Best Fixed rate savings

If you are willing to lock up your cash for a set period of time, you could get a great deal with a fixed-rate savings account. Our best buy tables help you find the juiciest offers…

	Santander 2 Year Fixed Rate Bond - 3.75% AER LIMITED OFFER: MAY BE WITHDRAWN AT ANY TIME. Get a top savings rate with Santander, fixed for 2 years. Save over £10,000 and get 3.75% AER fixed for 2 years. Save between £1 and £9,9999 and get 3.75% AER fixed for 2 years.	More info

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Our expert says... Our finance expert gives his top savings tips... Compare deals – It may sound obvious, but it is crucial that you shop around and compare deals to make sure you get the best rate possible.

How do I know if a fixed-rate savings account is right for me?

Fixed-rate savings accounts offer very attractive interest rates, but they are only suitable for you if you know you won’t need access to your cash for a set period of time.

Most fixed-rate accounts will ask that you lock-up your cash for at least six months, so if you think you may want to make a withdrawal before this, then you should choose a different account.

Alternatively, you might choose to put some cash in a fixed-rate savings account, and leave the rest in an instant-access savings account – many people find this a good compromise.

For more information on savings accounts read our tips on how to supersize your savings, or read our guide to the difference between ISAs and standard savings accounts.