Oxbury Bank Personal 3 Year Bond Account Review4.88% AER (Sep 2026)

Fixed Rate from Oxbury Bank

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Protection

FSCS

Up to £120,000

Min balance

£1,000

Max balance

£500,000

Access

No access until maturity

Interest paid

Annually

Who Is This For

Learn more about Oxbury Bank

New and existing savers
Savers happy with a £500,000 cap
Savers who can deposit at least £1,000
Savers who can lock money away for 3 Years

Additional Info

You must make your initial deposit within 14 days of opening the account; if the minimum deposit balance of £1,000 is not met during this period, your account will automatically close, and any funds deposited returned to you

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Calculate your tax liability for this accountSee what you might pay on the interest from Oxbury Bank's Personal 3 Year Bond Account.

Estimated returns with Oxbury Bank's Fixed Rate

Want to know how much interest you will receive with Oxbury Bank's Personal 3 Year Bond Account?

Estimated interest

£1,000 saved

£154

At 4.88% AER

£5,000 saved

£768

At 4.88% AER

£10,000 saved

£1,537

At 4.88% AER

£500,000 saved

£76,830

At 4.88% AER

Estimated over the 36-month term, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Oxbury Bank Personal 3 Year Bond Account

Oxbury Bank's Personal 3 Year Bond Account pays 4.88% on balances from £1,000 up to £500,000, which makes it a reasonable option for savers with a meaningful lump sum who are happy to lock money away for three years and want interest credited annually rather than at the end. The hard catch is that there is no access until maturity, so this only suits money you genuinely will not need. If you want to shop around at this term, Atom Bank's 3 Year Fixed Saver is in the JSON at 4.95% and worth a look before you commit.
Jonny Pease (Co-Founder)DepositScout