Best 3 Year Fixed Rate Bonds
We found 96 PRODUCTS in total, of which 22 are EASY TO OPEN
AlRayan Bank Meteor Savings - 3 Year 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.
Investec Save 3-Year Fixed Rate Saver
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 this bank/building society shares its compensation limit with
Investec Bank plc.
AlRayan Bank Raisin UK - 3 Year 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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RCI Bank UK 3 Year 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.
RCI Bank UK Raisin UK - 3 Year 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.
Our new equity bonds are designed to help you grow your money with the security of FSCS protection. Higher potential returns of up to 6.91% AER, same peace of mind.
UBL UK Raisin UK - 3 Year 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 3 Year 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.
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.
Habib Bank Zurich plc HBZ Fixed Rate e-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.
Habib Bank Zurich plc HBZ Sirat e-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.
ICICI Bank UK HL Active Savings - 3 Year 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.
Investec Bank plc HL Active Savings - 3 Year 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.
In the UK this bank/building society shares its compensation limit with
Investec Save.
Close Brothers Savings HL Active Savings - 3 Year 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.
iFAST Global Bank 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 - 3 Year 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.
thisbank 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.
Chetwood Bank HL Active Savings - 3 Year 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.
In the UK this bank/building society shares its compensation limit with
SmartSave.
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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Three-year bonds work in much the same way as other types of fixed savings accounts; you must be prepared to lock away your funds for a specified amount of time and, in return, you’ll receive an interest rate that is guaranteed not to change throughout the duration of the term.
To get started, you’ll need a lump sum you’re looking to grow or earn a monthly income from. Minimum deposits vary based on account and provider, but typically range anywhere from just £1 to £10,000 or more. While you won’t be able to access your cash throughout the term, you may be able make further additions for a small window of time if permitted by your bank or building society.
Returns are most often accrued monthly, yearly, on anniversary or on maturity and will either need to be paid away or compounded. Once the fixed term comes to an end, you’ll then be able to withdraw or reinvest your pot.
*Ongoing volatility in the savings market means that some variable accounts and shorter-term bonds currently offer higher rates than their longer-term equivalents.
So long as your three-year fixed bond is covered by the Financial Services Compensation Scheme (FSCS), you can be safe in the knowledge your funds are protected should your savings provider go out of business.
The FSCS protects deposits up to £120,000 held under one banking licence; to find out which financial institutions share a licence, read our who owns whom guide. Meanwhile, to check whether your account or provider is covered by the scheme, look for the ‘FSCS Protected’ badge next to a listing on our chart or visit the FSCS website.
If it’s likely you’ll need access to your cash in the next few years, a three-year bond may not be the best choice. Instead, you could compare more flexible options, such as an easy access savings account or notice account.
Alternatively, if you’re worried about earning enough in interest to exceed your Personal Savings Allowance (PSA), you may want to consider a tax-wrapper for your funds. Any returns from Individual Savings Accounts (ISAs), for instance, are automatically tax-free.
Fixed bonds offer a wide range of different terms to suit a variety of goals and circumstances. If you’re not comfortable locking away your savings for three-years, you could explore shorter-term options, such as two-year bonds, one-year bonds, or even bonds of less than a year.
However, if you want to secure a fixed savings rate for longer, you could consider either a four-year bond or five-year bond.
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