Terms and Conditions: 4.20% AER/(4.12% Gross p.a.). NatWest's Fixed Term Savings Rates are 4.20% AER/(4.12% Gross p.a.) fixed for 1 year and 4.00% AER/(3.93% Gross p.a.) fixed for 2 years. Offer available until 5pm on 19th November 2025 for new customers and 24th November 2025 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest paid monthly and on maturity. This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £5,000,000.00. You can make additional payments or withdrawals from your account until 3:30pm on 2nd December 2025. After this date partial withdrawals are not allowed. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving 35 days’ written notice to your branch. Early Closure Charge may apply. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. Interest will automatically be paid into your Fixed Term Savings Account. You can choose to have interest paid into another Nominated Account. This must be a NatWest personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account. If interest is paid into your Nominated Account, you can access it the following day. You must be 16 or over and a UK resident. FSCS protected
Terms and Conditions: 4.20% AER/(4.12% Gross p.a.). Royal Bank of Scotland's Fixed Term Savings Rates are 4.20% AER/(4.12% Gross p.a.) fixed for 1 year and 4.00% AER/(3.93% Gross p.a.) fixed for 2 years. Offer available until 5pm on 19th November 2025 for new customers and 24th November 2025 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest paid monthly and on maturity. This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £5,000,000.00. You can make additional payments or withdrawals from your account until 3:30pm on 2nd December 2025. After this date partial withdrawals are not allowed. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving 35 days’ written notice to your branch. Early Closure Charge may apply. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. Interest will automatically be paid into your Fixed Term Savings Account. You can choose to have interest paid into another Nominated Account. This must be a NatWest personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account. If interest is paid into your Nominated Account, you can access it the following day. You must be 16 or over and a UK resident. FSCS protected
Fixed rate bonds are one of the most common ways to protect and grow the value of your savings. They offer a dependable rate of interest for the life of the bond, preventing your savings from losing their value relative to inflation and usually increasing the real world value of your money.
For smaller amounts of money, a savings account will usually offer a better rate of interest than a fixed rate bond.
However, if your savings are above the limit where your savings account will pay interest or your maximum permitted balance, it can be well worth transferring the balance into a fixed rate bond. This will allow you to start getting a return on all of your savings without disrupting your day-to-day banking.
The most common types of bond last for 1 year, 2 years, 3 years or 5 years, with the longer term bonds generally offering higher rates of interest. Some will allow you to withdraw funds early if necessary, but there is usually a penalty for this in the form of lost interest payments.
Why choose an Aldermore fixed rate bond?
Aldermore are a retail bank offering both personal and business banking services. They specialise in lending and savings for SMEs and individuals and pride themselves on their quick, slick service.
Aldermore offer the following advantages when taking out one of their fixed rate bonds:
Minimum deposit of just £1,000
Maximum deposit of £1million
Open an account online in minutes, including all ID checks
Manage your account online, by phone or post
Won Best Online Savings Account Provider at the Your Money Awards 2014
Restrictions
The following are conditions you must meet in order to qualify for an Aldermore fixed rate bond.
You must be 18 years old or above
You must be resident in the UK and liable for UK tax
You must have a UK bank or building society account in your name
You cannot make withdrawals or close your account before your bond matures
Compare Aldermore fixed rate bonds
Aldermore offer a range of fixed rate bonds over different set periods from 1 year to 5 years. Below are links to three of their most popular products.
Banks and building societies change the interest rates and other conditions of their products on a regular basis to match market conditions and customer demand. This means that exactly which brands and products are offering the best deals changes all the time.
Your own personal circumstances and requirements will also make a difference to which product is right for you, so it’s important to carefully compare all of your options before making a decision. Our fixed rate bond comparison table above is regularly updated with the very best deals currently available, so make sure to check back regularly for the latest offers.
