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 Please be aware that this offer can be withdrawn at any time due to limited availability.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 Please be aware that this offer can be withdrawn at any time due to limited availability.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
Which financial product will offer you the best return usually depends on how much money you have to invest. You will usually get a better interest rate from a savings account for smaller amounts of money. As a general rule, there is quite a low cut off point above which no interest will be paid or there is a limit to the amount you can have in the account.
With a fixed rate bond, you will get a guaranteed rate of interest for the term of the bond. The maximum deposit for a fixed rate bond is usually much higher than that on which a savings account will pay interest and the longer the bond is for, the better interest rate you will normally be offered.
Common types of bonds tend to last for 1 year, 2 years, 3 years or 5 years. You may be allowed to withdraw money or close your account early, but this will generally result in a penalty calculated as a percentage of the interest you would normally earn.
Fixed rate bonds can be set up alongside your current account, allowing you to start earning interest on all of your savings without disrupting your day-to-day banking. This makes them a highly convenient way to start getting a better return on your money.
Compare Sainsburys fixed rate bonds
Interest rates and other features offered on any company’s fixed rate bonds are liable to change regularly. This is due to constant shifts in the market and consumer demand. As a result, it can be hard for customers to keep track of who is offering the best deal for them at any given moment.
Our fixed rate bond comparison table at the top of this page shows the most attractive deals from across the market currently available. We frequently update these results with the best offers we can find, so make sure to check back regularly.
Investing in a fixed rate bond is a serious commitment as you will be locking your savings away until the bond matures. Make sure to carefully assess your own financial situation and the return you would like to see before making a choice.
