Juno's on the scent…
Juno's on the scent…
Ranked by rate alone. No paid placements: who pays us has no say in the order.
Rate fixed for about 4 years; usually no access until the term ends.
13 accounts, highest AER first
| Rank# | Account | AER | Min to open |
|---|---|---|---|
| 1 | Aldermore 4 Year Fixed Rate Savings AccountBeats inflationAged 18+, UK resident and only UK tax residentDetails for Aldermore 4 Year Fixed Rate Savings Account
| 5.17% | £1,000 |
| 2 |
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
Vanquis Bank 4 Year Fixed BondBeats inflationDetails for Vanquis Bank 4 Year Fixed Bond
|
| 5.16% |
| £1,000 |
| 3 | Ikano Bank Fixed 4 Year SaverBeats inflationDetails for Ikano Bank Fixed 4 Year Saver
| 5.05% | £1,000 |
| 4 | thisbank 4-Year Fixed Term DepositBeats inflationSole accounts only; open online or in the appDetails for thisbank 4-Year Fixed Term Deposit
| 5.04% | £100 |
| 5 | United Trust Bank UTB 4 Year BondBeats inflationDetails for United Trust Bank UTB 4 Year Bond
| 5.00% | £5,000 |
| 6 | Zopa Fixed Term Savings pot (4 years)Beats inflationApp onlyDetails for Zopa Fixed Term Savings pot (4 years)
| 4.80% | £1 |
| 7 | Bank of London and The Middle East (BLME) Premier Deposit Account (4 years)Beats inflationDetails for Bank of London and The Middle East (BLME) Premier Deposit Account (4 years)
| 4.35% | £1,000 |
| 8 | Cynergy Bank 4 Year Fixed Rate BondBeats inflationDetails for Cynergy Bank 4 Year Fixed Rate Bond
| 4.25% | £1 |
| 9 | UBL UK 4 Year Fixed Term DepositBeats inflationDetails for UBL UK 4 Year Fixed Term Deposit
| 4.16% | £2,000 |
| 10 | Danske Bank Danske Fixed Term Deposit (4 years)Beats inflationNeeds the bank's current accountDetails for Danske Bank Danske Fixed Term Deposit (4 years)
| 4.09% | £5,000 |
| 11 | Gatehouse Bank 4 Year Fixed Term Woodland SaverBeats inflationDetails for Gatehouse Bank 4 Year Fixed Term Woodland Saver
| 3.90% | £1,000 |
| 12 | PNB International Sterling Fixed Term Deposit, 4 yearsPersonal accounts; opened in a branch or by postDetails for PNB International Sterling Fixed Term Deposit, 4 years
| 3.50% | £1,000 |
| 13 | Bank of India (UK) GBP Fixed Term Deposit (over 4 years to under 5 years)Details for Bank of India (UK) GBP Fixed Term Deposit (over 4 years to under 5 years)
| 3.00% | £1,000 |