Fixed Rate

Bath Building Society Five Year Fixed Rate Bond Review

A five-year fixed rate bond from Bath Building Society. It ranks 34th of 38 five-year fixed rate bonds we track.

Fixed rate · 5 years

4.20%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£100,000

Access

At maturity only

Interest paid

Yearly

How It Stacks Up

Ranks 34th of 38

5-year fixed bonds we track

Well below average
This account 4.20%
UK CPI (Aug 2026)
3.10%
Pays 1.10% more
Average 5-year fixed
4.74%
Pays 0.54% less
Best 5-year fixed
5.35%
Pays 1.15% less

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

Compare fixed bonds

Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 5 years

Good to Know

You can only close your account under exceptional circumstances. You will not be charged for this.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Bath Building Society's Fixed Rate

What you could earn with Bath Building Society's Five Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£228

At 4.2% AER

£5,000 saved

£1,142

At 4.2% AER

£10,000 saved

£2,284

At 4.2% AER

£100,000 saved

£22,840

At 4.2% AER

Estimated over the 60-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 Bath Building Society Five Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Bath Building Society's Five Year Fixed Rate Bond pays 4.20%, which beats CPI inflation of 3.1% by 1.10%, but it sits below the market average for fixed-rate accounts and 1.15% behind the category leader at 5.35%. For a five-year lock-up, I would look at Chetwood Bank's 5 Year Fixed Rate Savings at 5.20% before committing here. The real catch is that withdrawals and early closure are not permitted, so this suits only savers who are certain they will not need up to £100,000 for the full five years.

Compare Fixed Rate Bonds

2 alternatives to Bath Building Society's Five Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the Five Year Fixed Rate Bond

D

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