Fixed Deposits & Bonds

Deposits for predictable, risk-conscious growth

Fixed-term bonds and notice accounts designed for savers who want certainty, security and competitive returns on larger sums.

FSCS Protected Guaranteed Returns Competitive Rates
Deposit Portfolio
Fixed-Term Bonds
£125,000.00
Laddered Portfolio
5.05% blended
6-month bond £25k · 4.60%
1-year bond £25k · 4.95%
2-year bond £50k · 5.20%
3-year bond £25k · 5.35%
Interest Paid — 2Y Bond
1st of month · Annual
+£2,600
Fixed-Term Bond Ladder

Guaranteed rates across a range of terms

Lock in competitive rates with our fixed-term bonds. Ladder your deposits across different maturities to balance return and flexibility.

Indicative. Actual rates determined at application.

6 Months Fixed-Term Bond
4.60% AER fixed
Min: £500 · Max: £1,000,000
  • Shortest fixed term
  • Ideal for near-term plans
  • Interest paid on maturity
  • No access during term
Balanced
1 Year Fixed-Term Bond
4.95% AER fixed
Min: £500 · Max: £1,000,000
  • Our most popular term
  • Rate fixed for full 12 months
  • Interest monthly or at maturity
  • FSCS protected up to £85,000
2 Years Fixed-Term Bond
5.20% AER fixed
Min: £500 · Max: £1,000,000
  • Two years of guaranteed returns
  • Interest monthly or annually
  • No early withdrawals
  • Higher rate for longer commitment
Top Rate
3 Years Fixed-Term Bond
5.35% AER fixed
Min: £500 · Max: £1,000,000
  • Highest fixed rate available
  • Full three-year guarantee
  • Interest paid monthly or annually
  • Perfect for longer-term goals
Notice Accounts

Notice accounts — the middle ground

Better rates than easy access, more flexibility than a fixed bond. Give notice and your money is yours.

95-Day Notice Account

Give 95 days notice to withdraw
4.75% AER variable
  • Minimum deposit £500 to open
  • Give 95 days notice to access funds
  • Unlimited notice requests
  • Continue adding to your balance
  • Interest paid monthly
  • Higher rate than easy-access accounts

180-Day Notice Account

Longer notice, better returns
5.05% AER variable
  • Minimum deposit £1,000 to open
  • 180 days notice to withdraw funds
  • Unlimited notice requests
  • Make additional deposits any time
  • Interest paid monthly or annually
  • Our highest notice account rate
Your Deposits Protected

FSCS protection on eligible deposits

Eligible deposits with ABC Bank Plc are protected up to £85,000 per person by the UK's deposit protection scheme. For joint accounts, each account holder is covered up to the applicable limit.

£85k
Per eligible person
£170k
For eligible joint accounts
100%
Automatic cover
Frequently Asked

Questions about our deposits

Find the answers to the most common questions about our bonds and notice accounts.

Rates shown on this page are our current published indicative rates and are intended as a guide only. The actual rate applied to your deposit will be confirmed at the point of application and may differ if rates have moved in the meantime.

Our fixed-term bonds are designed to be held for the full term and typically do not permit early access. Before applying, please ensure you can comfortably leave the money invested for the full length of the bond.

You can give notice to withdraw at any time through our app or online banking. Once the notice period (95 or 180 days) completes, the funds are released to your nominated account. You can submit multiple notice requests at the same time.
Lock In Your Rate Today

Ready to secure predictable returns?

Open a fixed-term bond or notice account in minutes. Confirm your rate, deposit your funds, and sit back while your money works for you.