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Fixed Rate Bonds

for personal clients

Raphaels makes high interest fixed term bonds available to personal customers from time to time.

These special bond issues enable you to invest a lump sum at a fixed rate for a fixed term, so you can enjoy the certainty of a competitive return.

Invest a lump sum of between £5,000 and £250,000 and in return you will receive an attractive interest rate guaranteed for the full term.

Interest is credited annually or at the end of the term. At the end of the term, you may choose to re-invest in a new bond, if available, or another Raphaels deposit account. Alternatively, you can opt to 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
  • No withdrawals allowed before maturity
  • Interest paid at the end of the term
  • Guaranteed growth
  • Available for individuals over 18 years of age


Please note: we currently have no bonds available.

Terms and Conditions Fixed Bond Rate