What interest rate does the UBL UK 4 Year Fixed Term Deposit pay?

The UBL UK 4 Year Fixed Term Deposit pays 4.16% AER, fixed for 4 years.

How much interest could I earn?

Saving £10,000 for 4 years would earn about £1,771 at 4.16% 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 £2,000 and up to £1,000,000.

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, annually or at the end of the term.

Who can open this account?

New and existing UBL UK customers can open it. You can open it online, in branch, by post, in the app or by phone.

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 four-year fixed rate bonds?

At 4.16% AER it ranks 8th of 9 four-year fixed rate bonds we track. The best pays 5.17% and the average is 4.59%.

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Fixed Rate Compare 4 Year Fixed Rate Bonds

UBL UK 4 Year Fixed Term Deposit Review

A four-year fixed rate bond from UBL UK, with a £2,000 minimum deposit. It ranks 8th of 9 four-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 4 years

4.16%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£2,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

Monthly/Annually/On maturity

How It Stacks Up

Ranks 8th of 9

4-year fixed bonds we track

Below average

This account 4.16%

UK CPI (Aug 2026): 3.10%; Pays 1.06% more
Average 4-year fixed: 4.59%; Pays 0.43% less
Best 4-year fixed: 5.17%; Pays 1.01% 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 4 years
Con: You need at least £2,000 to open it

Good to Know

Early withdrawal (including partial withdrawal) is allowed only at the Bank's discretion and under extenuating circumstances.

Please verify all details with the provider – see our Disclaimer

See all UBL UK accounts

Estimated returns with UBL UK's Fixed Rate

What you could earn with UBL UK's 4 Year Fixed Term Deposit.

Estimated interest

£5,000 saved

£885

At 4.16% AER

£10,000 saved

£1,771

At 4.16% AER

£50,000 saved

£8,854

At 4.16% AER

£1,000,000 saved

£177,074

At 4.16% AER

Estimated over the 48-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 UBL UK 4 Year Fixed Term Deposit

Jan WatermannCo-Founder, DepositScout

UBL UK's 4 Year Fixed Term Deposit pays 4.16%, which sits below the market average for fixed-rate accounts and 1.21% behind the category leader at 5.37%, so I would not call this rate compelling. It does beat August 2026 CPI of 3.1% by 1.06%, meaning your money grows in real terms, but if you are locking cash away for four years you can do considerably better elsewhere. Aldermore and Vanquis Bank both offer four-year bonds at 5.17% and 5.16% respectively, and the real catch here is the usual one for fixed bonds: no access whatsoever until maturity, with a minimum of £2,000 to open.

Compare Fixed Rate Bonds