Grow your savings with our Rewarding Interest Rates

Fixed Returns
Fixed Returns

Lock in a fixed interest rate for a specific duration, ensuring that your savings will grow.

Flexible Terms
Flexible Terms

Choose a time period that suits your financial goals, ranging from 1 month to 60 months.

No action required
No action required

Get your principal plus earned interest deposited into your account on the maturity date.

Know exactly what you’ll get
Know exactly what you’ll get

You’ll know exactly how much interest you’ll earn when you place your deposit.

Overview of an iFAST app user, showing his fixed term deposit account
card contract
4.30%
4.30%
£

iFAST Global Bank Fixed Term Deposits are subject to a fixed deposit term. Early withdrawal before maturity is not permitted, except under exceptional circumstances, and may result in the loss of all accrued interest and a penalty. A 14-day cooling-off period applies from the date of application. During this period, your full deposit will be returned, however no interest will be paid.

Overview of an iFAST app user, showing the option of fixed term deposit account
4.30%
AERinfo

Term Length

Fixed 48 Months

Minimum Deposit

£1.00

Gross Rate p.a.

4.30%

GBP
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Maximise your returns with 24/7 fixed term deposit placement

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Image displaying the currencies available for iFAST Global Bank : GBP, EUR, USD, HKD, SGD and CNY

Pick Your Currency, Maximise Savings

Choose a fixed term and earn interest in the currency of your choice. Select from GBP, USD, EUR, SGD, HKD, CNY, JPY, CHF or AED based on your saving needs.

Earn More with Our Competitive Fixed Term Deposit Rates

Term LengthAnnual Equivalent Rate (AER)
GBP
USD
EUR
HKD
SGD
CNY
JPY
AED
Fixed 1 Month 3.50% 2.80% 1.50% 2.20% 1.60% 1.10% - 2.85%
Fixed 3 Months 3.75% 3.00% 1.80% 2.50% 1.70% 1.30% - 3.00%
Fixed 6 Months 4.00% 3.45% 2.20% 2.95% 1.75% 1.50% - 3.30%
Fixed 12 Months 4.20% 3.60% 2.30% 3.15% 2.00% 1.75% 0.85% 3.50%
Fixed 24 Months 4.25% 4.00% 2.40% 3.30% 2.00% - - -
Fixed 36 Months 4.25% 4.05% - 3.55% - - - -
Fixed 48 Months 4.30% 4.10% - 3.65% - - - -
Fixed 60 Months 4.30% 4.15% - 3.75% - - - -

Important Notice: Our interest rates may change. Kindly check the latest rates through your banking portal or mobile app after logging in.

Last updated date: 12 Jun 2026

Calculate Your Fixed Term Deposit Returns

Currency
Select Currency
Term Length
Select term length
Placement Amount
Enter Amount

Expected Total Amount

-

Total Placement

-

Est. Returns

-

Start Saving

Disclaimer:
This calculator is intended as a guide, and all information contained herein is for estimation and illustration purposes only. iFAST Global Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you make as a result of using the calculator.

Saving for Retirement, house or a special occasion?

Get More from Your Savings with Us. Maximise returns securely with iFAST’s competitive fixed term deposit rates. Deposit anytime that suits you and earn interest on a fixed term that aligns with your financial goals.

Fixed Term Deposit Summary Box

Expand All

Fixed Term Deposit

Term LengthGross / Annual Equivalent Rate (AER)
GBP
USD
EUR
HKD
SGD
CNY
JPY
CHF
AED
Fixed 1 Month3.50%2.80%1.50%2.20%1.60%1.10%--2.85%
Fixed 3 Month3.75%3.00%1.80%2.50%1.70%1.30%--3.00%
Fixed 6 Month4.00%3.45%2.20%2.95%1.75%1.50%--3.30%
Fixed 12 Month4.20%3.60%2.30%3.15%2.00%1.75%0.85%-3.50%
Fixed 24 Month4.25%4.00%2.40%3.30%2.00%----
Fixed 36 Month4.25%4.05%-3.55%-----
Fixed 48 Month4.30%4.10%-3.65%-----
Fixed 60 Month4.30%4.15%-3.75%-----
Refer to the following link for further details of current interest rate.
Important Notice:  Our interest rates may change. Kindly check the latest rates through your banking portal or mobile app after logging in.
Definitions
  1. AER stands for Annual Equivalent Rate. This shows you what the interest rate would be if interest was paid and compounded once each year.
  2. Gross is the rate of interest payable without taking account of any tax payable.
  3. Business Day refers to any days other than Saturday, Sunday, or Bank Holiday on which banks are open for business in London.
* Interest is calculated daily and paid upon maturity of the product.

No, once the fixed term deposit has started, the interest rate on this product is fixed and not subject to any changes.

