What interest rate does the DF Capital 1 Year Fixed Rate Deposit pay?

The DF Capital 1 Year Fixed Rate Deposit pays 4.90% AER, fixed for one year.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £490 at 4.90% 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 £250,000.

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 annually or at the end of the term.

Who can open this account?

New and existing DF Capital 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 4.90% AER it ranks 16th of 76 one-year fixed rate bonds we track. The best pays 5.13% and the average is 4.55%.

Dashboard

Fixed Rate

DF Capital 1 Year Fixed Rate Deposit Review

One of the best-paying one-year fixed rate bonds, from DF Capital, with a £1,000 minimum deposit. It ranks 16th of 76 one-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 1 year

4.90%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£250,000

Access

At maturity only

Interest paid

Annually/On maturity

How It Stacks Up

Ranks 16th of 76

1-year fixed bonds we track

Among the best

This account 4.90%

UK CPI (Aug 2026): 3.10%; Pays 1.80% more
Average 1-year fixed: 4.55%; Pays 0.35% more
Best 1-year fixed: 5.13%; 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

Worth Weighing Up

Con: Your money is locked in for 1 year
Con: You need at least £1,000 to open it

Good to Know

A deposit must be made within 14 calendar days of opening to secure the fixed rate.

Please verify all details with the provider – see our Disclaimer

See all DF Capital accounts

Estimated returns with DF Capital's Fixed Rate

What you could earn with DF Capital's 1 Year Fixed Rate Deposit.

Estimated interest

£1,000 saved

£49.00

At 4.9% AER

£5,000 saved

£245

At 4.9% AER

£10,000 saved

£490

At 4.9% AER

£250,000 saved

£12,250

At 4.9% 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 DF Capital 1 Year Fixed Rate Deposit

Jonny PeaseCo-Founder, DepositScout

DF Capital's 1 Year Fixed Rate Deposit pays 4.90%, which beats August 2026 CPI of 3.1% by 1.80%, so your money does at least grow in real terms. That said, 4.90% sits below the market average for fixed-rate deposits, and the best rate across the fixed-rate market is 5.37%, leaving this account 0.47% behind. I would still check NS&I's Guaranteed Growth Bonds or Guaranteed Income Bonds, both paying 4.99% for one year. The main catch here is the usual one for fixed bonds: your money is locked until maturity, with no access at all between £1,000 and £250,000.

Compare Fixed Rate Bonds

2 alternatives to DF Capital's 1 Year Fixed Rate Deposit3 alternatives to DF Capital's 1 Year Fixed Rate Deposit

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Deposit

DepositScout Alerts

Example alert

Easy Access rate just dropped

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

Example Easy Access Saver Rate Down

4.20% AER

4.75%

View Best Rates

Live Market Tracking

Be the first to know when this DF Capital 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.