Fixed Rate

Hampshire Trust Bank 18 Month Online Fixed Saver Review

A competitive 18-month fixed rate bond from Hampshire Trust Bank. It ranks 8th of 15 18-month fixed rate bonds we track.

Fixed rate · 18 months

4.76%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 8th of 15

18-month fixed bonds we track

Above average
This account 4.76%
UK CPI (Aug 2026)
3.10%
Pays 1.66% more
Average 18-month fixed
4.62%
Pays 0.14% more
Best 18-month fixed
5.12%
Pays 0.36% less

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

Compare fixed bonds

Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 18 months

Good to Know

You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance.

Please verify all details with the provider – see our Disclaimer

See all Hampshire Trust Bank accounts

Estimated returns with Hampshire Trust Bank's Fixed Rate

What you could earn with Hampshire Trust Bank's 18 Month Online Fixed Saver.

Estimated interest

£1,000 saved

£72.24

At 4.76% AER

£5,000 saved

£361

At 4.76% AER

£10,000 saved

£722

At 4.76% AER

£250,000 saved

£18,061

At 4.76% AER

Estimated over the 18-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 Hampshire Trust Bank 18 Month Online Fixed Saver

Jan WatermannCo-Founder, DepositScout

Hampshire Trust Bank's 18 Month Online Fixed Saver pays 4.76%, which sits below the market average for fixed-rate accounts and 0.59% behind the current leader at 5.35%. It does beat inflation by 1.66 percentage points against August 2026 CPI of 3.1%, so your money is growing in real terms, but savers who shop around can do better for this same 18-month term. Chetwood Bank's 18 Month Fixed Rate Savings pays 4.90%, and the real catch here is the usual one for fixed bonds: no access at all until maturity, on up to £250,000.

Compare Fixed Rate Bonds

2 alternatives to Hampshire Trust Bank's 18 Month Online Fixed Saver

Same type of account, closest on rate.

Common questions about the 18 Month Online Fixed Saver

D

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4.20% AER
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