Rate p.a.4.75%
Tenor2 years
CurrencyGBP
NatWest two-year fixed deposit: 4.75% AER on balances up to £99,999 — the highest officially published rate in this overview.
FSCS (United Kingdom), up to £120,000 per customer · max. £99,999
Fixed deposits · UK, EU & CH
Well-known banks’ fixed deposits — compared clearly
Official terms from HSBC, Barclays, NatWest, Santander, Nationwide and BBVA: rate, tenor, currency and minimum deposit. Deposits are booked in euro or Swiss francs — not in pounds. There is no GBP FX risk.
- Free and no obligation
- Rates from bank pages, with as-of date
- Reply usually within one working day
As of: August 2026. Rates are indicative. The deposit sits with the bank — details in the terms. Terms
At a glance
Highest published rate in this overview: 4.75% p.a. (indicative; see as-of date below). Deposit protection depends on the bank: FSCS or an EU scheme. Only the bank contract is binding.
Market overview
Published fixed-deposit offers
Sorted by rate. Deposits can be booked in euro or Swiss francs. Only the bank’s application terms are binding.
Rate p.a.4.40%
Tenor2 years
CurrencyGBP
HSBC UK two-year Fixed Rate Saver at 4.40% AER — official rate from £2,000, as of 13 August 2026.
FSCS (United Kingdom), up to £120,000 per customer · max. £1,000,000
Rate p.a.4.30%
Tenor1 year
CurrencyGBP
Santander UK one-year Fixed Term Saver at 4.30% AER — the same published rate also applies to two and three years. As of 4 August 2026.
FSCS (United Kingdom), up to £120,000 per customer · max. £2,000,000
Rate p.a.4.25%
Tenor1 year
CurrencyGBP
Nationwide Building Society one-year online bond at 4.25% AER — published on the product page, from £1.
FSCS (United Kingdom), up to £120,000 per customer
Rate p.a.3.80%
Tenor1 year
CurrencyGBP
Barclays one-year Bond Issue 131: 3.80% AER from £500, effective from 6 July 2026.
FSCS (United Kingdom), up to £120,000 per customer · max. £1,000,000
Rate p.a.3.80%
Tenor1 year
CurrencyGBP
Same HSBC UK table, one-year Fixed Rate Saver: 3.80% AER from £2,000. Shorter lock-in than the two-year rate, 60 basis points lower.
FSCS (United Kingdom), up to £120,000 per customer · max. £1,000,000
Rate p.a.3.50%
Tenor5 years
CurrencyEUR
BBVA German branch five-year fixed deposit: 3.50% p.a. on the official table — the highest EUR rate in this overview, from €500, with a free current account.
Statutory Spanish / EU deposit guarantee (FGD, up to €100,000) · max. €1,000,000
Rate p.a.3.10%
Tenor1 year
CurrencyEUR
Same BBVA table, twelve-month fixed deposit: 3.10% p.a. — shorter lock-in than the five-year rate, 40 basis points lower.
Statutory Spanish / EU deposit guarantee (FGD, up to €100,000) · max. €1,000,000
Process
How it works
- Check the offersRate, currency, tenor and minimum deposit at a glance.
- Open the detailSource, protection and product profile in plain language.
- Send an enquiryWe gather matching terms — we discuss conditions on a call.
GCF–CSCM
Why investors start with us
- Comparison, not a catalogue. We show the published rate — plus currency, tenor and protection country.
- Fits your plan. Amount, horizon and currency first. Then the bank — not the other way around.
- Deposit sits with the bank. GCF Capital Management advises and intermediates. Your fixed deposit is with the bank, not with us.
- Swiss banks (UBS, ZKB, Swissquote, private banks): Festgeld Switzerland
- Related: Corporate bonds
Hold fixed deposits in euro or Swiss francs — without GBP FX risk.
FAQ
Frequently asked questions
What is a fixed deposit?
A bank deposit with a fixed interest rate and a fixed term. In the UK the equivalent is often called a Fixed Rate Bond or Fixed Rate Saver. You know from the start what comes back — the capital stays locked for that period.
Can I take these offers from Switzerland?
Yes. The offers listed here can also be relevant for investors resident in Switzerland. What matters are each bank’s eligibility rules and the currency you want. For deposits in Swiss francs or euro there is no GBP FX risk.
How safe is the deposit?
Depending on the bank: FSCS up to £120,000 per customer, or the Spanish deposit guarantee (FGD) up to €100,000. Above that, you take institution risk. The schemes are not identical and not 1:1 convertible.
Are the rates binding?
No — an indicative overview with as-of date and a link to the bank page. What counts are the terms in the application. Published UK rates are AER; BBVA quotes p.a.
Are there fees for me?
Our advice and intermediation are free. Account opening and running costs follow the respective bank.
Can I access the money early?
For classic fixed-rate products, usually no. HSBC allows early closure with an interest deduction. BBVA advertises flexible access — details are in the bank contract and we clarify them on a call.
What is GCF Capital Management’s role?
We advise and intermediate. You open the deposit with the bank — details are in the terms.
Ready for matching terms?
No-obligation enquiry. We review amount, tenor, currency and banks and usually reply the next working day.