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Fixed rate bonds

Our fixed rate bonds allow you to put money away knowing your interest rate won't change whilst your account is open.

We have a wide range of fixed rate bonds which, if you're looking to put away a lump sum without touching it for a while, might be worth a look. Some of our accounts pay interest monthly, handy if you want to top up your income.

Why a Fixed Rate Bond could work for you

If you are looking for a good rate of interest, don’t need access to your money and want the reassurance of knowing what your interest rate will be, then a fixed rate bond could be a good choice.

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Let us know if you need any additional support when managing your money and we will do what we can to help.

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Fixed Rate Bonds

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
1 Year Fixed Rate Bond £1000 4.01% AER
4.01% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000 - £2,000,000 4.01% 4.01% 4.01% 3.94%

Interest is fixed and paid yearly or monthly. If you choose to have your interest paid yearly, it will be paid at maturity on 30 June 2026 and can be added to the account or paid into another account. If you choose to have your interest paid monthly, it must be paid to another account. It’s paid on the first working day of the month if paid to another West Brom account, or on the last working day of each month for accounts with another bank or building society.

No You can't take your money out during the fixed term. 1 Year Fixed Rate Bond
2 Year Fixed Rate Bond £1000 3.90% AER
3.90% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000 - £2,000,000 3.90% 3.90% 3.90% 3.83%

Interest is fixed and paid yearly or monthly. If you choose to have your interest paid yearly, it will be paid on 30 June (starting from 30 June 2026) and can be added to the account or paid into another account. If you choose to have your interest paid monthly, it must be paid to another account. It’s paid on the first working day of the month if paid to another West Brom account, or on the last working day of each month for accounts with another bank or building society.

No You can't take your money out during the fixed term. 2 Year Fixed Rate Bond
​5 Year Fixed Rate Bond £1000 3.91% AER
3.91% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000 - £2,000,000 3.91% 3.91% 3.91% 3.84%

Interest is fixed and paid yearly or monthly. If you choose to have your interest paid yearly, it will be paid on 30 June (starting from 30 June 2026) and can be added to the account or paid into another account. If you choose to have your interest paid monthly, it must be paid to another account. It’s paid on the first working day of the month if paid to another West Brom account, or on the last working day of each month for accounts with another bank or building society.

No You can't take your money out during the fixed term. ​5 Year Fixed Rate Bond

Your savings are protected

Your eligible deposits are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme.

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Protecting your money

Savings toolkit

If you have some questions or want to see how much you need to save before making any decisions, we have some handy tools and guides to help.

Savings calculator

Savings calculator

Crunch the numbers and see how much you could save over time.

Savings calculator
Making the most of your ISA

Fixed rate bond guide

Get to grips with all things bonds - check out our guide.

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ISA FAQs

Savings FAQs

Check out our most frequently asked questions.

Savings FAQs
Contact us

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Chat to our friendly Customer Service team today.

0345 241 3785

schedule 8:30am and 6pm Monday to Friday

schedule 8:30am to 12:30pm on Saturday

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