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Fixed Term Bonds

Fixed Terms Fixed Rate Bond
AER/Gross (Fixed)
1|2|3 Fixed Rate Bond AER/Gross (Fixed)
1 year 1.10% 1.40%
2 years 1.40% 1.70%

Guarantee your interest rate when you save your money in a Fixed Rate Bond for up to 2 years.

To apply for a Fixed Rate Bond you must be a UK resident, aged 16 or over and have at least £500 to deposit, up to a maximum of £2 million.

No additional deposits, withdrawals or account closures are permitted. There is no cancellation period on this account.

1|2|3 World and Santander Select customers have access to our best rates.

A 1|2|3 World customer is someone who holds one or more of the following products: 1|2|3 Credit Card, 1|2|3 Current Account, 1|2|3 Graduate Current Account, 1|2|3 Student Current Account, 1|2|3 Postgraduate Current Account, 1|2|3 Mini Current Account or 1|2|3 Mini Account  (in Trust). Trustees are not classed as 1|2|3 World customers. To be eligible for 1|2|3 offers they must be a 1|2|3 World customer in their own right. There are different eligibility criteria for each product and offer.

Find out more about 1|2|3 World.
 

 

Please read the full product details and terms & conditions before applying.
Other accounts are available; see our savings account range to find out more.

 

All rates are for bonds opened from 3 November 2014 for balances from £500.

1 and 2 Year Fixed Rate Bonds - available to customers who are not 1|2|3 World or Santander Select customers

Account name 1 Year Fixed Rate Bond 2 Year Fixed Rate Bond
Matures 01.12.2015 01.12.2016
AER/Gross (Fixed) 1.10% 1.40%
Gross rate p.a. (Fixed) if paid annually 1.10% 1.40%
Gross rate p.a. (Fixed) if paid monthly 1.09% 1.39%

 1|2|3 1 and 2 Year Fixed Rate Bonds - available to 1|2|3 World or Santander Select customers

Account name 1|2|3 1 Year Fixed Rate Bond 1|2|3 2 Year Fixed Rate Bond
Matures 01.12.2015 01.12.2016
AER/Gross (Fixed) 1.40% 1.70%
Gross rate p.a. (Fixed) if paid annually 1.40% 1.70%
Gross rate p.a. (Fixed) if paid monthly 1.39% 1.69%

A 1|2|3 World customer is someone who holds one or more of the following products: 1|2|3 Credit Card, 1|2|3 Current Account, 1|2|3 Graduate Current Account, 1|2|3 Student Current Account, 1|2|3 Postgraduate Current Account, 1|2|3 Mini Current Account or 1|2|3 Mini Account  (in Trust). Trustees are not classed as 1|2|3 World customers. To be eligible for 1|2|3 offers they must be a 1|2|3 World customer in their own right. There are different eligibility criteria for each product and offer.

Find out more about 1|2|3 World.

Your interest rate is fixed when you submit your application. You can make one deposit only into the Fixed Rate Bond when you open it and you can't make withdrawals until the end of the term.

No additional deposits, withdrawals or account closures are permitted. There is no cancellation period on this account.

You can only close the Bond during the fixed term in the event of the death of the account holder.

You can choose to receive monthly or annual interest. Once set, interest will be paid this way for the full term of your Fixed Rate Bond:

  • Monthly interest will be paid on the 1st of every month.

  • Annual interest will be paid on the 1st of the month following account opening and then annually. We'll pay any further interest on maturity.

You will receive your Bond Certificate within 14 days of opening the Bond. You won't receive further statements so please keep this safe for reference. If it's lost or stolen you should report it to us on 0845 972 4724. Your Bond Certificate will have the specific rates of your bond and your maturity date.

When the term ends (at maturity) the money will be transferred into an instant access account unless, before the end of the term, you tell us otherwise. We will write to you to confirm product details and rates at least 14 days before your bond matures.

Fixed term bonds are subject to availability. Rates are fixed and effective from 3 November 2014.
 

