Fixed Rate

Hampshire Trust Bank 6 Month Online Fixed Saver Review

A competitive six-month fixed rate bond from Hampshire Trust Bank. It ranks 7th of 15 six-month fixed rate bonds we track.

Fixed rate · 6 months

4.28%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 7th of 15

6-month fixed bonds we track

Above average
This account 4.28%
UK CPI (Aug 2026)
3.10%
Pays 1.18% more
Average 6-month fixed
4.07%
Pays 0.21% more
Best 6-month fixed
4.60%
Pays 0.32% 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 6 months

Good to Know

Open online to UK residents aged 18+; account must be funded within 14 days of application (unlimited deposits up to £250,000 during that window); requires an email address and mobile phone number.

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 6 Month Online Fixed Saver.

Estimated interest

£1,000 saved

£21.18

At 4.28% AER

£5,000 saved

£106

At 4.28% AER

£10,000 saved

£212

At 4.28% AER

£250,000 saved

£5,294

At 4.28% 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 Hampshire Trust Bank 6 Month Online Fixed Saver

Jonny PeaseCo-Founder, DepositScout

Hampshire Trust Bank's 6 Month Online Fixed Saver pays 4.28%, which is below the market average for fixed-rate accounts and 1.07% behind the category leader at 5.35%, so I would not call this rate particularly strong. It does beat August 2026 CPI of 3.1% by 1.18%, meaning your money grows in real terms, which is something. The genuine catch is that no withdrawals or closures are permitted before the six-month term ends, so only commit money you will not need. If you want a similar term with a better rate, Atom Bank's 6 Month Fixed Saver is paying 4.55%.

Compare Fixed Rate Bonds

2 alternatives to Hampshire Trust Bank's 6 Month Online Fixed Saver

Same type of account, closest on rate.

Common questions about the 6 Month Online Fixed Saver

D

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4.75%
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