Fixed Rate

LHV 3 Year Fixed Rate Bond Review

A three-year fixed rate bond from LHV, with a £1,000 minimum deposit. It ranks 44th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.05%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 44th of 46

3-year fixed bonds we track

Well below average
This account 4.05%
UK CPI (Aug 2026)
3.10%
Pays 0.95% more
Average 3-year fixed
4.66%
Pays 0.61% less
Best 3-year fixed
5.18%
Pays 1.13% less

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

Compare fixed bonds

Worth Weighing Up

  • Con: Your money is locked in for 3 years
  • 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

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Estimated returns with LHV's Fixed Rate

What you could earn with LHV's 3 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£126

At 4.05% AER

£5,000 saved

£632

At 4.05% AER

£10,000 saved

£1,265

At 4.05% AER

£1,000,000 saved

£126,487

At 4.05% AER

Estimated over the 36-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 LHV 3 Year Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

LHV's 3 Year Fixed Rate Bond pays 4.05%, which beats August 2026 CPI of 3.1% by 0.95%, so your money does grow in real terms, but it sits 1.30% below the current best fixed rate on the market at 5.35%. That gap is hard to ignore, and the position is below the market average, so this is not where I would park money if rate is the priority. The real catch is that access is completely locked until maturity, with interest only paid then. If you want a three-year fix, Afin Bank's 3-Year Fixed Term Account at 4.86% is worth a look first.

2 alternatives to LHV's 3 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Bond

D

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