buys available.

Best 1-year fixed-rate savings accounts

Provider	AER	Minimum opening balance	How to manage the account	How to apply	Financial Services Compensation Scheme
MBNA	4.85%	£1,000	Telephone	Online	Shared Licence
Recognise Bank	4.85%	£1,000	Online	Online	Own Licence
thisbank	4.82%	£100	Online	Online	Own Licence

Source: theprivateoffice.com: Updated 03/06/2026

Best 2-year fixed-rate savings accounts

Provider	AER	Minimum opening balance	How to manage the account	How to apply	Financial Services Compensation Scheme
Recognise Bank	4.85%	£1,000	Online	Online	Own Licence
Hodge Bank	4.83%	£1,000	Online	Online	Own Licence
RCI Bank	4.82%	£1,000	Mobile app	Mobile app	Own Licence

Source: theprivateoffice.com: Updated: 03/06/2026

Best 3-year fixed-rate savings accounts

Provider	AER	Minimum opening balance	How to manage the account	How to apply	Financial Services Compensation Scheme
Oxbury	4.83%	£1,000	Online, Mobile Banking	Online	Own Licence
thisbank	4.82%	£100	Online	Online	Own Licence
Hodge Bank	4.81%	£1,000	Online	Online	Own Licence

Source: theprivateoffice.com: Updated 03/06/2026

Best 4-year fixed-rate savings accounts

Provider	AER	Minimum opening balance	How to manage the account	How to apply	Financial Services Compensation Scheme
ThisBank	4.82%	£100	Online, Mobile Banking	Online, Mobile	Own Licence
Oxbury Bank	4.58%	£1,000	Online, Mobile Banking	Online	Own Licence
Aldermore	4.55%	£1,000	Online	Online	Own Licence

Source: theprivateoffice.com: Updated 03/06/2026

Best 5-year fixed-rate savings accounts

Provider	AER	Minimum opening balance	How to manage the account	How to apply	Financial Services Compensation Scheme
Oxbury Bank	4.88%	£1,000	Online, Mobile Banking	Online	Own Licence
GB Bank	4.87%	£1,000	Online, Mobile Banking	Online	Own Licence
Hodge Bank	4.86%	£1,000	Online	Online	Own Licence

Source: theprivateoffice.com: Updated 03/06/2026

Other best buy savings tables

The following savings best buy tables are also available:

Ways to always ensure you get the best savings rate

Bookmark this page and regularly check our best buy tables, such as the one below.
Work out your priorities - do you need access to your money or can you lock it away for potentially greater returns?

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Article Contents

What is a fixed-rate savings bond?Best Fixed Rate Bonds Best 1-year fixed-rate savings accounts Best 2-year fixed-rate savings accounts Best 3-year fixed-rate savings accounts Best 4-year fixed-rate savings accounts Best 5-year fixed-rate savings accounts Ways to always ensure you get the best savings rate

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Best Fixed Rate Bonds in the UK in 2026

What is a fixed-rate savings bond?