Saving & investing
UK Fixed-Rate Savings Bond Rates
Track average advertised 1-, 2- and 3-year fixed-rate savings bonds from UK banks and building societies, rather than an individual provider's offer.
1-year fixed bond
4.53%
Official Average quoted fixed-rate savings bonds observation
2-year fixed bond
4.35%
Official Average quoted fixed-rate savings bonds observation
3-year fixed bond
4.56%
Official Average quoted fixed-rate savings bonds observation
History
Average quoted fixed-rate savings bonds over time
Series show published yields or quoted rates, not guaranteed investment returns. Values are dated observations.
The selected chart trend will appear here when the chart loads.
What do these bond rates mean?
These are fixed-rate savings accounts, sometimes marketed as bonds, from UK deposit-taking institutions. The Bank of England collects average quoted rates, rather than the single best rate on the market. They are different from tradable investment bonds or UK government gilts.
How are fixed-rate savings bonds different from gilts?
A savings bond is normally a bank or building society deposit with a specified interest rate and access conditions. A gilt is a government debt security with a market price and yield that can change daily. The displayed savings rates are not guaranteed offers, and any FSCS protection depends on the provider and eligibility.
Official source
Bank of England — quoted household savings ratesPeriod: Latest observation: 30 Sep 2026
Last data update: 09 October 2026
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