Fixed Rate

LHV 9 Month Fixed Rate Bond Review

A nine-month fixed rate bond from LHV, with a £1,000 minimum deposit. It ranks 6th of 8 nine-month fixed rate bonds we track.

Fixed rate · 9 months

4.25%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 6th of 8

9-month fixed bonds we track

Below average
This account 4.25%
UK CPI (Aug 2026)
3.10%
Pays 1.15% more
Average 9-month fixed
4.44%
Pays 0.19% less
Best 9-month fixed
4.65%
Pays 0.40% less

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

Compare fixed bonds

Worth Weighing Up

  • Con: Your money is locked in for 9 months
  • 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 9 Month Fixed Rate Bond.

Estimated interest

£1,000 saved

£31.71

At 4.25% AER

£5,000 saved

£159

At 4.25% AER

£10,000 saved

£317

At 4.25% AER

£1,000,000 saved

£31,709

At 4.25% AER

Estimated over the 9-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 9 Month Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

LHV's 9 Month Fixed Rate Bond pays 4.25%, which sits below the market average for fixed-rate bonds and 1.10% behind the current leader at 5.35%, so it is hard to recommend without shopping around first. That said, it does beat August 2026 CPI of 3.1% by 1.15%, meaning your money at least grows in real terms. The main catch is the usual one for a fixed bond: no access until maturity, with interest only paid at the end of nine months. Kent Reliance's 9 Month Fixed Rate Bond at 4.56% or Atom Bank's equivalent at 4.55% are worth a look for the same term.

2 alternatives to LHV's 9 Month Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the 9 Month Fixed Rate Bond

D

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