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Best 4 Year Fixed Rate Bonds

If you don’t require access to your savings for a long period of time, a 4 Year Fixed Rate Bond could be a good home for your funds.

Use our charts below to begin comparing the Best 4 Year Fixed Rate Bonds and view the best rates from all providers.

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Browse Fixed Rate Bond Terms

Best 4 Year Fixed Rate Bond Rates

Best 4 Year Fixed Rate Bond Rates

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We found 20 products in total, of which 5 have links to providers.

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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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  • Isbank Raisin UK - 4 Year Fixed Term Deposit
    AER
    4.50%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Yearly
    Go To Provider's Site
  • Bank of London and The Middle East 4 Years Premier Deposit Account
    AER
    4.30%
    Expected Rate
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    Go To Provider's Site
  • RCI Bank UK 4 Year Fixed Term Savings Account
    AER
    4.25%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.25%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Emirates NBD HL Active Savings - 4 Year Fixed Term Deposit
    AER
    4.09%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    On Maturity
    Go To Provider's Site
  • Aldermore 4 Year Fixed Rate Savings Account
    AER
    4.00%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.00%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Oxbury Bank Personal 4 Year Bond Account - Issue 6
    AER
    4.31%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Anniversary
  • Zopa 4 Year Fixed Term Savings
    AER
    4.30%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • UBL UK 4 Year Fixed Term Deposit
    AER
    4.26%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    AER
    4.26%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    AER
    4.26%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • UBL UK Raisin UK - 4 Year Fixed Term Deposit
    AER
    4.26%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    On Maturity
  • United Trust Bank UTB 4 Year Bond
    AER
    4.25%
    Account Type
    Fixed
    Term
    4 Year Bond
    Interest Paid
    Anniversary
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 four year fixed rate bonds

At a glance

  • Four year fixed rate bonds can pay higher rates of interest than shorter-term bonds, as well as easy access or notice accounts.
  • Make sure you can commit your funds for the full term.
  • You may only be able to make one deposit into your bond, and are unlikely to be able to make withdrawals. 

Why choose a four year fixed rate bond?

Prepared to tie-up your money over a four year term? Often achieving better rates than shorter-term alternatives, a four year fixed rate bond might be for you if you want to enjoy a top savings rate. The best rates are usually offered by challenger banks.

Factors to consider

The most important consideration when taking out a four-year fixed rate bond is that you are as certain as you can be that you will not need access to those funds within the time period of the bond. When investing in this type of product, you are essentially promising that you will not withdraw or close the account until the bond matures. In return, the bank is guaranteeing that they will pay the fixed interest rate advertised for the whole four years.

What happens if I need early access to some or all my monies?

In return for not withdrawing funds, the bank is offering you a better interest rate than shorter-term alternatives. Consequently, there are heavy restrictions on early access and penalties for withdrawals. In many instances, withdrawals may be forbidden or may lead to your account being automatically closed – even if you do not wish to withdraw all your funds. A few four year fixed rate bonds may allow very restricted early access, but it is likely that this will be penalised by a significant – perhaps even an entire – loss of interest.

In all cases, it will be important that you can reasonably commit to not touching your funds for the full duration of the bond. If this could be a challenge, consider a three year fixed rate bond or a two year fixed rate bond

Don't recognise a fixed rate bond provider?

A trend in the fixed rate bond market is for the best rates to be offered by smaller, relatively unknown banks. These are referred to as challenger banks, however, you should not any have any concerns that your money is any less safe with one of these institutions than with one of the bigger, high street brands. All banks and building societies listed by Moneyfactscompare.co.uk are part of the Financial Services Compensation Scheme. As such, the first £85,000 you have saved is fully protected should the bank or building society fail.

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Ashley Seager

Digital Marketing Manager

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