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FixedWise
UK fixed-rate comparison

Make Your Savings Work Smarter

Explore fixed-rate savings and bond options in the UK. Compare terms, understand your choices, and discover opportunities suited to your financial goals.

Compare Fixed Rates Explore Your Options
  • Compare product terms
  • Explore fixed-rate options
  • Simple, no-obligation enquiry
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Product term
6m1y2y3y5y
Compare features
  • FSCS eligibility
  • Maturity & access
  • Provider details
Illustrative goal
House deposit in 3 years
What you can explore

Find a Fixed-Rate Option That Fits Your Goals

Deposit account

Fixed-Rate Savings

Explore deposit accounts offering fixed interest over an agreed period.

Eligible deposits may be FSCS-protected.

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Deposit account

Fixed-Term Deposits

Consider products with different maturity dates, deposit requirements and withdrawal restrictions.

Eligible deposits may be FSCS-protected.

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Investment · capital at risk

Investment Bonds

Explore investment-based fixed-income products with clearly disclosed risks, issuer details and terms.

Not automatically covered by FSCS deposit protection.

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Why FixedWise

A Smarter Way to Explore Fixed Rates

Compare Different Terms

See how 6-month to 5-year options differ in access, structure and commitment.

Understand Product Features

Plain-English explanations of AER, maturity, withdrawal rules and protection.

Explore Options for Larger Deposits

Consider how to structure balances across providers and FSCS limits.

Simple, Convenient Enquiry

Six quick steps, no obligation, and you stay in control of what happens next.

How it works

Three simple steps

  1. 01

    Tell Us Your Preferences

    Select the amount, term and product types you're interested in.

  2. 02

    Explore Relevant Options

    Receive information about available products that may fit your criteria.

  3. 03

    Make an Informed Decision

    Review the terms, risks and provider details before proceeding.

Start your comparison

Tell us what you're looking for

Answer a few quick questions and we'll follow up with information about options that may fit. No obligation.

Step 1 of 617%
How much are you looking to deposit or invest?
Guides

Understand before you fix

How fixed-rate savings accounts work

You deposit a lump sum with a bank or building society for an agreed term. The interest rate is fixed for that period, so you know in advance what you'll earn. In return, access is usually restricted until maturity, and further deposits are often not allowed after the funding window closes.

Fixed-rate savings bonds vs investment bonds

Despite the similar name, these are different. A fixed-rate savings bond is a deposit account. An investment or corporate bond is a debt investment in an issuer — returns depend on the issuer's ability to pay, values can fall, and capital is at risk. FSCS deposit protection does not apply automatically to investment bonds.

Fixed-term deposit maturities

Maturity is the date your term ends. Providers usually contact you beforehand with options: withdraw, move to a new fixed term, or transfer to an easy-access account — often at a lower variable rate if you don't act. Note your maturity date in advance.

AER versus gross interest

Gross is the contractual rate paid before tax. AER (Annual Equivalent Rate) shows what you'd earn over a year if interest were compounded and paid annually, making products with different payment frequencies easier to compare. Interest may count towards your Personal Savings Allowance.

Early withdrawal restrictions

Many fixed-term accounts don't permit early access at all. Some allow it subject to a penalty, typically a number of days' interest. Consider an emergency fund elsewhere before locking money away.

FSCS protection and eligibility

The Financial Services Compensation Scheme protects eligible deposits with UK-authorised banks and building societies, currently up to £120,000 per eligible person, per authorised firm. Brands sharing one banking licence share one limit. Temporary high balances may have additional protection for a limited period.

How to evaluate issuer and investment risk

For investment products, check who the issuer is, whether the promotion has been approved by an FCA-authorised firm, the issuer's financial position, how and when you're repaid, whether the investment is secured, how easily you can exit, and what happens if the issuer fails. If unsure, consider regulated financial advice.

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Ready to explore your fixed-rate options?

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FAQs

Common questions

Transparency

About our service

A comparison & enquiry platform. FixedWise helps you explore fixed-rate options and submit an enquiry. We do not hold customer funds and do not provide regulated personal recommendations.

Deposits vs investments. Eligible UK bank deposits may be protected by the FSCS up to £120,000 per eligible person, per authorised firm. Investment bonds can put capital at risk and are not automatically FSCS-protected.

Regulatory status. Fixed Wise Ltd. is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide regulated personal financial advice.

How we are paid. Our comparison and enquiry service is free to use. You do not pay us anything. We are paid an introduction fee by the provider or partner we introduce you to. Any product charges or terms are separate and should be checked directly with the provider.