More than 1 million savers worldwide
Fixed rate bonds: rates up to 4.50% AER
✓ Access FSCS-protected savings accounts
✓ Terms from 3 months up to 5 years
✓ Manage all your savings with a single log-in
View and compare zero-fee savings accounts
Why should you save with Raisin UK?
Easy money management
Our simple online platform and app allow you to manage your money easily at any time. With all your accounts under one roof, there’s no need to juggle multiple logins, either.
Access to more banks
Why limit yourself to the high street? With more banks at your fingertips from across the UK and Europe, we give you more choice to find the right savings account for you.
Extra savings boosts
From our refer a friend bonus to exclusive savings accounts offers, it’s easy to make your money work harder. We’ll always make sure you’re the first to hear about new top rates, too.
Fixed rate bond FAQs
Can you lose money on fixed rate bonds?
Fixed rate bonds are savings accounts, not investments. Eligible deposits are protected by the FSCS up to £120,000 per person, per bank. Inflation can reduce the real buying power of your savings.
Can I close a fixed rate bond early?
Most fixed rate bonds don’t allow early withdrawals. Those that do may apply an interest penalty. Check the account terms carefully before applying.
How long does it take to get your money at maturity?
Once instructions are given, funds are usually paid out to your Raisin Transaction Account within a few working days.
Is there a 10-year fixed rate bond?
Most UK fixed rate bonds run from 6 months to 5 years. Ten-year fixed rate bonds are uncommon and not widely available.
Can I open a joint fixed rate bond?
We don’t offer joint fixed rate bonds via Raisin at this time. Where FSCS protection applies, each eligible account holder has their own limit with the same authorised firm.
How safe are fixed rate bonds?
The fixed rate bonds offered by Raisin’s partner banks are covered by the FSCS up to £120,000 per person, per bank. This limit applies to all deposits held with a bank, including in different types of account (i.e. current accounts). Inflation may affect the real buying power of your savings.
All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time.
Raisin UK is a trading name of Raisin Platforms Limited which is authorised and regulated by the Financial Conduct Authority (FRNs 813894 and 978619). Raisin Platforms Limited is registered in England and Wales, No 11075085. Registered office: Cobden House, 12-16 Mosley Street, Manchester M2 3AQ, United Kingdom. The information on this website does not constitute financial advice, always do your own research to ensure it's right for your specific circumstances. Tax treatment depends on the individual circumstances of each customer and may be subject to change in the future.