Home Savings Accounts 5 Year Fixed Rate Bonds
A 5-year Fixed Rate Bond could be a good home for yoursavingsif you don't need to access your funds for 5 years.Fixed Rate Bondsoften offer better rates thannotice accountsoreasy access accounts.
Ready to compare rates? Start your comparison below and personalise the chart by specifying the size of your investment amount.
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Browse Fixed Rate Bond Terms
Best 5 Year Fixed Rate Bond Rates
Best 5 Year Fixed Rate Bond Rates
We found 55 products in total, of which 10 have links to providers.
Selecting ‘Provider Links First’ brings all products that you can apply for directly via Moneyfacts to the top of the chart in rate order. Products that do not have an ‘Go To Provider's Site’ button will appear below, again in rate order. Selecting ‘Rate’ will change the chart to list all products in rate order. Products that have ‘Go To Provider's Site’ links will still be in the list but in rate position.
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Hampshire Trust Bank 5 Year Bond (Issue 36)
AER
4.54%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Anniversary
Opening Account
Managing Account
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UBL UK Raisin UK - 5 Year Fixed Term Deposit
AER
4.52%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
On Maturity
Opening Account
Managing Account
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Al Rayan Bank Raisin UK - 5 Year Fixed Term Deposit
AER
4.50%
Expected Rate
Account Type
Fixed
Term
5 Year Bond
Interest Paid
On Maturity (Compounded Annually)
Opening Account
Managing Account
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Isbank Raisin UK - 5 Year Fixed Term Deposit
AER
4.50%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Yearly
Opening Account
Managing Account
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Isbank Raisin UK - 7 Year Fixed Term Deposit
AER
4.50%
Account Type
Fixed
Term
7 Year Bond
Interest Paid
Yearly
Opening Account
Managing Account
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Bank of London and The Middle East Premier Deposit Account (Anticipated Profit Rate)
AER
4.30%
Expected Rate
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Anniversary
Opening Account
Managing Account
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Aldermore 5 Year Fixed Rate Savings Account
AER
4.00%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Anniversary
Further Options ˅
Opening Account
Managing Account
AER
4.00%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Monthly
Opening Account
Managing Account
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Bank of London and The Middle East Premier Deposit Account (Anticipated Profit Rate)
AER
4.00%
Expected Rate
Account Type
Fixed
Term
7 Year Bond
Interest Paid
Anniversary
Opening Account
Managing Account
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Paragon Bank 5 Year Fixed Rate Savings Account
AER
4.00%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Anniversary
Further Options ˅
Opening Account
Managing Account
AER
4.00%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Monthly
Opening Account
Managing Account
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RCI Bank UK Fixed Term Savings Account
AER
4.00%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Anniversary
Further Options ˅
Opening Account
Managing Account
AER
4.00%
Account Type
Fixed
Term
5 Year Bond
Interest Paid
Monthly
Opening Account
Managing Account
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_Savings_RaisinUK-5YearFixedTermDeposit(88917)_125x100.png "Best 5 Year Fixed Rate Bonds | Rates Up To 4.55% (39)")
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With Hargreaves Lansdown’s Active Savings platform you can get great rates from multiple banks – in one easy online account.
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Get a free review of your savings and investments
Trusted by moneyfacts.co.uk, Kellands are chartered financial planners that specialise in quality financial planning and investment advice. Learn more about speaking to Kellands for a one hour consultation free of charge. Min. £100k in savings & investments.
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Depositor Protection
Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme (FSCS) up to a maximum level of protection of £85,000 per person per institution. All new savings or bank accounts provided to UK customers are now covered by the FSCS.
Disclaimer
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
Provider Links
‘Go To Provider's Site’ links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use ‘Speak to A Broker’ links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go To Provider's Site' or 'Speak To A Broker' button, when you call an advertised number or when you complete an application following a link from our website.
A guide to 5 year fixed rate bonds
At a glance
- Long-term fixed rate bonds offer the very best bond rates.
- Make sure you won’t need access to your funds for the full term.
- A significant interest penalty is likely to be charged if early access to funds is allowed.
- Think carefully about what might happen to interest rates in the future.
What is a five year fixed rate bond?
Falling into the category of long-term savings, a five year fixed rate bond is an excellent way to garner some of the best interest rates available on the market. In exchange for not touching the money deposit for the set period, the bank or building society will pay a preferential rate – often well beyond the kind of returns you can find for easy access accounts or fixed rate bonds with shorter terms.
Pros and cons of five year fixed rate bonds
A definite plus point of five year fixed rate bonds is the very favourable interest rates available for many long-term savings products. In exchange for your commitment not to touch your cash for such a long period, banks and building societies are keen to offer attractive rates, and competition in this area means that you can find a great offer by using our comparison tables.
In addition, many accounts of this length offer a variation paying interest on a monthly, rather than yearly basis. This can be an excellent benefit if you are investing a significant sum and plan to live on the income or just use it to supplement your monthly revenue.
On the other hand, the biggest disadvantage of this kind of long-term investment is the fact that five years is a considerable time to lock away your cash. If you are considering a five year fixed rate bond, then it pays to think carefully about the reality of whether or not you can afford to be without these funds for such a long period. Even if you are allowed to have early access – and most accounts will not – then you will likely face a significant loss of interest.
Who offers the best return on a five year fixed rate bond?
Many of the best savings rates available in the five year fixed rate bond marketplace are offered by smaller, relatively unknown banks who are new to the market – often referred to as challenger banks. Your money is just as safe in these institutions as it is in any high street bank. All banks and building societies we list are part of the Financial Services Compensation Scheme. Consequently, you can feel assured that the first £85,000 you have saved is protected if the bank or building society were to collapse.
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