What interest rate does the StreamBank 2 Year Fixed Rate Account pay?

The StreamBank 2 Year Fixed Rate Account pays 4.65% AER, fixed for 2 years.

How much interest could I earn?

Saving £10,000 for 2 years would earn about £952 at 4.65% 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 £1,000 and up to £120,000.

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?

You can choose to have interest paid monthly or annually.

Who can open this account?

New and existing StreamBank customers can open it. You can open it online.

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 two-year fixed rate bonds?

At 4.65% AER it ranks 30th of 63 two-year fixed rate bonds we track. The best pays 5.16% and the average is 4.61%.

Dashboard

Fixed Rate

StreamBank 2 Year Fixed Rate Account Review

A two-year fixed rate bond from StreamBank, with a £1,000 minimum deposit. It ranks 30th of 63 two-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 2 years

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 30th of 63

2-year fixed bonds we track

Just above average

This account 4.65%

UK CPI (Aug 2026): 3.10%; Pays 1.55% more
Average 2-year fixed: 4.61%; About the same
Best 2-year fixed: 5.16%; Pays 0.51% less

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

Compare fixed bonds

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 2 years
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 2 Year Fixed Rate Account.

Estimated interest

£1,000 saved

£95.16

At 4.65% AER

£5,000 saved

£476

At 4.65% AER

£10,000 saved

£952

At 4.65% AER

£120,000 saved

£11,419

At 4.65% AER

Estimated over the 24-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 StreamBank 2 Year Fixed Rate Account

Jonny PeaseCo-Founder, DepositScout

StreamBank's 2 Year Fixed Rate Account pays 4.65%, which beats August 2026 CPI of 3.1% by 1.55%, so your money does grow in real terms over the two-year term. That said, the rate sits below the market average for fixed-rate accounts, and is 0.70% behind the current market leader at 5.35%, so it is not the sharpest deal available. If you want to stay in the two-year fixed space, Kent Reliance's 2 Year Fixed Rate Bond at 4.91% is worth a look. The main catch here is the usual one for fixed bonds: your money is locked away until maturity, with no access at all.

Compare Fixed Rate Bonds