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Best 12-month fixed-rate bond rates in United Kingdom

Best 12-month rate per provider for a £10,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
NS&I (National Savings and Investments)British Savings Bonds (Guaranteed Growth Bonds)	4.99%≈ £499 in 12 months	12 months	£500 +	Board rate Opening deposit £500+; Taxable, paid gross; Backed by HM Treasury	Go to bank
Atom bankFixed Saver	4.90%≈ £490 in 12 months	12 months	£50 – £100,000	Board rate £50 to £100,000 during the deposit window; App only; AER shown (annual interest option)	Go to bank
Aldermore BankFixed Rate Savings Account	4.88%≈ £488 in 12 months	12 months	£1,000 +	Board rate Minimum opening balance £1,000; No withdrawals, transfers out or closures before maturity	Go to bank
Shawbrook BankFixed Rate Bond	4.78%≈ £478 in 12 months	12 months	Not stated	Board rate Money locked in for the term of the bond	Go to bank
Marcus by Goldman Sachs (UK)1 Year Fixed Rate Saver	4.75%≈ £475 in 12 months	12 months	up to £250,000	Board rate Up to £250,000, deposited within 14 days of opening	Go to bank
HSBC UKFixed Rate Savings Account	4.50%≈ £450 in 12 months	12 months	£2,000 +	Board rate Minimum deposit £2,000	Go to bank
Nationwide Building SocietyFixed Rate Online Bond	4.50%≈ £450 in 12 months	12 months	Not stated	Board rate Via Online; UK residents aged 16 or over; No withdrawals until the term ends	Go to bank
Santander UKFixed Term Saver	4.45%≈ £445 in 12 months	12 months	£500 +	Board rate UK resident aged 16 or over; Open with £500 or more	Go to bank
Barclays1-Year Fixed-Rate Bond	4.25%≈ £425 in 12 months	12 months	£500 +	Board rate £500 or more; No withdrawals	Go to bank
NatWestFixed Term Savings	4.11%≈ £411 in 12 months	12 months	£1 – £99,999	Board rate Age 16+, UK resident; Account closure required to access funds early	Go to bank
Lloyds BankUpfront Interest 1 Year Online Fixed Bond	4.00%≈ £400 in 12 months	12 months	£500 +	Board rate Via Online; Minimum deposit £500; Interest paid upfront; No withdrawals or early closure; Extra 0.20% AER/gross with a Lloyds Premier or Private Banking account	Go to bank

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Deposit protection: FSCS (Financial Services Compensation Scheme)

Limit£120,000

Since 1 December 2025 the FSCS protects deposits at UK-authorised banks, building societies and credit unions up to £120,000 per eligible person, per authorised firm (previously £85,000). Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.