Fixed rate accounts - Personal savings - HTB
"We're proud to have received a Platinum Feefo Trusted Service Award in 2020, all thanks to our team of savings specialists."
Stuart Hulme, Director of Savings
1 Year Bond (Issue 39)
  • AER
    0.35%
  • Gross
    0.35%
  • Min Investment
    £1,000
  • Max Investment
    £250,000
More Details
  • Term
    1 year
  • Interest Paid
    Annually
  • How to Apply
    Online
  • Withdrawals
    Not permitted before maturity

What would the estimated balance be at the end of term based on two example deposit amounts?

  • £1,000 invested in this account would earn £3.50 interest by the end of the term
  • £50,000 invested in this account would earn £175.00 interest by the end of the term

These are indicative figures assuming annually compounded interest. You cannot withdraw money from your bond before the end of the term.

A bond is the right choice for you if you::
  • do not need to withdraw your money for the whole fixed term
  • want to know exactly how much interest you will earn
  • want an unlimited number of deposits for first 14 days
A bond is not the right choice for you if you::
  • want to make withdrawals during the fixed term
  • want to add more money to the account during the fixed term
More Details
2 Year Bond (Issue 46)
  • AER
    0.40%
  • Gross
    0.40%
  • Min Investment
    £1,000
  • Max Investment
    £250,000
More Details
  • Term
    2 years
  • Interest Paid
    Annually
  • How to Apply
    Online
  • Withdrawals
    Not permitted before maturity

What would the estimated balance be at the end of term based on two example deposit amounts?

  • £1,000 invested in this account would earn £8.02 interest by the end of the term
  • £50,000 invested in this account would earn £400.80 interest by the end of the term

These are indicative figures assuming annually compounded interest. You cannot withdraw money from your bond before the end of the term.

A bond is the right choice for you if you::
  • do not need to withdraw your money for the whole fixed term
  • want to know exactly how much interest you will earn
  • want an unlimited number of deposits for first 14 days
A bond is not the right choice for you if you::
  • want to make withdrawals during the fixed term
  • want to add more money to the account during the fixed term
More Details
1 Year ISA Bond (Issue 16)
  • AER
    0.66%
  • Gross
    0.66%
  • Min Investment
    £1
  • Max Investment
    £250,000
More Details
  • Term
    1 year
  • Interest Paid
    Annually
  • How to Apply
    Online or by post
  • Withdrawals
    Not permitted before maturity

What would the estimated balance be at the end of term?

  • £20,000 invested in this account would earn you £132.00 interest by the end of the term (Indicative figure assuming anually compounded interest). These are indicative figures assuming anually compounded interest. you cannot withdraw money from your bond before the end of the term.
  • Need to transfer your Cash ISA from another provider to us? Apply online or by post using the form below and we’ll do the rest.
  • Data Protection: All information that you provide to us will be processed in accordance with our Fair Processing Notice. Please read this carefully before applying to open the account.
THIS OPTION IS RIGHT FOR YOU IF YOU:
  • do not need to withdraw your money for the whole fixed term
  • want to know exactly how much interest you will earn
  • want an unlimited number of deposits for first 14 days
  • want to benefit from tax-free savings
THIS OPTION IS NOT RIGHT FOR YOU IF YOU:
  • want to make withdrawals during the fixed term
  • want to add more money to the account during the fixed term

You cannot withdraw money from your fixed rate ISA bond before the end of the term.

More Details
2 Year ISA Bond (Issue 15)
  • AER
    0.80%
  • Gross
    0.80%
  • Min Investment
    £1
  • Max Investment
    £250,000
More Details
  • Term
    2 years
  • Interest Paid
    Annually
  • How to Apply
    Online or by post
  • Withdrawals
    Not permitted before maturity

What would the estimated balance be at the end of term?

  • £20,000 invested in this account would earn £321.28 interest by the end of the term. These are indicative figures assuming annually compounded interest. You cannot withdraw money from your bond before the end of the term.
  • Need to transfer your cash ISA from another provider to us? Apply online or by post using the form below and we’ll do the rest.
  • Data protection: All information that you provide to us will be processed in accordance with our Fair Processing Notice. Please read this carefully before applying to open the account.

 

This option is right for you if you:
  • do not need to withdraw your money for the whole fixed term
  • want to know exactly how much interest you will earn
  • want an unlimited number of deposits for first 14 days
  • want to benefit from tax-free savings
This option is not right for you if you:
  • want to make withdrawals during the fixed term
  • want to add more money to the account during the fixed term

 

You cannot withdraw money from your fixed rate ISA bond before the end of the term.

More Details
FAQs
Financial Services Compensation Scheme (FSCS)
Terms explained
Proud of our achievements
Savings Champion Customer Services 2020 - HTB
Feefo Platinum 2020 - HTB
Don't want Fixed rate accounts?

Fixed rate cash ISAs

0.80%

For savings guidance contact HTB’s personal savings team on 020 7862 6222 or email us.

Why not take a look at our latest range of recently launched cash ISA bonds?

Feefo Logo Latest Ratings & Reviews

Don't just take our word for it.
5/5

“N/A”

No comment
3 February 2026
5/5

“Made a good choice by choosing HTB”

Speedy service and informative.
4 February 2026
4/5

“Trusted Customer”

Not really tested yet.
4 February 2026
5/5

“Recommended”

Responsive and helpful.
2 February 2026
5/5

“Trusted Customer”

2 February 2026
5/5

“Investment opportunity”

Very good informative and user friendly website
29 January 2026
5/5

“Trusted Customer”

Very helpful and pleasant
29 January 2026
5/5

“Account access”

On first phone call, I wasn't told to wait a couple of hours before attempting to sign in with reset password. Second time, was told but it still didn't work after waiting required time.
23 January 2026
5/5

“Excellent Savings Provider”

Very satisfied with overall experience of opening and funding savings bonds. No technical issues. Appreciate notifications for every deposit made. Competitive interest rates.
23 January 2026
5/5

“My first ISA”

Very good up to now.
23 January 2026
4/5

“Trusted Customer”

good
22 January 2026
5/5

“Easy to use”

Easy to use
22 January 2026
5/5

“Great customer service”

After only a brief oeriod on hold I was connected to a customer services representative who gave me the information required.
21 January 2026
5/5

“Trusted Customer”

21 January 2026
5/5

“Simple and quick account opening”

Online application process was very simple and smooth so did not speak to anyone. The documents confirming the establishment of the account and the bank details for funding it essentially arrived in my inbox within seconds of submitting the application. No complex ID verification. I assume that was all done electronically behind the scenes.
21 January 2026
5/5

“Good product”

Went smoothly, no problems
21 January 2026
5/5

“Trusted Customer”

21 January 2026
5/5

“Easy to set up”

Didn't even have to speak to anyone as all done online.
21 January 2026
5/5

“6 month bond”

Able to speak with a human who I could understand. He was very knowledgeable.
21 January 2026
4/5

“Trusted Customer”

Automated service was fine for me.
21 January 2026

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