Fixed Rate

LHV 1 Year Fixed Rate Bond Review

A one-year fixed rate bond from LHV, with a £1,000 minimum deposit. It ranks 41st of 69 one-year fixed rate bonds we track.

Fixed rate · 1 year

4.40%AER

Needs an LHV Bank current account

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

On maturity

How It Stacks Up

Ranks 41st of 69

1-year fixed bonds we track

Just below average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 1-year fixed
4.47%
Pays 0.07% less
Best 1-year fixed
5.12%
Pays 0.72% less

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

Compare fixed bonds

Worth Weighing Up

  • Con: Your money is locked in for 1 year
  • Con: You need an LHV Bank current account to open it
  • Con: You need at least £1,000 to open it

Good to Know

You must hold an LHV Bank Current Account to open. Individual accounts only (no joint accounts). No top-ups after opening. 14-day cancellation period. Maximum £1,000,000 across all LHV Fixed Rate Bonds held. Open and manage via the LHV Bank app.

Please verify all details with the provider – see our Disclaimer

See all LHV accounts

Estimated returns with LHV's Fixed Rate

What you could earn with LHV's 1 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£44.00

At 4.4% AER

£5,000 saved

£220

At 4.4% AER

£10,000 saved

£440

At 4.4% AER

£1,000,000 saved

£44,000

At 4.4% 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 LHV 1 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

LHV's 1 Year Fixed Rate Bond pays 4.40%, which beats August 2026 CPI of 3.1% by 1.30%, so your money does grow in real terms, but the rate sits below the market average for fixed-rate bonds and is 0.95% behind the category leader at 5.35%. The money is locked until maturity with no access at all, so this suits savers who are certain they won't need the funds for a year and have between £1,000 and £1,000,000 to set aside. I would still check OakNorth Bank's Fixed Term 12 Months at 4.96% or Atom Bank's 1 Year Fixed Saver at 4.90% before committing here.

2 alternatives to LHV's 1 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Bond

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this LHV rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time