Fixed Rate

Lloyds Bank Lend a Hand Fixed Savings Account Review

One of the best-paying three-year fixed rate bonds, from Lloyds Bank. It ranks 8th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

5.00%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

At maturity only

Interest paid

Annually

Lloyds Bank is also paying £200 to switch your current account. Offer ends 9 December 2026.

See the switch offer

How It Stacks Up

Ranks 8th of 46

3-year fixed bonds we track

Among the best
This account 5.00%
UK CPI (Aug 2026)
3.10%
Pays 1.90% more
Average 3-year fixed
4.66%
Pays 0.34% more
Best 3-year fixed
5.18%
Pays 0.18% 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 3 years

Good to Know

Either the saver or the mortgage borrower must hold a Club Lloyds or Lloyds Premier current account.

Please verify all details with the provider – see our Disclaimer

See all Lloyds Bank accounts

Estimated returns with Lloyds Bank's Fixed Rate

What you could earn with Lloyds Bank's Lend a Hand Fixed Savings Account.

Estimated interest

£1,000 saved

£158

At 5% AER

£5,000 saved

£788

At 5% AER

£10,000 saved

£1,576

At 5% AER

£50,000 saved

£7,881

At 5% 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 Lloyds Bank Lend a Hand Fixed Savings Account

Jonny PeaseCo-Founder, DepositScout

The Lend a Hand Fixed Savings Account is a niche product aimed at savers who want to help a family member onto the property ladder via a Lloyds Lend a Hand mortgage, with the deposit acting as security rather than a straightforward savings pot. At 5.00% for three years it sits near the market average, 0.35% behind the best fixed rate available at 5.35%, though it does beat inflation by 1.90% against a CPI of 3.1%. The obvious catch is no access until maturity, so your money is locked for three years.

Compare Fixed Rate Bonds

2 alternatives to Lloyds Bank's Lend a Hand Fixed Savings Account

Same type of account, closest on rate.

Common questions about the Lend a Hand Fixed Savings Account

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