Fixed Rate

Hampshire Trust Bank 1 Year Online Fixed Saver Review

A competitive one-year fixed rate bond from Hampshire Trust Bank. It ranks 21st of 69 one-year fixed rate bonds we track.

Fixed rate · 1 year

4.66%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£250,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 21st of 69

1-year fixed bonds we track

Above average
This account 4.66%
UK CPI (Aug 2026)
3.10%
Pays 1.56% more
Average 1-year fixed
4.47%
Pays 0.19% more
Best 1-year fixed
5.12%
Pays 0.46% less

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

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Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 1 year

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Estimated returns with Hampshire Trust Bank's Fixed Rate

What you could earn with Hampshire Trust Bank's 1 Year Online Fixed Saver.

Estimated interest

£1,000 saved

£46.60

At 4.66% AER

£5,000 saved

£233

At 4.66% AER

£10,000 saved

£466

At 4.66% AER

£250,000 saved

£11,650

At 4.66% 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 Hampshire Trust Bank 1 Year Online Fixed Saver

Jonny PeaseCo-Founder, DepositScout

Hampshire Trust Bank's 1 Year Online Fixed Saver pays 4.66%, which sits below the market average for fixed-rate accounts and 0.69% behind the category leader at 5.35%, so I would not call this a standout rate right now. That said, it does beat August 2026 CPI inflation of 3.1% by 1.56 percentage points, which at least means your money grows in real terms. The real catch is the no-access rule: your money is locked until maturity, so only commit funds you genuinely will not need. If you want a one-year fix, OakNorth Bank's Fixed Term 12 Months at 4.96% is worth a look first.

Compare Fixed Rate Bonds

2 alternatives to Hampshire Trust Bank's 1 Year Online Fixed Saver

Same type of account, closest on rate.

Common questions about the 1 Year Online Fixed Saver

D

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