Fixed Rate

StreamBank 1 Year Fixed Rate Account Review

A competitive one-year fixed rate bond from StreamBank, with a £1,000 minimum deposit. It ranks 22nd of 69 one-year fixed rate bonds we track.

Fixed rate · 1 year

4.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£120,000

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 22nd of 69

1-year fixed bonds we track

Above average
This account 4.65%
UK CPI (Aug 2026)
3.10%
Pays 1.55% more
Average 1-year fixed
4.47%
Pays 0.18% more
Best 1-year fixed
5.12%
Pays 0.47% less

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

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A Good Fit For

  • Pro: Savers who want a monthly income

Worth Weighing Up

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

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Estimated returns with StreamBank's Fixed Rate

What you could earn with StreamBank's 1 Year Fixed Rate Account.

Estimated interest

£1,000 saved

£46.50

At 4.65% AER

£5,000 saved

£232

At 4.65% AER

£10,000 saved

£465

At 4.65% AER

£120,000 saved

£5,580

At 4.65% AER

Estimated over one year, 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 StreamBank 1 Year Fixed Rate Account

Jan WatermannCo-Founder, DepositScout

StreamBank's 1 Year Fixed Rate Account pays 4.65%, which sits below the market average for fixed-rate accounts and 0.70% behind the category leader at 5.35%, so it is not where I would go first if rate is your priority. That said, 4.65% does beat August 2026 CPI of 3.1% by 1.55%, so your money is at least growing in real terms. The minimum is £1,000 and the maximum £120,000, and the usual fixed-rate catch applies: no access until maturity. I would look at Atom Bank's 1 Year Fixed Saver at 4.90% or OakNorth Bank's Fixed Term 12 Months at 4.96% before committing here.

Compare Fixed Rate Bonds

2 alternatives to StreamBank's 1 Year Fixed Rate Account

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Account

D

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