What interest rate does the DF Capital 5 Year Fixed Rate Deposit pay?

The DF Capital 5 Year Fixed Rate Deposit pays 5.35% AER, fixed for 5 years.

How much interest could I earn?

Saving £10,000 for 5 years would earn about £2,977 at 5.35% 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.

How does it compare with other five-year fixed rate bonds?

At 5.35% AER it ranks 1st of 37 five-year fixed rate bonds we track. The best pays 5.35% and the average is 4.77%.

Dashboard

Fixed Rate

DF Capital 5 Year Fixed Rate Deposit Review

A top-paying five-year fixed rate bond from DF Capital, with a £1,000 minimum deposit. None of the other 36 five-year fixed rate bonds we track pays more.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 5 years

5.35%AER

Rate checked Oct 2026Got this account? Leave a review

Min balance

£1,000

Max balance

£250,000

Access

At maturity only

Interest paid

Annually/On maturity

How It Stacks Up

Ranks 1st of 37

5-year fixed bonds we track

Top rate

This account 5.35%

UK CPI (Aug 2026): 3.10%; Pays 2.25% more
Average 5-year fixed: 4.77%; Pays 0.58% more
Best 5-year fixed: 5.35%; 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 5 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

See all DF Capital accounts

Estimated returns with DF Capital's Fixed Rate

What you could earn with DF Capital's 5 Year Fixed Rate Deposit.

Estimated interest

£1,000 saved

£298

At 5.35% AER

£5,000 saved

£1,488

At 5.35% AER

£10,000 saved

£2,977

At 5.35% AER

£250,000 saved

£74,424

At 5.35% AER

Estimated over the 60-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 5 Year Fixed Rate Deposit

Jonny PeaseCo-Founder, DepositScout

At 5.35%, DF Capital's 5 Year Fixed Rate Deposit is the market-leading rate across fixed-rate accounts right now, sitting 2.25% above CPI inflation of 3.1%. It suits savers who want to lock in a strong real return and are confident they won't need the money for five years, since there is no access until maturity. The minimum is a manageable £1,000 and you can deposit up to £250,000. If you want slightly more flexibility on term, Oxbury Bank's Personal 5 Year Bond Account is close at 5.34%.

Compare Fixed Rate Bonds