Best 4 Year Fixed Rate Bonds in October 2026

Aldermore's 4 Year Fixed Rate Savings Account pays 5.17%, which sits above the market average for fixed-rate accounts across all terms, though it is 0.20% behind the current market leader at 5.37%. In real terms the rate is 2.07% above CPI inflation of 3.1%, so your money does grow in purchasing power.

The minimum deposit is £1,000 and the maximum is £1,000,000, which covers most savers.

The genuine catch here is that you cannot access your money at all until maturity, so four years is a long commitment if your circumstances might change.

Vanquis Bank's 4 Year Fixed Rate Bond at 5.16% suits savers who want a set-and-forget return and can lock away between £1,000 and £25,000 for four years. It sits above the market average for fixed-rate bonds, though it is 0.21% behind the current market leader at 5.37%.

The real-terms case is reasonable too, at 2.06% above August 2026 CPI of 3.1%.

The catch is straightforward: no access until maturity, so only commit money you genuinely will not need.

Thisbank's 4-Year Fixed Term Deposit pays 5.04%, which sits near the market average for fixed-rate savings but 0.33% behind the current leader at 5.37% across all terms. At 1.94% above August 2026 CPI of 3.1%, it does at least beat inflation in real terms.

The main catch is that your money is completely locked away for four years with no access until maturity. If you want a slightly better four-year rate, Aldermore's 4 Year Fixed Rate Savings Account offers 5.17% and Vanquis Bank's equivalent pays 5.16%.