网曝吃瓜

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3 year fixed rate bond

Maximise your savings over the longer term. With a 3 year term, you鈥檒l enjoy a secure, predictable return to help you plan ahead with confidence.

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3.95% AER*

*AER stands for Annual Equivalent Rate and is used to show you what you could earn from a savings account over a year.

Enjoy the security of a fixed rate of interest on your savings

  • 3.88% gross (monthly)
  • 3.95% gross (annually)
  • Term: 3 years
  • 拢1,000 minimum deposit
  • 拢100,000 maximum account balance
  • 21 day funding window
  • Withdrawals not permitted before maturity

Is this account right for you?

Our 3 year fixed rate bond might be suitable if:

  • You want a guaranteed return on your savings
  • You don鈥檛 need immediate or regular access to your money
  • You want to deposit a lump sum rather than make regular deposits
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Product summary

3 year fixed rate bond

Monthly

3.88% Gross1

3.95% AER2

Annually

3.95% Gross1

3.95% AER2

What is the interest rate?

Monthly: 3.88% Gross1 / 3.95% AER2
Annual: 3.95% Gross1 / AER2

  • This rate is effective from when you open your account and is fixed until the end of the product term.
  • All interest is paid gross.
  • Interest is calculated daily and paid into your account on the anniversary of account opening and at maturity.

1 Gross is the rate of interest payable before any income tax is deducted. You may be required to pay income tax on the interest you have earned. For more information visit: 

2 AER stands for Annual Equivalent Rate and is used to show you what you could earn from a savings account over a year.

Can 网曝吃瓜 change the interest rate?

No. The interest rate is fixed and  will stay the same until the maturity date.

What would the estimated balance be at maturity after 3 year based on a 拢1,000 deposit?

Projected Balance: 拢1,123.24

This example is for illustrative purposes only and shows the projected balance at maturity if you added 拢1,000 to your account and did not add any more money.

How do I open and manage my account?

  • You can open this account online at /
  • You can manage this account online and via the 网曝吃瓜 Mobile App.
  • You must be a UK resident and aged 18 or over.
  • The minimum balance for this account is 拢1,000.
  • You have 21 calendar days from your application to fund your savings account to meet or exceed the minimum balance.
  • The maximum account balance is 拢100,000.
  • Money must be added by electronic transfer from a UK bank account which is held in your name.
  • If your balance does not meet the minimum account balance after 21 calendar days, we will return your money to you and close your account.
  • Please make sure you have read and understood all sets of Terms and Conditions before applying for this product.
Can I withdraw money?

  • Early closure or withdrawals are not permitted until the end of the term, when your account matures.
  • We will write to you at least 14 calendar days before your maturity date. At this time, we will provide you with details of other products that will be available to you when your savings account matures.
  • We will need to have received your instructions for what you want us to do 2 calendar days before your maturity date. Otherwise on the maturity date your account will transfer to our Easy Access Maturity Savings Account, which has no withdrawal restrictions. We will tell you the interest rate and terms and conditions which will apply to that account when we write to you before maturity.
Additional information

For further details on how your Fixed Rate Bond works, please refer to the Savings Terms and Conditions

Useful documents


Before you apply, take a moment to read these key documents. They鈥檒l help you understand your account clearly.

View all

3 year fixed rate bond summary Dec 2025

FSCS information sheet and exclusions list

Savings standard terms and conditions

Manage your savings accounts securely on the go with the 网曝吃瓜 mobile app.

Protection for peace of mind

At 网曝吃瓜 you can save with confidence as we are covered by the FSCS (Financial Services Compensation Scheme). This means your total savings are protected up to 拢120,000 per person.


3 year fixed rate bond frequently asked questions

You must be 18+, a UK resident for tax purposes, hold a UK current account in your name, and have a valid email and mobile number. We鈥檒l verify your identity electronically (documents may be requested if required).

Yes, all 网曝吃瓜 savings accounts can be opened in sole or joint names (no more than 2 account holders permitted)

We鈥檒l ask for your name, address, date of birth, and nominated bank account. In some cases, we may also request employment details, occupation, industry, and income.

Use your Customer ID, password, and memorable details via the 鈥淟og in鈥� button on our website.

A 3 year fixed rate bond is a savings account that locks your money for 36 months at a guaranteed rate, giving stable, predictable returns over the medium-to-long term.

Rates are fixed at the start of the term and interest is calculated on your deposit for the full 3 years, paid either monthly or annually depending on your choice.

You need at least 拢1,000 to open the account, with a maximum deposit of 拢100,000. You must be a UK resident aged 18+ with a UK current account.

You can receive interest monthly or annually. Both options pay at th

Yes, your funds are locked until maturity. Withdrawals are not permitted during the 3-year term.

It鈥檚 a good fit if you want higher rates than shorter-term bonds and can commit to locking funds for three years