Fixed Rate

Oxbury Bank Personal 5 Year Bond Account Review

One of the best-paying five-year fixed rate bonds, from Oxbury Bank, with a £1,000 minimum deposit. It ranks 2nd of 37 five-year fixed rate bonds we track.

Fixed rate · 5 years

5.34%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£500,000

Access

At maturity only

Interest paid

Annually

How It Stacks Up

Ranks 2nd of 37

5-year fixed bonds we track

Among the best
This account 5.34%
UK CPI (Aug 2026)
3.10%
Pays 2.24% more
Average 5-year fixed
4.77%
Pays 0.57% more
Best 5-year fixed
5.35%
About the same

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

Compare fixed bonds

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 5 years
  • Con: You need at least £1,000 to open it

Good to Know

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

Please verify all details with the provider – see our Disclaimer

See all Oxbury Bank accounts

Estimated returns with Oxbury Bank's Fixed Rate

What you could earn with Oxbury Bank's Personal 5 Year Bond Account.

Estimated interest

£1,000 saved

£297

At 5.34% AER

£5,000 saved

£1,485

At 5.34% AER

£10,000 saved

£2,971

At 5.34% AER

£500,000 saved

£148,540

At 5.34% AER

Estimated over the 60-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 Oxbury Bank Personal 5 Year Bond Account

Jonny PeaseCo-Founder, DepositScout

Oxbury Bank's Personal 5 Year Bond Account pays 5.34%, which is above the market average for fixed-rate accounts and just 0.01% behind the current leader, DF Capital's 5 Year Fixed Rate Deposit at 5.35%. At 2.24% above August 2026 CPI of 3.1%, the real return is decent for anyone comfortable locking money away for the full five years, which is the genuine catch here. I would consider this for savers with between £1,000 and £500,000 who want a near-top fixed rate and have no need to touch the money until maturity.

Compare Fixed Rate Bonds

2 alternatives to Oxbury Bank's Personal 5 Year Bond Account

Same type of account, closest on rate.

Common questions about the Personal 5 Year Bond Account

D

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4.20% AER
4.75%
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