What interest rate does the Castle Trust Bank 3 year Fixed Rate e-Saver pay?

The Castle Trust Bank 3 year Fixed Rate e-Saver pays 4.60% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,444 at 4.60% 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 £1,000 and up to £500,000.

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 Castle Trust Bank customers can open it. You can open it online or in the app.

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 three-year fixed rate bonds?

At 4.60% AER it ranks 26th of 46 three-year fixed rate bonds we track. The best pays 5.18% and the average is 4.66%.

Dashboard

Fixed Rate

Castle Trust Bank 3 year Fixed Rate e-Saver Review

A three-year fixed rate bond from Castle Trust Bank, with a £1,000 minimum deposit. It ranks 26th of 46 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.60%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£500,000

Access

At maturity only

Interest paid

On Maturity

How It Stacks Up

Ranks 26th of 46

3-year fixed bonds we track

Just below average

This account 4.60%

UK CPI (Aug 2026): 3.10%; Pays 1.50% more
Average 3-year fixed: 4.66%; Pays 0.06% less
Best 3-year fixed: 5.18%; Pays 0.58% 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 3 years
Con: You need at least £1,000 to open it

Please verify all details with the provider – see our Disclaimer

See all Castle Trust Bank accounts

Estimated returns with Castle Trust Bank's Fixed Rate

What you could earn with Castle Trust Bank's 3 year Fixed Rate e-Saver.

Estimated interest

£1,000 saved

£144

At 4.6% AER

£5,000 saved

£722

At 4.6% AER

£10,000 saved

£1,444

At 4.6% AER

£500,000 saved

£72,223

At 4.6% AER

Estimated over the 36-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 Castle Trust Bank 3 year Fixed Rate e-Saver

Jan WatermannCo-Founder, DepositScout

Castle Trust Bank's 3 Year Fixed Rate e-Saver pays 4.60%, which sits below the market average for fixed-rate accounts and 0.75% behind the current leader at 5.35% across all terms, so I would shop around before committing. That said, 4.60% does beat August 2026 CPI of 3.1% by 1.50%, meaning your money grows in real terms over the three years. The real catch here is the access restriction: your money is locked until maturity, with withdrawals only considered in demonstrated financial hardship. This suits someone with a spare £1,000 to £500,000 they are confident they will not need for three years.

Compare Fixed Rate Bonds

2 alternatives to Castle Trust Bank's 3 year Fixed Rate e-Saver3 alternatives to Castle Trust Bank's 3 year Fixed Rate e-Saver

Same type of account, closest on rate.

Common questions about the 3 year Fixed Rate e-Saver

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down

4.20% AER

4.75%

View Best Rates

Live Market Tracking

Be the first to know when this Castle Trust Bank rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.