Fixed Rate

Hampshire Trust Bank 2 Year Online Fixed Saver Review

A competitive two-year fixed rate bond from Hampshire Trust Bank. It ranks 17th of 63 two-year fixed rate bonds we track.

Fixed rate · 2 years

4.82%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 17th of 63

2-year fixed bonds we track

Above average
This account 4.82%
UK CPI (Aug 2026)
3.10%
Pays 1.72% more
Average 2-year fixed
4.61%
Pays 0.21% more
Best 2-year fixed
5.16%
Pays 0.34% 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 2 years

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Estimated returns with Hampshire Trust Bank's Fixed Rate

What you could earn with Hampshire Trust Bank's 2 Year Online Fixed Saver.

Estimated interest

£1,000 saved

£98.72

At 4.82% AER

£5,000 saved

£494

At 4.82% AER

£10,000 saved

£987

At 4.82% AER

£250,000 saved

£24,681

At 4.82% AER

Estimated over the 24-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 2 Year Online Fixed Saver

Jonny PeaseCo-Founder, DepositScout

Hampshire Trust Bank's 2 Year Online Fixed Saver pays 4.82%, which is 0.53% below the best rate available across the fixed-rate market at 5.35%, and sits below the market average, so it is hard to recommend on rate alone. It does beat CPI inflation of 3.1% by 1.72 percentage points, which at least preserves real value. The real catch is no access until maturity, so only commit money you can lock away for two years. Shawbrook's 2 Year Fixed Rate Bond at 4.96% is worth a look first.

Compare Fixed Rate Bonds

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

Same type of account, closest on rate.

Common questions about the 2 Year Online Fixed Saver

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