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Compare 3 year savings bonds

Find the best 3 year savings bonds for you. Compare fees, features, and switching offers from top UK banks.

What is a 3 year savings bond?

A 3 year savings bond is a fixed term account where you commit your money for three years in exchange for a guaranteed interest rate that is locked in for the whole term.

Longer terms like this often pay higher rates than shorter bonds, making them attractive when you want to secure a competitive rate for several years.

Can I access my money before the 3 years end?

Most 3 year savings bonds do not allow withdrawals before the term is up, so it is best to only deposit money you are sure you can leave untouched for the full three years.

If you may need some of the money sooner, it can be sensible to keep part of your savings in an easy access account alongside the bond.

Our top pick
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3 Year Fixed Rate Bond

Interest Rate
4.72%
AER (variable)
Min. Deposit
£0
to open account
Account Type
3 years fixed
Tax-free options

This three-year fixed-rate savings bond from Kent Reliance offers a competitive 4.72% AER. Savers have the flexibility to choose how they receive their interest payments, with options for interest to be paid either annually on the account's anniversary or on a monthly basis, making it a suitable choice for those seeking a regular income.

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3 Year Fixed Term Deposit

Interest Rate
4.68%
AER (variable)
Min. Deposit
£0
to open account
Account Type
3 years fixed
Tax-free options
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Manage via Online / App

3 Year Fixed Term Savings Account

Interest Rate
4.68%
AER (variable)
Min. Deposit
£0
to open account
Account Type
3 years fixed
Tax-free options
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3 Year Fixed Saver

Interest Rate
4.65%
AER (variable)
Min. Deposit
£50
to open account
Account Type
3 years fixed
Tax-free options
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3 Year Fixed Rate Bond

Interest Rate
4.40%
AER (variable)
Min. Deposit
£100
to open account
Account Type
3 years fixed
Tax-free options
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3 Year Fixed Rate Bond

Interest Rate
4.25%
AER (variable)
Min. Deposit
£500
to open account
Account Type
3 years fixed
Tax-free options
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3 Year Fixed Term Deposit

Interest Rate
4.25%
AER (variable)
Min. Deposit
£1,000
to open account
Account Type
3 years fixed
Tax-free options
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3 Year Fixed Rate Online Bond

Interest Rate
4.00%
AER (variable)
Min. Deposit
£0
to open account
Account Type
3 years fixed
Tax-free options
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Premier Triple Access 3-Year Flexible Bond

Interest Rate
3.80%
AER (variable)
Min. Deposit
£1
to open account
Account Type
3 years fixed
Tax-free options
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