12-Month Fixed-Rate Saver
One year. One rate. One purpose.
The 12-month fixed rate savings bond is ideal if you’re looking to put money aside for a short, defined period with a guaranteed return.
It provides a stable, predictable way to earn more, while your savings are used to support churches, ministry workers, and Christian charities across the UK.
Account information
| Interest rate | 2.50% (under £50,000), 2.75% (over £50,000) Gross/AER |
|---|---|
| Interest accrual | Interest accrues on the daily balance at the above rate. Interest is compounded to the account on each anniversary and/or at the maturity date. |
| Deposit method | Bank transfer, standing order or card payment. |
| Minimum balance | £2,000 minimum balance |
| Withdrawal notice period | N/A |
| Withdrawal Terms/Number of withdrawals allowed | No withdrawals permitted during the fixed term. |
| Withdrawal destination | Pre-nominated bank account in the same name as the account holder. |
|
Interest illustration This assumes that you do not withdraw any money and that interest is paid into this account. It also assumes the interest rate stays the same and no additional money is added. |
If you deposit £2,000 when you open the account, the balance after 12 months will be £2,050. If you deposit £50,000 when you open the account, the balance after 12 months will be £51,375. |
£ 142 million
Saved with us in 2025.
Protected savings with a purpose
With FSCS protection and full FCA and PRA regulation, your savings are safe with us. Our interest rates ensure you earn predictable returns and, as a Christian bank, we ensure your savings are invested in gospel causes.
Ethical investment in Christian mission
We only invest in Christian causes with gospel purpose. From church building projects to property purchases, your savings support gospel growth. And, when you need them, we’ll return your savings with interest.
Secure digital banking with friendly support
Enjoy the convenience of Online Banking and our Mobile App to manage your savings wherever you are. Whenever you need a helping hand, our friendly team is here to provide expert guidance and personal support.
Open your account today
Start saving with purpose and join us in growing God's Kingdom.
Important documents
We would recommend you familiarise yourself with these documents.
12-Month Fixed-Rate Saver
Frequently asked questions
No, as this is a fixed rate product.
You can manage your account via Online Banking and our Mobile App. Alternatively, information can be requested over the phone.
We will contact you before your Bond matures to offer you a range of options, including re-investment and withdrawal.
It is not possible to make a withdrawal during the term of the deposit.
At the end of this term, all withdrawals must be made to a UK account in the same name.
No charges apply to this account (except for those referred to in our Terms and Conditions, where we permit early withdrawal at our discretion with charges on transfer before maturity).
Yes. Kingdom Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. All eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person.