Fixed rate savings accounts

18 Month Fixed Rate Bond Issue 45



Gross AER


4.60% annually

4.51% monthly

Min balance


Max balance


Plan for the long term with a guaranteed return on your savings

Good for you if

  • you want a fixed rate
  • you can leave your savings untouched
  • you want to save with someone else

Consider something else if

  • you might need to make withdrawals
  • you want tax-free savings

Features and benefits

High maximum balance
Save up to £2,000,000, with a minimum balance of £1,000.

Clear, guaranteed rate
Enjoy peace of mind with a rate that's fixed for the duration of your term.

Apply Now

It’s simple, choose whether you want to receive your interest monthly or yearly, and complete our short application form.

Additional Information

Can Shawbrook change the interest rate?
No. The interest rate is fixed, which means we cannot change the interest rate for the duration of your term.

How do I open and manage the account?
You can only open this account online. Minimum account opening balance is £1,000 and maximum account balance is £2,000,000. You can manage the account online or by phone. This account is only available to individuals who are 18 years of age or over, permanent resident in the UK, are only liable for UK tax and can provide a UK bank account as a nominated account.

Can I withdraw my money?
No, you can't withdraw your money until the end of the fixed term when your bond matures. When your bond matures, you can reinvest with us, withdraw your money or transfer it elsewhere. We'll write to you before your maturity date to remind you of your options.

Are my deposits protected?
Eligible deposits are protected up to a total of £85,000 per person by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered. If you have a joint account, you'll be protected for £85,000 each. This means that up to £170,000 could be protected in your joint account.

What would the estimated balance be after 18 months based on a £1,000 deposit?

Opening deposit


Balance after 18 months


This illustrative example assumes no withdrawals, no changes to the fixed interest rate over the period and interest is paid and compounded annually on a cleared deposit. Interest is rounded to the nearest pound. The illustrative example does not take into account the individual circumstances of a customer.

Apply Now

Make the most of your money with our 18 month fixed rate bond. Simply choose whether you want to receive your interest monthly or yearly and complete our short application form. 

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