Terms and Conditions: Earn 4.75% AER (4.65% Gross p.a.). NatWest’s Fixed Term Savings Rates are 4.15% AER/4.07% Gross p.a.) fixed for 1 year and 4.75% AER/4.65% Gross p.a.) fixed for 2 years. Offer available until 5pm on 2nd September 2026 for new customers and 7th September 2026 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest is paid monthly and on maturity. This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £99,999. You can make additional payments or withdrawals from your account until 3:30pm on 21st September 2026. 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.
Details
Interest Paid
Monthly
Maximum Balance
£99,000
Minimum Age
16
UK Resident
Yes
2 Year Fixed Rate Bond - Tier 1
Interest AER4.75%
Min deposit£1
Term2 Years
2 Year Fixed Rate Bond - Tier 1Royal Bank of Scotland
Terms and Conditions: Earn 4.75% AER (4.65% Gross p.a.). Royal Bank of Scotland's Fixed Term Savings Rates are 4.15% AER/4.07% Gross p.a.) fixed for 1 year and 4.75% AER/4.65% Gross p.a.) fixed for 2 years. Offer available until 5pm on 2nd September 2026 for new customers and 7th September 2026 for existing customers. Please be aware that this offer can be withdrawn at any time due to limited availability. Interest is paid monthly and on maturity. This account is for sole applicants only and cannot be opened in joint names. Minimum deposit £1. Maximum deposit £99,999. You can make additional payments or withdrawals from your account until 3:30pm on 21st September 2026. 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 Royal Bank of Scotland 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.
Is a Yorkshire Bank fixed rate bond right for you?
Fixed rate bonds are a good choice if you have a large amount of savings on which you want to see a dependable return. However, for smaller sums, a savings account will normally offer a better rate of interest.
However, if your savings go over the limit on which your savings account pays interest or above the account's maximum balance, it can be worthwhile moving the balance into a fixed rate bond. This will offer a guaranteed rate of interest in exchange for not being able to access your money until the bond matures.
Many providers offer fixed rate bonds, with 1 year, 2 year, 3 year and 5 year terms commonly offered. The longer you agree to lock your money away for, the better rate of interest you will usually receive.
Fixed rate bonds can be set up alongside your existing current account. This means they do not need to disrupt your regular banking, making fixed rate bonds a relatively straightforward, hassle-free way to start getting more back from your savings.
Why choose a Yorkshire Bank fixed rate bond?
Yorkshire Bank is UK bank which operates as a trading division of Clydesdale Bank. Customers wishing to open a fixed rate bond account with Yorkshire Bank are offered the following:
Minimum deposit of £2,000
Maximum deposit of £5million
Interest can be paid monthly, annually or when your deposit matures
Access your account in branch, by post, telephone or online
Restrictions
Yorkshire Bank fixed rate bond customers must accept the following conditions:
You must be at least 16 years old
Withdrawals and early closure are not allowed before maturity
Compare Yorkshire Bank fixed rate bonds
Yorkshire Bank offer fixed term deposits over 3-36 months. They also offer cash ISAs for tax efficient saving and a 40-Day notice account that provides many of the benefits of a fixed rate bond, but with the option to make withdrawals from the account with 40-days’ notice.
Getting the best deal on fixed rate bonds
The features of any financial product tend to change over time to reflect economic trends and consumer demand. This can make it difficult for customers to choose which fixed rate bond to invest in, as it can be hard to know which brands and products are currently offering the best deals.
Our fixed rate bonds comparison table (see top of page) lets you easily compare the best deals we have found from across the industry. We regularly update these deals to showcase the most attractive offers currently available.
Be sure to carefully weigh up your current and likely future financial commitments before investing into a fixed rate bond. You will usually not be able to access the money until the bond matures, even if you later decide you need it.
