Sterling Fixed Term Deposit, 4 years

Fixed for 4 years · Checked by hand 30 October 2026

3.50%

AER

Not above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £2,950.46 in 4 years, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: Early closure allowed: interest paid for the time held at the published rate for that period, less 0.5%.
Minimum: £1,000
Interest paid: Once a year
Manage by: Branch, Post
Who can apply: Personal accounts; opened in a branch or by post. If you don't hold a PNB current account, a no-fee savings account is opened alongside. Rates from 13 October 2026.
Where we read it: PNB International'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. PNB International's own page has the full terms and conditions.

Who holds your money

Deposit-taker: PNB International, a trading name of Punjab National Bank (International) Limited
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 459701)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £163m at 31 March 2025 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Punjab National Bank (International) Limited.

Check your total protection

Rate history

No change since tracking began.

Don't miss the end date

The term ends after 4 years. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to PNB International to apply

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