No withdrawals, closures or additional deposits are allowed during the fixed term of your bond.

When the term ends (at maturity) the money will be transferred into an instant access account unless, before the end of the term, you tell us otherwise. We will write to you to confirm product details and rates at least 14 days before your bond matures.

If you have further questions about managing your bond account:

Branch
Visit your nearest branch to speak to us.

Telephone Banking
Call us on 0800 092 2212.

Online Banking
Secure, 24/7 banking. You can view your bond account via online banking.

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader.

Please read full product details and terms & conditions before applying.

You can apply for Fixed Rate Bond if you:

  • are at least 16 years of age

  • are a UK resident

  • have at least £500 to deposit, up to a maximum of £2 million 

To open a 1|2|3 Fixed Rate Bond you must also be a 1|2|3 World or Santander Select customer.

A 1|2|3 World customer is someone who holds one or more of the following products: 1|2|3 Credit Card, 1|2|3 Current Account, 1|2|3 Graduate Current Account, 1|2|3 Student Current Account, 1|2|3 Postgraduate Current Account, 1|2|3 Mini Current Account or 1|2|3 Mini Account  (in Trust). Trustees are not classed as 1|2|3 World customers. To be eligible for 1|2|3 offers they must be a 1|2|3 World customer in their own right. There are different eligibility criteria for each product and offer.

Customers who are not 1|2|3 World or Santander Select customers

1 Year Fixed Rate Bond 2 Year Fixed Rate Bond

Apply now

Apply now

  1|2|3 World and Santander Select customers

1|2|3 1 Year Fixed Rate Bond 1|2|3 2 Year Fixed Rate Bond

Apply now

Apply now

Apply by phone
Call us on 0800 092 2212. Lines are open 8am to 9pm Monday-Friday and 8am to 4pm Saturday.

Apply in branch
Find your nearest branch to make an appointment.

Rates and information correct as at 3 November 2014.

Frequently asked questions

  • To find your savings interest rate you can use our Interest Rate Finder.

     

    If you hold a Fast Access, SIPP Fast Access, Special Reserve, Cash ISA (TOISA), Retirement Investment Account (ANRIA), Santander Shareholder Account, Treasurers Instant Saver or Charity Investment Account, details of your interest rates can be found here.

     

    If you hold an online savings account, opened with Bradford and Bingley, you can find rate information here.

  • We're sorry to hear that you are thinking about closing your savings account or cash ISA. Please call 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am-10pm on Sundays.

  • Your bond maturity date can be found on the bond certificate that was issued to you when you opened the account.

  • The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.

     

    You can also change it by telephone or in branch.

     

    1. Online Banking (instant):
    Log on and update your details instantly from within the "My Details & Settings" tab. 

    • Choose 'Change personal details' from the left hand menu and then click 'Change address'.

       

    • Enter your new details (including postcode) and follow the onscreen instructions.

       

    • Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.
       

    2. By telephone (for current account and savings customers):

    • Call our Telephone Banking line on 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.

       

    3. In branch:

    • Complete a change of details form by

      • Printing off and completing the Change of details form *

      • Requesting a copy of the form by calling us on 08459 724 724. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.

      • Collect a form from your local branch.
         

    • Take the form to your local branch together with relevant account documentation:

      • Your cash card, passbook or certificate and;

      • Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport). 

         

    If you would like to discuss our identification requirements please call us on 08459 724 724 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.

     

    Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.

     

    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free 
     

     

  • If you are a UK resident and eligible for gross interest because you are a non-taxpayer, then registering for gross interest is easy. Simply visit your nearest branch, call 0845 609 0014 or log on to online banking - you can manage this under personal settings.

AER explained
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

Gross rate explained
The gross rate is the interest rate we pay before income tax is taken off.

Net rate explained
The net rate is the interest rate we pay after deduction of income tax at the rate specified by law (currently 20%). Interest is paid net of basic rate income tax unless you register to receive interest gross.

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