Term LengthGross / Annual Equivalent Rate (AER)
GBP
USD
EUR
HKD
SGD
CNY
JPY
CHF
AED
Fixed 1 Month£1,002.88US$1,002.33€1,001.25HK$1,001.81S$1,001.32CN¥1,000.92--د.إ1,002.38
Fixed 3 Month£1,009.45US$1,007.67€1,004.60HK$1,006.30S$1,004.28CN¥1,003.32--د.إ1,007.67
Fixed 6 Month£1,020.05US$1,017.54€1,011.18HK$1,014.79S$1,008.77CN¥1,007.63--د.إ1,016.78
Fixed 12 Month£1,042.00US$1,036.50€1,023.32HK$1,031.50S$1,020.00CN¥1,017.74JP¥1,008.62-د.إ1,035.49
Fixed 24 Month£1,085.12US$1,081.22€1,048.73HK$1,066.09S$1,040.05----
Fixed 36 Month£1,127.62US$1,123.30-HK$1,106.60-----
Fixed 48 Month£1,172.35US$1,166.62-HK$1,146.30-----
Fixed 60 Month£1,215.24US$1,210.61-HK$1,187.71-----
Important Notice:  Our interest rates may change. Kindly check the latest rates through your banking portal or mobile app after logging in.
  1. This projection assumes one payment of 1000 is deposited on the first day of account opening, with no further deposits or withdrawals made during the projection period, and that interest is paid into this account at the end of the term.
  2. This is for illustrative purposes only, and doesn’t take into account your individual circumstances.
  1. Eligibility
    • Aged 18 years or over.
    • You'll need to bank with iFAST Global Bank and be a Multi-Currency Current Account customer for the duration of your Fixed Term Account.
  2. How to open the account
    • Only sole name account allowed
    • You can apply this fixed term deposit account via our customer banking portal or mobile APP.
  3. Minimum/ Maximum Balance:
    • Multiple Fixed Term Deposit products are allowed.
    • Minimum deposit is 1 unit of any of the following currencies: GBP, EUR, USD, HKD, SGD, CNY, JPY, CHF, AED.
    • No maximum deposit amount.
  4. How to manage the account:
    • Once opened, Fixed Term Deposit account can be managed via our online banking portal or mobile app
    • Statements for your Fixed Term Deposit Account can be found via our online customer banking portal or mobile app with 24/7 access.
  1. There is a 14-day cooling-off period from the date your account is opened. During which time, you can close your account without any charges. Please notify our customer services team at clienthelp@ifastgb.com
  2. Unfortunately, this account doesn’t permit withdrawals before the agreed maturity date. However, we may allow you to close your account and make a withdrawal in exceptional circumstances, at our discretion. We may ask for evidence and/or further information to be provided in these situations.
  1. We will notify you before the maturity of your Fixed Term Deposit. You can choose to renew your Fixed Term Deposit for the same duration. However, the interest rate may vary depending on iFAST Global Bank’s updated offerings. If we don’t receive any instruction from you, your deposit together with the interest, will be returned to the respective currency of your Multi-Currency Current Account at maturity.
  2. We do not deduct tax from any interest paid to you. You will be responsible for the payment of any taxes in connection with the Fixed Term Account or the interest earned by you.
  3. You can decide on whether to auto-renew your Maturity instruction when placing your deposit.
    • No Auto-Renewal Selected: If you choose NOT to enable auto-renewal deposition your Fixed Term Deposit, the principal amount, along with the accrued interest, will be returned to the respective currency of your Multi-Currency Current Account at the maturity date.
    • Auto-Renewal Selected: If you opt for auto-renewal, at the maturity date, the principal amount and interest (if applicable) will be automatically renewed, unless you inform us that you want to opt out. Your new Fixed Term Deposit will be at the prevailing interest rate at that time of renewal. Please note that interest rates are not guaranteed, may be higher or lower and the principal amount calculated based on these rates may vary. Your actual interest rate and principal amount will be clearly displayed in the confirmation notice, and are subject to the relevant terms and conditions.

How to conduct the fixed deposit?

1

Select ‘Apply Deposit’ and choose ‘Fixed Term Deposit’ from the tab

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank
2

Select currency and the tenor of deposit

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank
3

Insert the deposit amount

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank
4

Select a maturity instruction

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank
5

Preview the deposit contract details and key features documents

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank
6

Authenticate with your digital token. Need to register? Visit thislinkfor guidance

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank
7

Receive the contract confirmation and notification

Overview of the steps of how to conduct the fixed deposit with iFAST Global Bank

FAQs

While applying the Fixed Term Deposit, you will be given the option to renew the contract upon maturity.

Unfortunately, Fixed Deposits do not permit withdrawals before the agreed maturity date. However, in exceptional circumstances, we may consider allowing an early withdrawal. Please note that supporting evidence or additional information may be required, and the outcome will be determined at the Bank’s discretion.  

You can easily check our latest interest rates through the following channels:
  • Website: Visit our Interest Rates page.
  • Mobile App: Navigate to the "Apply Deposit" section, where you’ll find detailed information about the interest rates for various deposit products.

For your personal information security and to safeguard your finances, it's essential to register with our digital token in you personal mobile device before confirming any deposit placements.

Upon logging in, you can select either “Fixed Term Deposit” or “Notice Deposit”, then click “Apply Now”