12 Month Fixed Term Deposit

Fixed for 1 year · Checked 3 Nov 2026, 16:00

4.00%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

This account needs at least £25,000.

Worked out from the AER. Variable rates can change.

Access: No withdrawals or early closure during the term (14-day cooling-off/funding period).
Minimum: £25,000
Maximum: £2,000,000
Interest paid: When the term ends
Manage by: Mobile app, Phone
Who can apply: UK resident aged 18+, sole name only, opened in the Monument app. Minimum £25,000 combined across all Monument savings accounts; maximum £2,000,000.
Where we read it: Monument Bank's own page, 3 November 2026

Juno hasn't read a Summary Box for this account yet. Monument Bank's own page has the full terms and conditions.

Deposit-taker: Monument Bank, a trading name of Monument Bank Limited
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 849724)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £77.9m at 31 December 2024 (latest published accounts).

Up to £120,000 per person is protected across everything you hold with Monument Bank Limited.

No change since tracking began.

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

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