Making savings work harder
A couple in their 60s with £50,000 in a low-interest account want a fixed return they can plan around — without locking away money they might need for the unexpected.
A clearer view of your options
UK bonds.
More clarity.
Better informed.
Explore fixed-rate savings and investment bond options. Start with your goals, understand the differences, and take your next step with confidence.
- Options shaped around your preferences
- A straightforward, two-step enquiry
- No pressure. No obligation to invest.
FCA authorised & regulatedSelbys (Holloway) Ltd · FRN 669693
Up to £85,000 protectedFSCS cover on eligible deposits
No payments collectedNo obligation to invest
Investment bonds carry risk. Your capital is at risk.
1Investment preferences
2Your details
Your goals come firstPreferences, not guesswork
Clear informationKnow the risks and differences
Privacy consideredNo details shared at this stage
No obligationYou stay in control
Indicative market rates
Rates worth comparing — up to 7.25% p.a.
Rates checked live
Illustrative examples of the rates our review tracks. Live, personalised comparison opens when the service launches.
Up to £85,000 protectedFSCS cover per person, per authorised institution — on eligible deposits
Up to 7.25% p.a.The top end of the rates our review currently tracks across terms
See what you could earn Two minutes · No obligation · Your details stay private
Confidence through transparency
Check the facts. Keep control.
Independent resources for your own checks—not endorsements of FindRates.
Authorised & regulated by the Financial Conduct Authority
View FCA recordThe firm identified in connection with this service — Selbys (Holloway) Ltd, FRN 669693 — is recorded on the FCA Register as Authorised. FindRates is an introduction service and is not itself FCA-authorised. A register entry is not an endorsement of this website or any investment.
FCA regulated firmFRN 669693 · Check the recordCompanies HouseCompany 00260445FSCSCheck eligibility
No payments collectedFindRates does not take your money
The FindRates review
We've done the homework.
You invest with confidence.
Before any institution appears on FindRates, it goes through a comprehensive review by our team. Four tests, every provider, no exceptions — so what you see here has already earned its place.
Our review is our own judgement and is regularly repeated — it is not a personal recommendation or a guarantee of performance. We always show our sources so you can verify each point yourself.
- 01
We verify the firm and its permissions
Every provider is checked against the FCA Register — the exact legal name, current permissions and contact details. No record, no place on FindRates.
FCA Register - 02
We examine the company behind the offer
Registered office, filing history and accounts are reviewed at Companies House, so you know who actually stands behind the bond you're considering.
Companies House - 03
We check protection for the exact product
We look at whether the provider and product qualify for FSCS protection, and we show you how to confirm eligibility for your own circumstances.
FSCS protection checker - 04
We scrutinise the terms before we feature anything
Fees, withdrawal restrictions, how returns are paid and what could happen to your capital — we read the issuer's documents so the important points are never buried.
MoneyHelper guidance
Who FindRates is for
Real people. Real reasons to compare.
Typical situations where investors use FindRates — illustrative examples, not customer testimonials.
Putting a windfall to work
After a house sale or inheritance, a professional wants to compare fixed-rate options side by side — term length, provider strength and protection — before committing a large sum.
Stepping beyond a savings account
Someone who has only ever used high-street savings wants to understand the difference between savings and investment bonds, the risks involved, and which providers are properly authorised.
Start your comparison Two minutes · No obligation · Your details stay private
A simple place to start
Your next step, made simpler.
Less complexity. More perspective. A process built around you.
01
Tell us what matters
Choose an amount, a preferred term and the type of bond you’re interested in.
02
Add your contact details
Let us know how you would like to be contacted. There’s no commitment to invest.
03
Consider your options
When the service opens, review the information, check the provider and decide in your own time.
Take the first step Two minutes · No obligation · Your details stay private
Know what you’re comparing
Two types of bonds. Important differences.
Similar names don’t always mean similar products. Here’s where to start.
Fixed-rate savings bonds
Save with a bank or building society for a set period at a fixed interest rate. Access to your money is usually restricted until the term ends.
Eligible deposits are FSCS-protected up to £85,000 per person, per institution. Check the provider and your eligibility.
Investment bonds
Invest in products linked to companies or investments. Returns, access and risk vary, and interest payments or repayment are not guaranteed.
Your capital is at risk. Investment bonds do not automatically have deposit protection.
Compare bond options Two minutes · No obligation · Your details stay private
The FindRates approach
Clarity before commitment.
Financial decisions deserve more than a headline rate. FindRates starts with what you’re looking for and puts the important differences in plain sight.
We’re an introduction service, not a bank or a personal financial adviser. We don’t take your money, and we don’t compare the whole market.
Explore your optionsA starting point that’s yours
Your amount, your timeframe and your preferences.
A balanced perspective
Understand risks alongside potential benefits. A higher rate isn’t the whole story.
You remain in control
Verify providers independently and take the time you need before making a decision.
A little more clarity
Good questions.
Straightforward answers.
The things worth knowing before taking your next financial step.
What is the difference between savings and investment bonds?
Fixed-rate savings bonds are usually deposit accounts held with a bank or building society. Investment bonds expose your capital to investment or issuer risk. Their protections, returns and withdrawal terms can be very different.
Is my money protected by the FSCS?
Eligible deposits with a UK-authorised bank or building society are protected up to £85,000 per person, per institution (£170,000 for joint accounts). Investment claims are treated differently, and the FSCS does not protect you against ordinary investment losses. Always check directly with the FSCS before proceeding.
Does FindRates give financial advice?
No. FindRates is an introduction service and does not provide personalised financial advice, manage money or arrange a payment. Speak with an appropriately authorised adviser if you need help deciding whether a product is suitable.
Will I see live bond rates?
The example rates shown on this page are illustrative, not a live feed from providers. Your preferences don’t produce a whole-of-market comparison or a product recommendation — they help the firm behind this service contact you with options that fit.
Am I committed to investing if I make an enquiry?
No. An enquiry is not an investment application, and you must never send payment or account information through this website. Your details are stored securely and used only to respond to your enquiry, as set out in the privacy policy.
Ready to see your options?
Start with your preferences — it takes two minutes, and there's no obligation to invest.
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