What interest rate does the Habib Bank AG Zurich 12 Months Fixed eDeposit pay?

The Habib Bank AG Zurich 12 Months Fixed eDeposit pays 4.75% AER, fixed for one year.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £475 at 4.75% 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?

Interest is paid at the end of the term.

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 4.75% AER it ranks 19th of 69 one-year fixed rate bonds we track. The best pays 5.12% and the average is 4.47%.

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Fixed Rate

Habib Bank AG Zurich 12 Months Fixed eDeposit Review

A competitive one-year fixed rate bond from Habib Bank AG Zurich, with a £5,000 minimum deposit. It ranks 19th of 69 one-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 1 year

4.75%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

On maturity

How It Stacks Up

Ranks 19th of 69

1-year fixed bonds we track

Above average

This account 4.75%

UK CPI (Aug 2026): 3.10%; Pays 1.65% more
Average 1-year fixed: 4.47%; Pays 0.28% more
Best 1-year fixed: 5.12%; Pays 0.37% less

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

Compare fixed bonds

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 Habib Bank AG Zurich's Fixed Rate

What you could earn with Habib Bank AG Zurich's 12 Months Fixed eDeposit.

Estimated interest

£5,000 saved

£238

At 4.75% AER

£10,000 saved

£475

At 4.75% AER

£50,000 saved

£2,375

At 4.75% AER

£1,000,000 saved

£47,500

At 4.75% 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 Habib Bank AG Zurich 12 Months Fixed eDeposit

Jonny PeaseCo-Founder, DepositScout

Habib Bank AG Zurich's 12 Months Fixed eDeposit pays 4.75%, which beats CPI inflation of 3.1% by 1.65 percentage points, but it sits below the market average for fixed-rate accounts and trails the category leader by 0.60%, where the best available rate is 5.35%. You need at least £5,000 to open it, and the money is completely locked away until maturity with no early withdrawals or closures permitted. If you want a one-year fix, I would check Investec's 1-Year Fixed Rate Saver at 5.00% or OakNorth Bank's Fixed Term 12 Months at 4.96% before committing here.

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