What interest rate does the Castle Trust Bank 5 years Fixed Rate e-Saver pay?

The Castle Trust Bank 5 years Fixed Rate e-Saver pays 4.65% AER, fixed for 5 years.

How much interest could I earn?

Saving £10,000 for 5 years would earn about £2,552 at 4.65% 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 five-year fixed rate bonds?

At 4.65% AER it ranks 22nd of 38 five-year fixed rate bonds we track. The best pays 5.35% and the average is 4.74%.

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Fixed Rate

Castle Trust Bank 5 years Fixed Rate e-Saver Review

A five-year fixed rate bond from Castle Trust Bank, with a £1,000 minimum deposit. It ranks 22nd of 38 five-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 5 years

4.65%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 22nd of 38

5-year fixed bonds we track

Just below average

This account 4.65%

UK CPI (Aug 2026): 3.10%; Pays 1.55% more
Average 5-year fixed: 4.74%; Pays 0.09% less
Best 5-year fixed: 5.35%; Pays 0.70% 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 5 years
Con: You need at least £1,000 to open it

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Estimated returns with Castle Trust Bank's Fixed Rate

What you could earn with Castle Trust Bank's 5 years Fixed Rate e-Saver.

Estimated interest

£1,000 saved

£255

At 4.65% AER

£5,000 saved

£1,276

At 4.65% AER

£10,000 saved

£2,552

At 4.65% AER

£500,000 saved

£127,576

At 4.65% 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 Castle Trust Bank 5 years Fixed Rate e-Saver

Jonny PeaseCo-Founder, DepositScout

Castle Trust Bank's 5 Years Fixed Rate e-Saver pays 4.65%, which is 0.70% below the leading fixed-rate account on the market at 5.35%, and sits below the market average for fixed-rate accounts across all terms. That said, it does beat August 2026 CPI of 3.1% by 1.55%, so your money grows in real terms. The big catch is that your money is locked until maturity with no access, though Castle Trust will consider withdrawals if you can demonstrate genuine financial hardship. If you want a five-year fix, Chetwood Bank's 5 Year Fixed Rate Savings at 5.20% is worth a look first.

Compare Fixed Rate Bonds