Fixed Rate

TSB 3 Year Fixed Bond Review

A three-year fixed rate bond from TSB. It ranks 18th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 18th of 46

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
4.66%
Pays 0.09% more
Best 3-year fixed
5.18%
Pays 0.43% 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 3 years

Good to Know

Open to UK residents aged 16 or over; minimum £1 deposit required within 10 working days of opening, up to a £1,000,000 maximum. Can be held in sole or joint names; apply online, in-app (existing customers), in branch, or via video call appointment.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with TSB's Fixed Rate

What you could earn with TSB's 3 Year Fixed Bond.

Estimated interest

£1,000 saved

£149

At 4.75% AER

£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

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 TSB 3 Year Fixed Bond

Jan WatermannCo-Founder, DepositScout

TSB's 3 Year Fixed Bond pays 4.75%, which is below the market average for fixed-rate accounts and 0.60% behind the current market leader at 5.35%. It does beat inflation by 1.65 percentage points against August 2026 CPI of 3.1%, so your money is growing in real terms, but savers willing to shop around can do better at the same three-year term, with Kent Reliance's 3 Year Fixed Rate Bond at 4.96% for instance. The main catch is that no withdrawals or early closure are permitted during the term, except on death.

2 alternatives to TSB's 3 Year Fixed Bond

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Bond

D

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4.20% AER
4.75%
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