Best 18 Month Fixed Rate Bonds
We found 37 PRODUCTS in total, of which 11 are EASY TO OPEN
United Trust Bank UTB 18 Month Bond
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
AlRayan Bank Meteor Savings - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
AlRayan Bank Raisin UK - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
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Bank of London and The Middle East 18 Months Premier Deposit Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Punjab National Bank (International) Limited Raisin UK - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
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Aldermore Raisin UK - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Kent Reliance HL Active Savings - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
LHV Bank HL Active Savings - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
LHV Bank Raisin UK - 18 Month Fixed Term Deposit
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Aldermore 18 Month Fixed Rate Savings Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Cambridge BS 18 Month Fixed Rate Bond (Issue 7)
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Sidekick Sidekick 18 Month Fixed Term Savings Account 6
This provider is not a bank and does not offer its own savings accounts. It offers accounts that are provided by other regulated banks and your savings are protected by the Financial Services Compensation Scheme, up to the £120,000 limit, in the name of the bank providing the account. Any money you save via this account will be added to any money you already hold with the account provider for the purposes of FSCS protection and any money over the £120,000 limit will not be protected.
Castle Community Bank Fixed Rate Savings
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
OakNorth Bank Fixed Term Savings Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Eligible deposits with UK institutions are protected by the FSCS up to £120,000 per person per institution.
Who owns whom?
Find out which banks and savings account providers operate under which banking license with our who owns whom guide, helping savers work out to what degree their savings are protected by the FSCS.
DisclaimerAll rates subject to change without notice. Please check all rates and terms before investing or borrowing.
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When you open an 18-month fixed rate bond, you typically need to deposit a lump sum in the account. The provider will usually specify the minimum opening deposit required and, depending on the individual terms of the account, you may be able to continue to add to your account for a limited amount of time.
The interest rate on an 18-month bond is fixed, which means it won’t change for the duration of the term and the return on your money is guaranteed. You may be able to choose to have the interest paid on anniversary, on maturity or monthly, for example.
Note that, as with the majority of fixed bonds, most 18-month bonds won’t allow you to withdraw your money before the end of the term,
Your money should be as safe in an 18-month fixed rate bond as in any other type of savings account.
All savings providers need to be regulated by the Financial Conduct Authority (FCA) and the money you deposit is protected by the Financial Services Compensation Scheme (FSCS).
The FSCS will compensate you for any money you lose if a savings provider fails, up to a maximum of £120,000 per provider. Make sure you check which providers share a banking licence as the maximum limit applies to your total deposits under each licence, not each individual provider.
An 18-month fixed rate bond may be worth considering if you are comfortable locking away your money for more than one year but don’t want to commit to two years or longer.
These bonds allow you to secure a guaranteed rate of interest for 18 months, which can be appealing if you know you won’t need to use the money for this length of time.
However, if you think there’s a chance that you will need to access your savings in the next year and a half, this type of fixed rate bond may not be the right option for you.
If a fixed bond isn’t right for you, there are other types of savings accounts that may be more suitable for your situation, including: