What interest rate does the Charter Savings Bank 3 Year Fixed Rate Bond pay?

The Charter Savings Bank 3 Year Fixed Rate Bond pays 4.95% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,560 at 4.95% 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 £1,000,000.

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?

You can choose to have interest paid monthly or annually.

Who can open this account?

New and existing Charter Savings Bank customers can open it. You can open it online.

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 4.95% AER it ranks 14th of 48 three-year fixed rate bonds we track. The best pays 5.18% and the average is 4.68%.

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Fixed Rate

Charter Savings Bank 3 Year Fixed Rate Bond Review

A competitive three-year fixed rate bond from Charter Savings Bank, with a £5,000 minimum deposit. It ranks 14th of 48 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.95%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 14th of 48

3-year fixed bonds we track

Above average

This account 4.95%

UK CPI (Aug 2026): 3.10%; Pays 1.85% more
Average 3-year fixed: 4.68%; Pays 0.27% more
Best 3-year fixed: 5.18%; Pays 0.23% less

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

Compare fixed bonds

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 3 years
Con: You need at least £5,000 to open it

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Estimated returns with Charter Savings Bank's Fixed Rate

What you could earn with Charter Savings Bank's 3 Year Fixed Rate Bond.

Estimated interest

£5,000 saved

£780

At 4.95% AER

£10,000 saved

£1,560

At 4.95% AER

£50,000 saved

£7,799

At 4.95% AER

£1,000,000 saved

£155,972

At 4.95% 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 Charter Savings Bank 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Charter Savings Bank's 3 Year Fixed Rate Bond pays 4.95% AER, which sits near the market average for fixed-rate bonds and is 0.40% behind the current market leader at 5.35% across all terms. The rate does beat August 2026 CPI of 3.1% by 1.85%, so your money grows in real terms, which matters over three years. The main catch is the usual one for fixed bonds: no access until maturity, so you need to be comfortable locking away at least £5,000 for the full term. Kent Reliance offers a three-year bond at 4.96% if you want to compare before committing.

Compare Fixed Rate Bonds