Fixed Rate

Bath Building Society Two Year Fixed Rate Bond Review

A two-year fixed rate bond from Bath Building Society. It ranks 54th of 63 two-year fixed rate bonds we track.

Fixed rate · 2 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 54th of 63

2-year fixed bonds we track

Below average
This account 4.20%
UK CPI (Aug 2026)
3.10%
Pays 1.10% more
Average 2-year fixed
4.61%
Pays 0.41% less
Best 2-year fixed
5.16%
Pays 0.96% 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 2 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 Two Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£85.76

At 4.2% AER

£5,000 saved

£429

At 4.2% AER

£10,000 saved

£858

At 4.2% AER

£100,000 saved

£8,576

At 4.2% AER

Estimated over the 24-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 Two Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Bath Building Society's Two Year Fixed Rate Bond pays 4.20%, which is 1.15% behind the best rate in the fixed-rate market at 5.35%, and sits below the market average, so this is not a rate I would lead with. It does beat August 2026 CPI of 3.1% by 1.10%, so your money grows in real terms, but savers willing to shop around could do better with alternatives such as Kent Reliance's two-year fix at 4.91%. The key catch is that no withdrawals or early closure are permitted, so you need to be comfortable locking away up to £100,000 for the full two years.

Compare Fixed Rate Bonds

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

Same type of account, closest on rate.

Common questions about the Two Year Fixed Rate Bond

D

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