Choose from our listings of FCA regulated stocks & shares ISAs. All products listed are protected by the Financial
Services Compensation
Scheme (FSCS) up to £85,000 and qualify for you to use your annual ISA allowance of up
to £20,000 or transfer an existing ISA.
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Peer to Peer ISAs put your capital at risk, and you may get back less than you originally
invested.
Returns are not guaranteed if their borrower defaults.
Innovative Finance ISAs put your capital at risk, and you may get back less than you originally
invested.
Returns are not guaranteed if their borrower defaults.

4.65%
Interest rate (AER) fixed
£1,000
Open with
5 years
Term
4.65%
Interest rate (AER) fixed
A Shepherds Friendly 5 Year Fixed Rate Bond lets you save for the future safe in the knowledge that you’re getting a guaranteed return on your savings.
How we order our tables
'Featured' products are affiliated listings which Money Guru promotes and has a commercial agreement with. Our website is completely free for you to use but we may receive commission from providers for introductions. You can use the dropdown to select another metric as described below to re-order the products.
'Popular' products are the products listed in order of which has had the most unique clicks from customers in the last 30 days. Therefore you will see those with the most unique clicks appearing at the top of the table, and those with the fewest at the bottom.
'Min investment' ordering lists the products in order of the minimum to maximum amount required to open a Stocks & Shares ISA with that provider.
- Savings & Investments
- FAQs
- Guides
- Who we work with
- Deposit a lump sum at the start
- Earn interest on that sum over a fixed period
- Interest rate is usually higher for longer fixed rate period accounts
- Withdrawing funds before the fixed rate period is over will incur fees
- Fixed rate period – the longer the period, the more you will earn from interest
- Interest rate – if you choose a longer period you will usually get a higher interest rate
- Minimum and maximum deposit amounts – check how much you can deposit initially and every month from then on
- Early withdrawal fees – find out how much you will have to pay if you do have withdraw your savings early
Compare Fixed Rate Savings Accounts
Opening a fixed rate savings account allows you to plan ahead with a secure place to keep your savings for the future. It could be that you plan to isolate your savings for a year, or even up to 5 years, so putting it into a savings account will mean you earn interest on top, giving you a bonus at the end of that period.
Saving in this way means you can put money aside for a future project, whether it is for a home deposit, home improvement or any other significant purchase. If anything, if you plan on keeping an amount of money secure over a number of years and not spending it, it might be best off being in a savings account to earn interest.
What is a fixed rate savings account?
A fixed rate savings account is an account allowing you to earn interest for a fixed rate period, such as 1 year, 3 years or 5 years. If you deposit a lump sum at the start, you can then calculate how much you will earn from interest over the course of that fixed rate period, watching your savings grow.
Since it’s a fixed rate, it also means that you should not withdraw your savings before the period is over. If you do, you will have to pay fees in order to release your savings, so it is always preferable to keep your funds untouched until the end of the period to avoid any fees.
How does a fixed rate savings account work?
This type of savings account works by putting your money away for a certain period of time to earn interest. If you just deposit a lump sum, you can even calculate exactly how much you will earn during the fixed rate period.
You can also deposit more funds but they will only earn interest from the date of deposit, so will top up your interest payment by the end of the fixed rate period. You can withdraw your savings, but if you do this prior to the end of the fixed rate period, you will have to pay fees.
How to open a fixed rate savings account
If you choose to open a fixed rate savings account, you should be able to open it online, as long as you can provide personal details requested by the provider. You may also be credit checked in some circumstances, especially for accounts with higher interest rates.
Watch out for the following details when applying for a fixed rate savings account:
Check out our comparison tables and watch out for the above points to find out which account might be best for your purposes.
Who we work with
We work with a number of providers to deliver a wide selection of
savings accounts for you to choose from, enabling you to find the best
option for you, whether it’s a cash ISA, investment ISA, peer-to-peer
savings account or otherwise.
Each of our providers are screened to make sure they meet our high standards
before we agree to work with them. This ensures that you can trust them as much
as we do, allowing you to find the best savings product from a reputable source.
You can find out more about our lenders and providers
here
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