2 Year Fixed Rate Bond Supporting Barnardos (Issue 3)
With our 2 Year Barnardo’s Bond, you save and we’ll donate to our charity partner. Lock away your savings and we’ll make a one-off donation, equal to 0.1% of the total amount saved in this bond on 1st Nov 2026, to support Barnardo’s! Together, let’s build brighter tomorrows for young people leaving care. Barnardo’s, a charity registered in England & Wales (216250) and Scotland (SC037605).
Interest rate
4.55%
The term is fixed until 31 October 2028
Before you get started, take a look at the summary box to see if this product is right for you.
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2 Year Fixed Rate Bond Supporting Barnardos (Issue 3)
With our 2 Year Barnardo’s Bond, you save and we’ll donate to our charity partner. Lock away your savings and we’ll make a one-off donation, equal to 0.1% of the total amount saved in this bond on 1st Nov 2026, to support Barnardo’s! Together, let’s build brighter tomorrows for young people leaving care. Barnardo’s, a charity registered in England & Wales (216250) and Scotland (SC037605).
Interest rate:
4.55%
Gross p.a./AER fixed until 31 October 2028.
The term is fixed until 31 October 2028
This might be right for you if...
- You'd like a fixed rate of interest
- You have a lump sum to deposit
- You want to save and help charity at the same time
Some things to bear in mind...
- You can only access your money after 31 October 2028
- Deposits can only be made up to 31 October 2026
- Minimum operating balance of £100
Summary Box
Account Name: 2 Year Fixed Rate Bond Supporting Barnardos (Issue 3)
What is the interest rate?
4.55% Gross p.a./AER fixed until 31 October 2028.Interest is calculated daily.
Interest is paid on 31 October, commencing 31 October 2027 and on maturity 31 October 2028.
Interest can be added to the account or paid to another account, with us or another provider.
For balances below £100, the interest rate reduces to 0.05% Gross p.a./AER variable.
Gross means the rate of interest payable before the deduction of income tax. It is your responsibility to pay any tax based on your individual circumstances.
AER stands for Annual Equivalent Rate. This is what the interest rate would be if interest was paid and added each year. It helps you to compare accounts.
Can Leeds Building Society change the interest rate?
No. The interest rate is fixed until 31 October 2028.You must not exceed any minimum or maximum balance.
What would the estimated balance be after 24 months based on a £1,000 deposit?
£1,093.07.This assumes that:
• you deposit £1,000 on 31 October 2026;
• you don’t make any further deposits or withdrawals;
• the interest rate doesn’t change; and
• the interest is paid annually on 31 October and added to the account.
This projection is only an illustration and will depend on your individual circumstances.
How do I open and manage my account?
Eligibility:To open this account, you must be a UK resident aged 18 or over.
The account cannot be opened by corporate bodies, trustees, executors, nominees or charities.
How much do I need to open the account?
£100
Is there a minimum or maximum balance? Minimum balance: £100
Maximum balance: £1,000,000 / £2,000,000 (joint account), plus any interest earned and paid to the account.
Are joint accounts permitted? Yes
How do I open an account?
By visiting one of our branches, via our website at www.leedsbuildingsociety.co.uk or by post.
Can I have more than one of this account? No
How do I operate the account?
In branch or by post.
You may be able to carry out some operations by telephone and online, if you have registered for online services.
Can I transfer my existing Leeds Building Society account to this one?
This will depend on the terms and conditions of your existing account, please check with us.
Can I add more money after my initial deposit?
Yes. You can make deposits up to and including 31 October 2026.
Can I withdraw money?
Can I withdraw money?No. You cannot make a withdrawal until the day after maturity, 1 November 2028.
You should ensure you will not need access to these funds before this date.
What happens on 31 October 2028?
The fixed term will end at midnight on 31 October 2028. This is known as maturity.
On 1 November 2028, your funds including any interest, will be transferred to an instant access maturity account.
Details of your options and terms and conditions for the new account will be provided before maturity.
