What interest rate does the Habib Bank AG Zurich 6 Months Fixed eDeposit pay?

The Habib Bank AG Zurich 6 Months Fixed eDeposit pays 4.25% AER, fixed for 6 months.

How much interest could I earn?

Saving £10,000 for 6 months would earn about £210 at 4.25% 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 six-month fixed rate bonds?

At 4.25% AER it ranks 8th of 15 six-month fixed rate bonds we track. The best pays 4.60% and the average is 4.07%.

Dashboard

Fixed Rate

Habib Bank AG Zurich 6 Months Fixed eDeposit Review

A competitive six-month fixed rate bond from Habib Bank AG Zurich, with a £5,000 minimum deposit. It ranks 8th of 15 six-month fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 6 months

4.25%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 8th of 15

6-month fixed bonds we track

Above average

This account 4.25%

UK CPI (Aug 2026): 3.10%; Pays 1.15% more
Average 6-month fixed: 4.07%; Pays 0.18% more
Best 6-month fixed: 4.60%; Pays 0.35% less

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

Compare fixed bonds

Worth Weighing Up

Con: Your money is locked in for 6 months
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 6 Months Fixed eDeposit.

Estimated interest

£5,000 saved

£105

At 4.25% AER

£10,000 saved

£210

At 4.25% AER

£50,000 saved

£1,051

At 4.25% AER

£1,000,000 saved

£21,029

At 4.25% AER

Estimated over the 6-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 Habib Bank AG Zurich 6 Months Fixed eDeposit

Jonny PeaseCo-Founder, DepositScout

Habib Bank AG Zurich's 6 Months Fixed eDeposit pays 4.25%, which sits below the market average for fixed-rate accounts and 1.10% behind the current leader at 5.35%. The rate does beat August 2026 CPI of 3.1% by 1.15%, so you are at least preserving real value, but if you are shopping six-month fixes I would look at Atom Bank's 6 Month Fixed Saver at 4.55% before committing here. The main catch is that no early withdrawals or closures are permitted, so you need to be comfortable with your money locked away until maturity, with a minimum of £5,000 to open.

Compare Fixed Rate Bonds