What interest rate does the Tandem Bank 3 Year Fixed Saver pay?

The Tandem Bank 3 Year Fixed Saver pays 5.00% AER, fixed for 3 years.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,576 at 5.00% AER. This assumes the rate stays the same and interest stays in the account.

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 on each anniversary of opening.

Who can open this account?

New and existing Tandem Bank customers can open it. You can open it online or in the app.

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 5.00% AER it ranks 8th of 46 three-year fixed rate bonds we track. The best pays 5.18% and the average is 4.66%.

Dashboard

Fixed Rate

Tandem Bank 3 Year Fixed Saver Review

One of the best-paying three-year fixed rate bonds, from Tandem Bank. It ranks 8th of 46 three-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

5.00%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

At maturity only

Interest paid

Anniversary

How It Stacks Up

Ranks 8th of 46

3-year fixed bonds we track

Among the best

This account 5.00%

UK CPI (Aug 2026): 3.10%; Pays 1.90% more
Average 3-year fixed: 4.66%; Pays 0.34% more
Best 3-year fixed: 5.18%; Pays 0.18% less

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

Compare fixed bonds

Pros and cons

Pro: New and existing savers
Con: Your money is locked in for 3 years

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Estimated returns with Tandem Bank's Fixed Rate

What you could earn with Tandem Bank's 3 Year Fixed Saver.

Estimated interest

£1,000 saved

£158

At 5% AER

£5,000 saved

£788

At 5% AER

£10,000 saved

£1,576

At 5% AER

£50,000 saved

£7,881

At 5% 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.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Tandem Bank 3 Year Fixed Saver

Jonny PeaseCo-Founder, DepositScout

Tandem Bank's 3 Year Fixed Saver pays 5.00%, which sits near the market average for fixed-rate savings and 0.35% behind the current leader at 5.35% across all terms. It does beat inflation by 1.90 percentage points against August 2026 CPI of 3.1%, so your money is growing in real terms. The main catch is that access is completely locked until maturity, so this suits savers who are confident they won't need the money for three years. If you want a slightly better three-year rate, Atom Bank and GB Bank both offer 5.10% on comparable accounts.

Compare Fixed Rate Bonds