Personal All-in-One Fixed Term Deposit, 12 months

Fixed for 1 year · Checked by hand 30 October 2026

4.18%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £836.00 in 1 year, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals during the term; early closure only in limited cases, with loss of interest.
Minimum: £20,000
Interest paid: When the term ends
Manage by: Branch, Online
Who can apply: UK resident aged 16+ with an existing Bank of China (UK) account. Opened in a UK branch. 12-month term needs £20,000 or more. Rates fixed from 11 September 2026.
Where we read it: Bank of China (UK)'s own page, 30 October 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Full details

Juno hasn't read a Summary Box for this account yet. Bank of China (UK)'s own page has the full terms and conditions.

Who holds your money

Deposit-taker: Bank of China (UK), a trading name of Bank of China (UK) Limited
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 467410)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £414m at 31 December 2024 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Bank of China (UK) Limited.

Check your total protection

Rate history

No change since tracking began.

Don't miss the end date

The term ends after 1 year. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to Bank of China (UK) to apply

You'll apply on Bank of China (UK)'s own website. Bank of China (UK) may pay us if you open this account; that doesn't affect its position in our results.