Fixed-rate bonds in the UK
A fixed-rate bond pays a fixed AER for a set term; you usually can't withdraw early. It has the same FSCS protection as savings. Fixed-rate Cash ISAs work the same way but tax-free.
Comparison
| Product | Rate / return | Cost | Conditions | Promo end | Protection | Risk | Verified | Link |
|---|---|---|---|---|---|---|---|---|
| NS&I – British Savings Bonds (fixed) | pending verification | No fees (per NS&I) | Fixed terms; check current issue on NS&I. | n/a | 100% backed by HM Treasury | low Government-backed | ⏳ pending verification official source for NS&I – British Savings Bonds (fixed) | |
| Marcus (UK) – Fixed Rate Savings | pending verification | pending verification | Check terms on the official page. | n/a | FSCS up to £120,000 per person, per authorised bank | low UK-authorised bank | ⏳ pending verification official source for Marcus (UK) – Fixed Rate Savings |
Order: as collected, not a sponsored ranking. "Pending verification" values could not be confirmed on the official website and must not be used to decide. Sources: "official source" link in each row · how we read protection.
Not sure whether to save or invest? Take the Save, invest or both? quiz or read the basics.
Frequently asked questions
Can I access my money?
Usually not before maturity, or only with a penalty. Read the official terms.