What interest rate does the DF Capital 2 Year Fixed Rate Deposit pay?

The DF Capital 2 Year Fixed Rate Deposit pays 5.15% AER, fixed for 2 years.

How much interest could I earn?

Saving £10,000 for 2 years would earn about £1,057 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 £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 two-year fixed rate bonds?

At 5.15% AER it ranks 1st of 62 two-year fixed rate bonds we track. The best pays 5.15% and the average is 4.60%.

Dashboard

Fixed Rate

DF Capital 2 Year Fixed Rate Deposit Review

A top-paying two-year fixed rate bond from DF Capital, with a £1,000 minimum deposit. None of the other 61 two-year fixed rate bonds we track pays more.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 2 years

5.15%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 1st of 62

2-year fixed bonds we track

Top rate

This account 5.15%

UK CPI (Aug 2026): 3.10%; Pays 2.05% more
Average 2-year fixed: 4.60%; Pays 0.55% more
Best 2-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

Worth Weighing Up

Con: Your money is locked in for 2 years
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

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Estimated returns with DF Capital's Fixed Rate

What you could earn with DF Capital's 2 Year Fixed Rate Deposit.

Estimated interest

£1,000 saved

£106

At 5.15% AER

£5,000 saved

£528

At 5.15% AER

£10,000 saved

£1,057

At 5.15% AER

£250,000 saved

£26,413

At 5.15% AER

Estimated over the 24-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 DF Capital 2 Year Fixed Rate Deposit

Jan WatermannCo-Founder, DepositScout

DF Capital's 2 Year Fixed Rate Deposit at 5.15% sits above the market average for fixed-rate accounts, though it is 0.20% behind the category leader at 5.35%, so it is solid without being the outright best available. The rate does beat CPI inflation of 3.1% by 2.05 percentage points, which will appeal to savers who want a real return locked in over two years. The key catch is the no-access rule: your money is tied up until maturity, so I would only commit funds you are certain you will not need. You need at least £1,000 to open and can deposit up to £250,000.

Compare Fixed Rate Bonds