What interest rate does the Conister Bank 1 Year Fixed Rate pay?

The Conister Bank 1 Year Fixed Rate pays 5.15% AER, fixed for one year.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £515 at 5.15% 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 £100,000.

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 Conister 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 one-year fixed rate bonds?

At 5.15% AER it ranks 1st of 77 one-year fixed rate bonds we track. The best pays 5.15% and the average is 4.61%.

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Fixed Rate Compare 1 Year Fixed Rate Bonds

Conister Bank 1 Year Fixed Rate Review

A top-paying one-year fixed rate bond from Conister Bank, with a £5,000 minimum deposit. None of the other 76 one-year fixed rate bonds we track pays more.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 1 year

5.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£100,000

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 1st of 77

1-year fixed bonds we track

Top rate

This account 5.15%

UK CPI (Sep 2026): 3.50%; Pays 1.65% more
Average 1-year fixed: 4.61%; Pays 0.54% more
Best 1-year fixed: 5.15%; About the same

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 1 year
Con: You need at least £5,000 to open it

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Estimated returns with Conister Bank's Fixed Rate

What you could earn with Conister Bank's 1 Year Fixed Rate.

Estimated interest

£5,000 saved

£258

At 5.15% AER

£10,000 saved

£515

At 5.15% AER

£50,000 saved

£2,575

At 5.15% AER

£100,000 saved

£5,150

At 5.15% AER

Estimated over one year, 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 Conister Bank 1 Year Fixed Rate

Jonny PeaseCo-Founder, DepositScout

Conister Bank's one-year fix pays 5.15%, which sits above the market average for fixed-rate accounts, though it trails the category leader by 0.22% at 5.37%. That said, 5.15% still beats September 2026 CPI by 1.65 percentage points, so your money grows in real terms. You need at least £5,000 to open and the main catch is the usual one for fixed bonds: no access until maturity. If you want alternatives at the same rate, AlRayan Bank's 12 Month Fixed Term Deposit also pays 5.15%.

Compare Fixed Rate Bonds