What interest rate does the Vida Savings 2 Year Fixed Rate Bond pay?

The Vida Savings 2 Year Fixed Rate Bond pays 4.31% AER, fixed for 2 years.

How much interest could I earn?

Saving £10,000 for 2 years would earn about £881 at 4.31% 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 £500,000.

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.

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 4.31% AER it ranks 49th of 63 two-year fixed rate bonds we track. The best pays 5.16% and the average is 4.61%.

Dashboard

Fixed Rate

Vida Savings 2 Year Fixed Rate Bond Review

A two-year fixed rate bond from Vida Savings, with a £1,000 minimum deposit. It ranks 49th of 63 two-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 2 years

4.31%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£500,000

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 49th of 63

2-year fixed bonds we track

Below average

This account 4.31%

UK CPI (Aug 2026): 3.10%; Pays 1.21% more
Average 2-year fixed: 4.61%; Pays 0.30% less
Best 2-year fixed: 5.16%; Pays 0.85% less

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

Compare fixed bonds

A Good Fit For

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

Good to Know

Make unlimited deposits for the first 21 days. You can close within 14 days of your first deposit if you change your mind.

Please verify all details with the provider – see our Disclaimer

See all Vida Savings accounts

Estimated returns with Vida Savings' Fixed Rate

What you could earn with Vida Savings's 2 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£88.06

At 4.31% AER

£5,000 saved

£440

At 4.31% AER

£10,000 saved

£881

At 4.31% AER

£500,000 saved

£44,029

At 4.31% 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 Vida Savings 2 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Vida Savings' 2 Year Fixed Rate Bond pays 4.31%, which beats August 2026 CPI of 3.1% by 1.21%, but it sits below the market average for fixed-rate bonds and trails the category leader by 1.04%. If you want a two-year fix, Kent Reliance is offering 4.91% and NS&I 4.81%, both worth a look first. The minimum is £1,000 and the maximum £500,000, and the usual catch applies: your money is locked away with no access until maturity.

Compare Fixed Rate Bonds