What interest rate does the Sensible Savings 3 Year Fixed Rate Bonds pay?

The Sensible Savings 3 Year Fixed Rate Bonds pays 4.75% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,494 at 4.75% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £5,000 and up to £500,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

Interest is paid at the end of the term.

Who can open this account?

New and existing Sensible Savings customers can open it. You can open it online, by post or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other three-year fixed rate bonds?

At 4.75% AER it ranks 26th of 51 three-year fixed rate bonds we track. The best pays 5.23% and the average is 4.71%.

Sensible Savings 3 Year Fixed Rate Bonds Review: 4.75% AER (Oct 2026)

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£500,000

Access

At maturity only

Interest paid

On maturity

How It Stacks Up

Ranks 26th of 51

3-year fixed bonds we track

Just above average

This account 4.75%

UK CPI (Aug 2026): 3.10%; Pays 1.65% more
Average 3-year fixed: 4.71%; About the same
Best 3-year fixed: 5.23%; Pays 0.48% less

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 3 years
Con: You need at least £5,000 to open it

Good to Know

UK residents aged 18+ with a UK current account as the nominated account (funded by bank transfer or cheque from that account). Sole or joint (up to two holders). Apply online or by post; managed by telephone or post (no online management). Sensible Savings is a trading brand of The Access Bank UK Limited (FRN 478415).

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Sensible Savings' Fixed Rate

What you could earn with Sensible Savings's 3 Year Fixed Rate Bonds.

Estimated interest

£5,000 saved

£747

At 4.75% AER

£10,000 saved

£1,494

At 4.75% AER

£50,000 saved

£7,469

At 4.75% AER

£500,000 saved

£74,688

At 4.75% 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.

Sensible Savings 3 Year Fixed Rate Bonds Review

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with Sensible Savings' Fixed Rate

Our Expert Opinion on Sensible Savings 3 Year Fixed Rate Bonds

2 alternatives to Sensible Savings's 3 Year Fixed Rate Bonds3 alternatives to Sensible Savings's 3 Year Fixed Rate Bonds

Common questions about the 3 Year Fixed Rate Bonds

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