Best 9 Month Fixed Rate Bonds in October 2026

Aldermore's 9 Month Fixed Rate Savings Account pays 4.57%, which beats August 2026 CPI of 3.1% by 1.47%, so your money does grow in real terms over the nine months.

That said, the rate sits below the market average for fixed-rate accounts, and the best rate across that category is 5.37%, leaving Aldermore 0.80% behind. You need at least £1,000 to open it, and the real catch is that there is no access until maturity, so only commit money you can genuinely leave untouched.

Kent Reliance's 9 Month Fixed Rate Bond at 4.56% is worth a look if you want a close comparison.

Kent Reliance's 9 Month Fixed Rate Bond pays 4.56% AER, which beats August 2026 CPI of 3.1% by 1.46%, so your money does grow in real terms.

That said, 4.56% sits below the market average for fixed-rate accounts, and the market leader across that category pays 5.37%, putting this 0.81% behind. If you want to stay at roughly this term, Aldermore's 9 Month Fixed Rate Savings Account edges it at 4.57%.

The main catch is the one typical of any fixed bond: no withdrawals at all until the nine months are up, so only commit money you can leave untouched.

Atom Bank's 9 Month Fixed Saver pays 4.55% and suits savers who want a short, defined term and are comfortable locking money away until maturity, since there is no access at all before the nine months are up. The rate does beat inflation by 1.45% against a CPI of 3.1% (Aug 2026), which is something, but it sits below the market average for fixed-rate savings and is 0.82% behind the current leader at 5.37% across all terms.

If you want to stay at roughly this term, Aldermore's 9 Month Fixed Rate Savings Account at 4.57% and Kent Reliance's equivalent at 4.56% are both marginally ahead.