Santander UK Fixed Term Saver — 4.30% p.a.
United Kingdom · GBP · tenor 1 year · as of August 2026
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.
- Rate p.a.
- 4.30%
- Product
- Fixed Term Saver
- Tenor
- 1 year
- Minimum deposit
- £500
- Maximum deposit
- £2,000,000
- Interest paid
- Annually 4.30% AER/Gross (monthly 4.30% AER / 4.22% Gross)
- Deposit protection
- FSCS (United Kingdom), up to £120,000 per customer
- Currency
- GBP
Santander UK lists the Fixed Term Saver at 4.30% AER/Gross with annual interest for 1, 2 and 3 years (maturity 1 September 2027/2028/2029). AER assumes deposits by 1 September 2026; earlier or later payments can change the return.
From £500, cap £2 million. Extra deposits, partial withdrawals and early closure are excluded during the term. The offer can be withdrawn without notice.
Santander UK is a UK retail bank. The deposit can be booked in euro or Swiss francs — with no GBP FX risk.
Terms
- Tenor: 12 months (24 and 36 months at the same 4.30% AER)
- Minimum: £500, maximum £2,000,000
- AER assumes payment by 1 September 2026
- No top-ups or early access
- Source: Santander UK Fixed Term Saver, as of 4 August 2026
Official bank page: Santander UK
Who it suits
Investors from a £500 equivalent looking for a published one-year rate from a major bank — including those resident in Switzerland.
Risks and notes
- No early access — plan liquidity before you apply.
- The same rate does not automatically apply after maturity.
- Terms and settlement are clarified on a call.
Rates are indicative. The deposit sits with the bank — details in the terms. Terms