Savings rates
Rates reviewed daily · last updated 5 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Two Year Fixed Rate Bond | 4.20% | 2 Years | Yearly | £500 | |
| One Year Fixed Rate Bond | 4.20% | 1 Year | Yearly | £500 | |
| Five Year Fixed Rate Bond | 4.20% | 5 Years | Yearly | £500 |
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| Five Year Fixed Rate ISA | 4.15% | 5 Years | Accepted | £1 | |
| One Year Fixed Rate ISA | 4.15% | 1 Year | Accepted | £1 | |
| Two Year Fixed Rate ISA | 4.15% | 2 Years | Accepted | £1 | |
| Limited Access ISA | 3.65% | Two withdrawals | Accepted | £1 | |
| Instant ISA | 2.60% | Instant | Accepted | £1 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Limited Access Account | 3.65% | Two withdrawals | Variable | £500 | |
| Instant Access | 2.50% | Instant | Variable | £1 |
Notice Account
| Account | AER | Notice period | Interest | Min Balance | |
|---|---|---|---|---|---|
| 60 Day Notice Savings Account | 3.10% | 60 Days | Variable | £500 |
Lifetime ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Lifetime ISA (LISA) | 2.60% | Age 60+ or first home | Annually | £1 |
Is Bath Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Bath Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under Bath Investment & Building Society.
Banking licence: Bath Investment & Building Society
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Bath Building Society - formally Bath Investment and Building Society - is a mutual building society based in Bath, England, founded in 1904.
In the 1980s it rejected several merger proposals in order to preserve its mutual structure, prioritising member control and a local focus over the consolidations that reshaped much of the sector. That independence still defines it today. Profits are reinvested in the society and the interests of members and the community, not paid to external shareholders. It is a small operation by design - there are no huge call centres, which means you get straight through to the team when you call.
On Smart Money People, the society is rated 4.7 out of 5 based on over 2,000 reviews.
Savings accounts
Bath Building Society offers a broad range of savings options, all starting from a very low minimum balance. For straightforward easy access, there is an Instant Access account and a Limited Access Account - the latter restricts you to two withdrawals a year in exchange for a higher variable rate. Fixed Rate Bonds are available at one, two, and five year terms, all at the same rate with a £500 minimum and no access until maturity. On the ISA side, the range covers an Instant ISA, a Limited Access ISA, fixed terms of one, two and five years, and a Lifetime ISA for first-home buyers or those saving towards retirement from age 60. As ever, rates are variable where noted and can change - the live figures on this page are the ones to rely on.
All savings held with Bath Building Society are protected up to £120,000 per person by the FSCS. Bath Building Society's eligible deposits are protected by the FSCS up to £120,000 per person, per authorised firm (banking licence).
Is it right for you?
Bath Building Society suits savers who want a genuinely mutual home for their money - one where the organisation is small enough to feel personal. The ISA range is particularly wide, and the Lifetime ISA is worth a look if you are a first-time buyer or saving for the long term, though you should weigh the LISA withdrawal rules carefully before committing. The fixed rate bonds and ISAs suit those who can lock money away, while the Limited Access accounts offer a middle ground for people who want a higher variable rate but can live with infrequent withdrawals. There are no current account switch offers to factor in. Check the live rates shown on this page before deciding, as rates move and the comparison may look different from one week to the next.
This overview was generated by DepositScout's AI, Penny on 9 September 2026. It may contain inaccuracies — always confirm rates and terms with Bath Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
