Best 3 Month Fixed Rate Bonds in October 2026

Compare 2 three-month fixed rate bonds paying up to 4.15% AER

Three-month bonds are hard to find. We track 2 right now, against 15 one-year bonds. The best pays 4.15% AER from Chetwood Bank, and £10,000 in it earns £102 by January 2027.

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Last updated
Chetwood Bank bank logo

Chetwood Bank

4.15%
AER
Fixed
Interest Paid
On maturity
Access
3 Months
Cater Allen Private Bank bank logo

Cater Allen Private Bank

4.13%
AER
Fixed
Interest Paid
On Maturity
Access
3 Months

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Also worth a look

Only 2 on sale at this term, so here are the best either side.

6 month bonds
  1. GB Bank 6 month fixed rate bond4.62%
  2. Zopa Fixed Term Pot (6 Months)4.60%
  3. Cynergy Bank 6 Month Fixed Rate Bond4.57%

Our top 2 three-month bonds reviewed

Chetwood Bank bank logo

Chetwood Bank

1. 3 Month Fixed Rate Savings

4.15% AER fixed

For 3 months

Best for: the highest rate

Chetwood Bank's 3 Month Fixed Rate Savings pays 4.15% AER, fixed for 3 months. That's the top rate on this page right now.

You need at least £1,000 to open it. £10,000 left in over the 3 months would earn about £102.

Min balance
£1,000
Max balance
No limit
Access
No access until maturity
Interest paid
On maturity

Worth knowing

  • Your money is locked away until the fixed term ends.
Our take · Jan Watermann, Co-Founder

Chetwood Bank's 3 Month Fixed Rate Savings pays 4.15%, which does beat August 2026 CPI of 3.1% by 1.05%, so your money at least grows in real terms over a short stint.

That said, the rate sits below the market average for fixed-rate accounts, and the best available across that category is 5.37%, putting this 1.22% behind the leader. The account suits savers who want a quick, low-commitment fix with a £1,000 minimum, but the one firm catch is that you cannot touch the money until the three months are up.

Cater Allen Private Bank bank logo

Cater Allen Private Bank

2. 3 Month Fixed Term Deposit

4.13% AER fixed

For 3 months

Cater Allen Private Bank's 3 Month Fixed Term Deposit pays 4.13% AER, fixed for 3 months. That's 0.02 percentage points below the top rate here.

You need at least £5,000 to open it. £10,000 left in over the 3 months would earn about £102.

Min balance
£5,000
Max balance
No limit
Access
No access until maturity
Interest paid
On Maturity

Worth knowing

  • Your money is locked away until the fixed term ends.
Our take · Jonny Pease, Co-Founder

Cater Allen Private Bank's 3 Month Fixed Term Deposit pays 4.13%, which at least beats CPI inflation of 3.1% by 1.03 percentage points, though it sits below the market average for fixed-rate savings and 1.24% behind the category leader at 5.37%. You need at least £5,000 to open it, and the money is locked until maturity with no access at all during the three months.

If you want to stay at this term, Chetwood Bank's 3 Month Fixed Rate Savings pays 4.15%, so I would check that first.

How a three-month bond compares

The best rate in each option today.

ProviderOptionBest rate
L
Lemfi		Easy access5.00%AER
CB
Chetwood Bank		3 month bond4.15%AER
GB
GB Bank		6 month bond4.62%AER

What you'll keep after tax

Interest above your Personal Savings Allowance (£1,000 basic rate, £500 higher rate) is taxed. Paid at maturity, this bond's interest falls in 2026/27, taxed at 20%, 40% or 45%.

You put inInterestTax, basicTax, higher
£5,000£51£0£0
£10,000£102£0£0
£20,000£204£0£0
£50,000£511£0£4

Interest at 4.15% AER over three months, paid yearly (or at maturity on a fix of a year or less), with no other savings interest. Tax-free amounts use one year's interest.

£24,000

you can save before a basic-rate taxpayer pays tax

£12,000

before a higher-rate taxpayer pays tax

6.21%

a bond must pay to beat the best one-year fixed ISA (4.97%) above that

Work out your own tax

Good to know

The details that change what a bond pays you.

You earn part of the AER

£102

on £10,000 over three months

4.15% is a yearly rate, so over three months you earn about a quarter of it.

A hard term to find

2

on sale right now

Most providers fix for 1, 2, 3 or 5 years, so other terms come and go. Nearest: 6 months at 4.62%.

Before you open one

Quick checks that save you money later.

  1. You can't add to it later

    Most bonds give you a short window after opening to pay in, then close to new money.

  2. You probably can't take money out

    Most bonds don't allow it at all. The product page says whether yours does.

  3. Diary January 2027

    If you don't act at maturity, most providers move your money into a low-paying easy access account. Set a rate alert for when it's due.

  4. The FSCS limit includes interest

    At 4.15%, £118,786 is the most you can put in and stay within £120,000 at maturity.

Recent rate changes

The latest moves, newest first.

  1. CA
    Cater Allen Private Bank 3 Month Fixed Term Deposit3.90% →4.13%

About three-month bonds

Three-month fixes are a parking spot, not a plan. They suit money with a date already set, like a tax bill, where you want a guaranteed rate and nothing else.

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3 Month Fixed Rate Bonds FAQs

Answers use the rates in the table above.

Other bond terms

The best rate at each term today.

Keep comparing

3 Month Fixed Rate Cash ISAs

Compare three-month fixed ISAs.

All fixed rate bonds

Every fixed term side by side.

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Jonathan Pease

Written by

Jonny Pease

Jan Watermann

Reviewed by

Jan Watermann

Last updated

How we rank·How we make money·Editorial policy

This page is for information only and is not financial advice. Rates and account terms can change at any time — always confirm the details on the provider's website before opening an account. Read our full disclaimer.

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