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A fixed rate
of interest.
It’s a sure thing

If you can afford to put your money away for at least a year, you can often earn a better rate with a fixed-term account.


Find a fixed rate bond

Find a fixed rate bond to save for the medium to long term by searching our accounts below. Filter to find the right account or alternatively, you can view and compare all our savings accounts.

Fixed Rate Bonds

Fixed Rate Bond Savings Accounts help you plan with confidence, by putting a lump sum away for a set period of time (the ‘term’) and knowing exactly what interest rate your savings will earn. You have this certainty because once your account is open your interest rate will remain fixed throughout the term. In most cases the longer the term, the higher the interest rate.

By surrendering access to your money for a set period of time you can often earn a better rate of interest than you would with an easy access account.

Fixed Rate Bonds may work for you if you:

  • Like to know exactly what your savings will earn
  • Are happy to tie your money up for a better rate

Fixed Rate Bonds not right for you?

Why not take a look at our other types of savings accounts?

Interest rates

Find and compare the rates of all our savings accounts, at a glance.

Help & support

Find out more about how to open accounts, make deposits and access your money.

Your questions answered

    Visit a branch or agency

    Enter a town, city or postcode to find your nearest branch.

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    Important information

    Fixed Rate Bonds are limited issue products and can be withdrawn at any time. If you wish to make deposits to a Fixed Rate Bond we recommend that you arrange this immediately to avoid disappointment. Any payments received after the Fixed Rate Bond has been withdrawn will be returned to you.

    Need help with interest definitions?

    If you are unclear what something means, our Savings glossary can help.

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