Fidor Bank Savings Bonds

protected by the German Statutory Deposit Insurance

Flexible amount & duration

Up to 1.20% p.a. from as little as £100

Select your duration

3 and 6 month bonds, without the lock-in

Important information

The current interest rates for our Savings Bonds created from 9th of November 2018 onwards, is zero. Please note this is a temporary decision.

Invest money for strong returns

Do you want to invest your money for a fixed-term and get a guaranteed fixed rate of interest? The Fidor Bank Savings Bonds is the right choice for you. You can determine the term and therefore the interest rate that you will receive, which can be created easily with the Savings Bonds Configurator tool.

More about our Savings Bonds

At Fidor Bank, we endeavour to adapt our offering to the needs of our clients while keeping things as simple as possible. For this reason, we have decided to let you invest as little as £100 in Savings Bonds up to 100,000 for the duration of their choice (3, 6, 9, 12 months).

Savings bonds can be created at any point in time, in less than 60 seconds, directly from your Fidor Bank Smart Current Account but will take up to 3 banking days to be processed by the bank.

Creating a Savings Bond is FREE and has no management fee, the only thing we require is that you hold a Fidor Smart Current Account.


Fidor Bank Savings Bonds Term Interest Rate before 09/11/2018 Rates from 09/11/2018*


Minimum     £100
Maximum    £100,000

3 months 0.90% p.a.* 0.0% p.a.
6 months 1.00% p.a.* 0.0% p.a.
9 months 1.10% p.a.* 0.0% p.a.
12 months 1.20% p.a.* 0.0% p.a.


Interest deposit: The interest payment together with the amount invested is directly deposited into your Fidor Smart Current Account at the end of the duration of the Savings bond you have chosen, subject to any applicable tax.

Statutory Deposit Insurance: FIDOR Bank AG is a member of the Compensation Scheme of German Banks GmbH, which means you are always covered by the latest German deposit insurance. Since the 31st December 2010, this is the GBP equivalent of €100,000.

*Effective from 9th November 2018 onwards only - for any saving bonds created prior to that date, previous rates apply.

Your Fidor Plus

Simple – you can configure your savings bond in 60 seconds. 

Social –  want to be one of the first to know if and when interest rates are going to change? Join our Interest Rates Consensus Group. In this group, all interest rate changes are announced and discussed in advance.

Flexible – choose the duration, which best fits your financial needs. From 3 months to 3 years.

1. Log in

To create a Fidor Savings Bond, you need to be a Fidor Bank Smart Current Account holder. Then, simply log into your Fidor Smart Current Account. If you don't have an account, sign up here.

2. Choose

After logging in, go to the "Cash Manager" tab, click on "Savings Bonds" and choose "Configure". Now, you are on the "Savings Bond Configurator" tool. 

3. Confirm

In the "Savings Bond Configurator", select the amount and duration. Your interest rate and the payment amount you will receive once the savings bond matures is now displayed. After verifying the data, you are just a validation code entry away from owning your savings certificate.

Community User

There is a great Fidor Community on their website where questions can be raised and ideas and suggestions made to create a "dreamed for" bank!

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 Community User

Received my debit card quickly after ordering, simple and trouble free to activate the card and view the PIN. I like the options to have transactions by the card notified by email or SMS. Good stuff.

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Community User

Hey people: I've just created a Savings Bond! It's a great idea! At least some interest secured.