What interest rate does the Charity Bank 9 Month Fixed Rate Account pay?

The Charity Bank 9 Month Fixed Rate Account pays 3.91% AER, fixed for 9 months.

How much interest could I earn?

Saving £10,000 for 9 months would earn about £292 at 3.91% 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 £5,000 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 Charity Bank customers can open it. You can open it online or by post.

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 nine-month fixed rate bonds?

At 3.91% AER it ranks 9th of 9 nine-month fixed rate bonds we track. The best pays 4.80% and the average is 4.40%.

Charity Bank 9 Month Fixed Rate Account Review: 3.91% AER (Oct 2026)

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£500,000

Access

At maturity only

Interest paid

On maturity

How It Stacks Up

Ranks 9th of 9

9-month fixed bonds we track

Below average

This account 3.91%

UK CPI (Aug 2026): 3.10%; Pays 0.81% more
Average 9-month fixed: 4.40%; Pays 0.49% less
Best 9-month fixed: 4.80%; Pays 0.89% 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 9 months
Con: You need at least £5,000 to open it

Good to Know

For individuals aged 16+ who are permanently resident in the UK (listing also says only liable to pay tax in the UK); sole or joint (max two). Interest paid gross. Deposits over £500,000 by arrangement. At maturity, if no instructions, funds move to an Ethical 33-Day Notice account. Your money funds loans to charities and social enterprises.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Charity Bank's Fixed Rate

What you could earn with Charity Bank's 9 Month Fixed Rate Account.

Estimated interest

£5,000 saved

£146

At 3.91% AER

£10,000 saved

£292

At 3.91% AER

£50,000 saved

£1,459

At 3.91% AER

£500,000 saved

£14,592

At 3.91% AER

Estimated over the 9-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Charity Bank 9 Month Fixed Rate Account Review

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with Charity Bank's Fixed Rate

2 alternatives to Charity Bank's 9 Month Fixed Rate Account3 alternatives to Charity Bank's 9 Month Fixed Rate Account

Common questions about the 9 Month Fixed Rate Account

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