Fixed Rate Bonds For Limited Companies

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This comparison simply includes all savings accounts.

Most Popular Highest Rate Opening Amount

Instant Access Savings

Interest AER 4.33%

Min deposit £50000

Term Instant Access

Instant Access Savings Allica Bank

Min deposit £50000

Term Instant Access

Interest AER 4.33%

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Why we like it

Earn up to 4.33% AER (variable)* on your savings. *Rate includes standard rate of 3.33% AER (minimum balance applies) plus a 0.5% boost each month if you make 15 bank transfers out of the account in the previous month, and a 0.5% boost for six months if you complete a successful switch with the CASS. Eligibility criteria and T&Cs apply. No monthly fees. Instant access – deposit or withdraw funds 24/7. Eligible customers are protected by FSCS up to £85,000. Businesses keeping less than £50,000 in their account will earn a reduced rate of interest and may incur fees

Details

Interest Paid	Monthly
Maximum Balance	£5,000,000
UK Company	Yes

1 Year Business Fixed Rate Bond

Interest AER 4.22%

Min deposit £5000

Term 1 Year

1 Year Business Fixed Rate Bond Hampshire Trust Bank

Min deposit £5000

Term 1 Year

Interest AER 4.22%

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Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts. No withdrawals permitted. FSCS Protected

Details

Interest Paid	At maturity
Maximum Balance	£750,000
UK Company	Yes

Easy Access Tracker SME Saver

Interest AER 4.15%

Min deposit £5000

Term Instant Access

Easy Access Tracker SME Saver Hampshire Trust Bank

Min deposit £5000

Term Instant Access

Interest AER 4.15%

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Interest paid on account balances over £20,000. No interest paid if balance is below. Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

Tracks Bank of England Base Rate (60 bps under). . Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts. Unlimited withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£1,000,000
UK Company	Yes

2 Year Business Fixed Rate Bond

Interest AER 4.11%

Min deposit £5000

Term 2 Years

2 Year Business Fixed Rate Bond Hampshire Trust Bank

Min deposit £5000

Term 2 Years

Interest AER 4.11%

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Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts. No withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£750,000
UK Company	Yes

3 Year Business Fixed Rate Bond

Interest AER 4.07%

Min deposit £5000

Term 3 Years

3 Year Business Fixed Rate Bond Hampshire Trust Bank

Min deposit £5000

Term 3 Years

Interest AER 4.07%

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Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts. No withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£750,000
UK Company	Yes

Business Instant Saver Account

Interest AER 4.07%

Min deposit £1

Term Instant Access

Business Instant Saver Account Tide

Min deposit £1

Term Instant Access

Interest AER 4.07%

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Why we like it

You must open a Tide Business Account to open a Tide Instant Saver Account. No limits or fees on withdrawals. Eligible deposits with ClearBank are protected up to a total of £85,000 by the FSCS

Details

Interest Paid	Monthly
Maximum Balance	Unlimited
UK Company	Yes

95 Day Business Notice Account

Interest AER 3.95%

Min deposit £5000

Term 95 Day Notice

95 Day Business Notice Account Hampshire Trust Bank

Min deposit £5000

Term 95 Day Notice

Interest AER 3.95%

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Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts. Unlimited withdrawals permitted subject to 95 days notice. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£750,000
UK Company	Yes

Easy Access SME Saver

Interest AER 3.45%

Min deposit £5000

Term Instant Access

Easy Access SME Saver Hampshire Trust Bank

Min deposit £5000

Term Instant Access

Interest AER 3.45%

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Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts. Unlimited withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£750,000
UK Company	Yes

Business Investment Account

Investment Linked Business Account which invests in ETF's, offering the potential to earn more on your cash reserves

Open from £100

Term No fixed term

Business Investment Account Invest Engine

Open from £100

Term No fixed term

Investment Linked Business Account which invests in ETF's, offering the potential to earn more on your cash reserves

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Why we like it

Let InvestEngine build and manage an investment portfolio for you. Alternatively invest for yourself with a choice of 650+ exchange traded funds (ETFs). Invest via a lump sum or regular savings plan (weekly, biweekly or monthly basis). If you don’t already have a LEI, InvestEngine can provide one to customers for free for the first year and it will be applied automatically after you have funded your account with a minimum of £100. You can withdraw cash without notice and with no exit fees. Free tools to help you invest. Covered by the FSCS. Flat fee of just 0.25% a year for Managed portfolios (ETF costs also apply). DIY investing service is fee free, with no buying and selling costs and no account charges (all you pay is ETF costs). Open to Limited companies and partnerships. If you are investing as a UK-based company, your returns are subject to the UK corporation tax regime. Capital at risk. Tax treatment depends on individual circumstances and all tax rules may change in the future

Details

Interest Paid	Monthly
Maximum Balance	Unlimited
UK Company	Yes

Disclaimer: The value of your investments can fall as well as rise, so you could get back less than you paid in.

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Fixed rate bonds for limited companies

If you are a limited company looking for a way to access some competitive interest, you may want to explore your fixed rate bond options.

Fixed rate bonds offer higher interest rates in exchange for tying up savings for a longer period of time. The majority of banks offer fixed rate bonds that run for 1 year, 2 years, 3 years or 5 years. Typically, the higher rates of interest are reserved for the longer fixed rate bonds.

If you take out a fixed rate bond, you should note that you will not be able to access your capital for the duration of the bond. Some fixed rate bond providers will allow you to close the bond early; however, this will typically result in a penalty. A penalty for closing a fixed rate bond early is often calculated by a number of days’ interest, which could reduce your capital significantly.

Criteria for limited companies fixed rate bonds

The fixed rate bonds available to limited companies are different to personal fixed rate bonds. Some banks may have different criteria for their limited company fixed rate bonds. For example, your limited company may have to achieve a certain annual turnover. You should always speak to the fixed rate bond provider to check their specific criteria.

Financial Services Compensation Scheme

Your limited company may benefit from the Financial Services Compensation Scheme (FSCS), which provides protection for the first £85,000 a fixed rate bond provider has held under a single UK banking licence.

In order to receive the FSCS protection your limited company must meet two of the following:

• It has 50 or fewer employees
• It has a turnover of £6.5 million or less
• It has a balance sheet total of £3.26 million or less

Unfortunately, if your limited company does not meet two of the three points above then it will not be covered by the scheme.