What interest rate does the Bank of Ireland UK Limited Edition Fixed Term Deposit 6 Months pay?

The Bank of Ireland UK Limited Edition Fixed Term Deposit 6 Months pays 3.75% AER, fixed for 6 months.

How much interest could I earn?

Saving £10,000 for 6 months would earn about £186 at 3.75% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £2,000 and up to £5,000,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

Interest is paid at the end of the term.

Who can open this account?

New and existing Bank of Ireland UK customers can open it. You can open it online, in branch or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other six-month fixed rate bonds?

At 3.75% AER it ranks 12th of 15 six-month fixed rate bonds we track. The best pays 4.62% and the average is 4.09%.

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Bank of Ireland UK Limited Edition Fixed Term Deposit 6 Months Review

A six-month fixed rate bond from Bank of Ireland UK, with a £2,000 minimum deposit. It ranks 12th of 15 six-month fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 6 months

3.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£2,000

Max balance

£5,000,000

Access

At maturity only

Interest paid

On Maturity

How It Stacks Up

Ranks 12th of 15

6-month fixed bonds we track

Below average

This account 3.75%

UK CPI (Aug 2026): 3.10%; Pays 0.65% more
Average 6-month fixed: 4.09%; Pays 0.34% less
Best 6-month fixed: 4.62%; Pays 0.87% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare fixed bonds

A Good Fit For

Pro: New and existing savers

Worth Weighing Up

Con: Your money is locked in for 6 months
Con: You need at least £2,000 to open it

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Estimated returns with Bank of Ireland UK's Fixed Rate

What you could earn with Bank of Ireland UK's Limited Edition Fixed Term Deposit 6 Months.

Estimated interest

£5,000 saved

£92.89

At 3.75% AER

£10,000 saved

£186

At 3.75% AER

£50,000 saved

£929

At 3.75% AER

£5,000,000 saved

£92,887

At 3.75% AER

Estimated over the 6-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Bank of Ireland UK Limited Edition Fixed Term Deposit 6 Months

Jan WatermannCo-Founder, DepositScout

Bank of Ireland UK's six-month fix pays 3.75%, which sits below the market average for fixed-rate accounts and 1.62% behind the category leader at 5.37%, so this is not where I would go if rate is your priority. It does beat August 2026 CPI of 3.1% by 0.65%, so your money keeps pace with inflation, but only just. The minimum is £2,000 and the money is completely locked until maturity with no withdrawals permitted, which is the standard fixed-term catch. Cynergy Bank's six-month bond at 4.57% or Atom Bank's at 4.55% are worth a look first.

Compare Fixed Rate Bonds