Independent UK fixed-income comparison
Weigh up fixed-term deposits and investment bonds side by side, then decide in your own time. Nothing is committed until you say so.
Around a minute, no obligation
Same goal, very different mechanics. Here is how each one behaves before you choose.
Savings product
Place funds with a bank or savings provider for an agreed period and take a fixed rate of interest in return.
Investment product
Fixed-income investments that can pay a defined income or return over a set period, depending on the issuer and structure.
The differences matter more than the headline rate. Read across before you decide.
Fixed-Term Deposits
Fixed interest
Investment Bonds
Fixed or defined return depending on product
Fixed-Term Deposits
6 months – 5 years
Investment Bonds
Varies by investment
Fixed-Term Deposits
Generally lower
Investment Bonds
Depends on the investment and issuer
Fixed-Term Deposits
May apply to eligible deposits
Investment Bonds
Depends on the specific investment and circumstances
Fixed-Term Deposits
Often restricted
Investment Bonds
Depends on product terms
Fixed-Term Deposits
People seeking fixed savings rates
Investment Bonds
Investors considering fixed-income investments
Product characteristics, risks, protections and eligibility vary between providers. Always review the documentation associated with an individual product before proceeding.
Your amount, the term you are comfortable with, and whether you want deposits, bonds or both.
RateHarbour narrows the field to products and providers that match what you told us.
Read the terms, risks and protections, then proceed only if it genuinely suits you.
Skip the hours of tab-hopping between provider sites and rate tables.
Filter by how long you are genuinely comfortable locking money away.
Savings deposits and investment products are kept clearly apart, risks and all.
Look, compare, close the tab. Nothing happens until you choose to move.
A rough figure is enough for us to narrow the field down to the options worth your attention.
Start your comparison
One question at a time. Your answers stay with you as you move through the steps.
Choose one option to continue.
RateHarbour is operated by NP Brokerage.
We are a Portsmouth-based team helping UK savers and investors compare fixed-term deposits and investment bonds without blurring the line between the two.
Fixed-term deposits and investment bonds are different types of financial products and carry different risks and protections.
Investment products involve risk. The value of investments and any income from them may fall as well as rise, and capital may be at risk.
Deposit protection depends on the provider, product and customer eligibility. Eligible deposits with eligible UK-authorised institutions may be protected by the Financial Services Compensation Scheme subject to applicable limits and conditions.
Always review the relevant product information, terms and risk disclosures before proceeding.
Tell us your amount, your timeframe and what matters most. We will do the narrowing.
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