Fixed Rate

StreamBank 5 Year Fixed Rate Account Review

A five-year fixed rate bond from StreamBank, with a £1,000 minimum deposit. It ranks 37th of 38 five-year fixed rate bonds we track.

Fixed rate · 5 years

3.90%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 37th of 38

5-year fixed bonds we track

Well below average
This account 3.90%
UK CPI (Aug 2026)
3.10%
Pays 0.80% more
Average 5-year fixed
4.74%
Pays 0.84% less
Best 5-year fixed
5.35%
Pays 1.45% 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 5 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 5 Year Fixed Rate Account.

Estimated interest

£1,000 saved

£211

At 3.9% AER

£5,000 saved

£1,054

At 3.9% AER

£10,000 saved

£2,108

At 3.9% AER

£120,000 saved

£25,298

At 3.9% 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 StreamBank 5 Year Fixed Rate Account

Jan WatermannCo-Founder, DepositScout

StreamBank's 5 Year Fixed Rate Account pays 3.90%, which sits below the market average for fixed-rate accounts and 1.45% behind the category leader at 5.35%. It does beat August 2026 CPI of 3.1% by 0.80%, so your money grows in real terms, but savers willing to lock away for five years can do considerably better elsewhere - Chetwood Bank's 5 Year Fixed Rate Savings, for instance, pays 5.20%. The real catch here is the complete lack of access until maturity, so only commit funds you are certain you will not need for the full five years.

Compare Fixed Rate Bonds

2 alternatives to StreamBank's 5 Year Fixed Rate Account

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate Account

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