Best 18 Month Fixed Rate Bonds
We found 36 PRODUCTS in total, of which 14 are EASY TO OPEN
Hampshire Trust Bank 18 Month Online Fixed Saver (Issue 36)
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 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.
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.
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Compare and open competitive FSCS-protected savings accounts from over 40 banks and building societies. No faff. No fuss. No fees.
Close Brothers Savings 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.
Perenna 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.
Lock in a great rate and watch your savings grow. Our 24-month Fixed Term account offers a competitive 4.55% AER – no hidden fees, no fuss. Start saving from as little as 1. FSCS Protected.
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.
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.
Trusted by moneyfactscompare.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.
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.
Buckinghamshire BS Bucks Fixed Rate Bond Issue 235 to 30/11/2027
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.
We aim to make financial planning open and accessible to everyone. Book your free initial consultation with Seeker Financial Planning for advice on Investments and Pensions between £20,000 and £100,000.
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.
Cambridge BS 18 Month Fixed Rate Bond (Issue 2)
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.
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.
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.
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.
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.
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.
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An 18-month bond is a type of fixed savings account that locks your money away for 18 months and offers a guaranteed rate of interest in return. By locking in for 18 months you could have the ideal combination – an account that pays a guaranteed rate, without losing access to your savings for too long.
It could be perfect for those who have a specific goal in mind with a set timeframe (such as an upcoming wedding or house move), or who want the security of knowing that their rate can’t fall for 18 months.
When you open an 18-month fixed rate bond, you’ll be expected to deposit a lump sum in the account. The provider will usually specify the minimum opening deposit required and, depending on the individual terms, you may be able to add to your account for a limited period.
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. Different accounts will pay interest at different times – you may be able to choose to have the interest paid on the anniversary of when you opened the account, 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. This means you need to be confident that you can keep the money locked away for the full 18-month period,. At the end of the term your account matures and the money will be returned to you, normally by being paid into a linked or nominated account. Your provider should write to you ahead of time to let you know your options.
The first step is to compare the best 18-month bond rates and find the account that suits your needs.
Make sure to pay particular attention to opening methods and any additional opening criteria – some accounts specify that you can only open the account in person or by post, while others expect you to download a mobile app, for example. Similarly, you may need to have a current connection with the provider, such as already being a customer or being a member of the particular credit union. You can check for this type of criteria by clicking on “product specification” in the chart above.
Once you’ve found an account that works, you’re free to open it using one of the methods offered. No matter which method you choose you’ll be expected to fill in an application form, and will need to provide documents such as proof of ID and address. You may also be expected to link a current account to the bond for transactional purposes, but this will all be explained to you by your individual provider.
Then you simply need to make the opening deposit required. Note that the minimum will typically be higher than for easy access accounts, often at least £1,000, so make sure that this fits within your budget.
Here are a few things to bear in mind if you’re considering an 18-month bond:
The rate is arguably the most important one, as the higher the rate, the more interest you’ll be earning on your deposit and the quicker your savings can mount up. But there are other things to consider too – sometimes the highest rate available may not have opening criteria or deposit requirements that suit your needs, for example, so it’s important to look beyond rate alone.
This can be a surprisingly important consideration – let’s say you’re not particularly tech savvy but the best 18-month bond expects you to open and operate the account via mobile app. If you’re not comfortable with that, you’ll need to look at other options.
If you’ve only got £2,000 to lock away but the minimum deposit requirement for your ideal account is £10,000, you won’t be able to open it. Note that you can tailor the chart results above by specifying the amount you want to save, showing you only the accounts that will meet your requirements.
You may like the ability to add to your pot for a set period, or perhaps you’d prefer the flexibility of being able to access your money in an emergency. If these types of considerations are important to you, make sure to check the product specifications to find an account to suit (though remember that early access is rarely possible with this type of bond).
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're 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. They can be ideal if you’ve got something specific to save towards, such as a wedding, house deposit or home improvements, or a once-in-a-lifetime trip.
However, if you think there’s a chance that you’ll need to access your savings in the next year and a half, or if you’d like to add to your savings pot more regularly, 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:
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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
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