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Fixed Rate Bonds

for personal customers

Raphaels Bank is pleased to offer the following rates for personal customers looking to invest between £5,000 and £250,000 for a fixed period of time.

  • 2.95% AER* 5 Year Fixed Rate Bond
*AER illustrates what the interest rate would be if interest was paid and compounded once each year.

As these bonds offer a fixed rate for a fixed term, you can enjoy the certainty of a guaranteed rate of return for the full life of your investment.

Interest is credited annually or at the end of the term, at which time you may choose to re-invest in a new bond, if available, or another Raphaels deposit account. Alternatively, you can have your capital and interest re-paid to you.

Our fixed rate bonds are available for a limited period only and may close early if oversubscribed.


  • Bond issues are for fixed period terms with a fixed interest rate
  • Invest a lump sum of between £5,000 and £250,000
  • Interest is credited annually or at the end of the term.
  • For Bonds of 2 years or more, annual interest may be added to capital or
    repaid to you.
  • No withdrawals allowed before maturity
  • Available for individuals over 18 years of age



Please ensure that you have read the Information Sheet and Exclusions List, Terms and Conditions and Our Relationship Documents before you apply.