Additional Information
What does gross interest mean?This means we don’t take off any tax. How your interest is taxed depends on your own circumstances, which may change. If you’re unsure, you should get independent tax advice.
Can I cancel my account?
You have 14 days from the date you open your account to cancel it. You can cancel by phone, in branch or in writing by post.
After this date you cannot close your account until 1 November 2028.
What does the donation to Barnardo’s mean?
The Society will donate an amount equivalent to 0.10% of the total balances held in this account on the day after it is closed to any further deposits.
A single donation will be made to Barnardo’s whose charity number is 216250 in England and Wales and SC037605 in Scotland in relation to the 2 Year Fixed Rate Bond Supporting Barnardos.
This donation is made by the Society, it does not affect the interest you receive.
Summary box
Account Name: 2 Year Fixed Rate Bond Supporting Barnardos (Issue 3)
Interest is calculated daily.
Interest is paid on 31 October, commencing 31 October 2027 and on maturity 31 October 2028.
Interest can be added to the account or paid to another account, with us or another provider.
For balances below £100, the interest rate reduces to 0.05% Gross p.a./AER variable.
Gross means the rate of interest payable before the deduction of income tax. It is your responsibility to pay any tax based on your individual circumstances.
AER stands for Annual Equivalent Rate. This is what the interest rate would be if interest was paid and added each year. It helps you to compare accounts.
You must not exceed any minimum or maximum balance.
This assumes that:
• you deposit £1,000 on 31 October 2026;
• you don’t make any further deposits or withdrawals;
• the interest rate doesn’t change; and
• the interest is paid annually on 31 October and added to the account.
This projection is only an illustration and will depend on your individual circumstances.
To open this account, you must be a UK resident aged 18 or over.
The account cannot be opened by corporate bodies, trustees, executors, nominees or charities.
How much do I need to open the account?
£100
Is there a minimum or maximum balance? Minimum balance: £100
Maximum balance: £1,000,000 / £2,000,000 (joint account), plus any interest earned and paid to the account.
Are joint accounts permitted? Yes
How do I open an account?
By visiting one of our branches, via our website at www.leedsbuildingsociety.co.uk or by post.
Can I have more than one of this account? No
How do I operate the account?
In branch or by post.
You may be able to carry out some operations by telephone and online, if you have registered for online services.
Can I transfer my existing Leeds Building Society account to this one?
This will depend on the terms and conditions of your existing account, please check with us.
Can I add more money after my initial deposit?
Yes. You can make deposits up to and including 31 October 2026.
No. You cannot make a withdrawal until the day after maturity, 1 November 2028.
You should ensure you will not need access to these funds before this date.
What happens on 31 October 2028?
The fixed term will end at midnight on 31 October 2028. This is known as maturity.
On 1 November 2028, your funds including any interest, will be transferred to an instant access maturity account.
Details of your options and terms and conditions for the new account will be provided before maturity.
This means we don’t take off any tax. How your interest is taxed depends on your own circumstances, which may change. If you’re unsure, you should get independent tax advice.
Can I cancel my account?
You have 14 days from the date you open your account to cancel it. You can cancel by phone, in branch or in writing by post.
After this date you cannot close your account until 1 November 2028.
What does the donation to Barnardo’s mean?
The Society will donate an amount equivalent to 0.10% of the total balances held in this account on the day after it is closed to any further deposits.
A single donation will be made to Barnardo’s whose charity number is 216250 in England and Wales and SC037605 in Scotland in relation to the 2 Year Fixed Rate Bond Supporting Barnardos.
This donation is made by the Society, it does not affect the interest you receive.
Keeping you and your information safe
- We share the information you provide with fraud prevention agencies
- They use this information to guard against fraud, money laundering and identity theft
- If any of these are detected, it may prevent you from applying for selected accounts
- You can find out more about your data protection rights in our Guide to use of your personal data (PDF)
Continuing with your application lets us know we're okay to use your information this way.
Keeping you and your information safe
We share your information with fraud prevention agencies to protect against fraud, money laundering and identify theft. If any of these are found, you might not be able to apply for selected accounts.
You can find out more about your data protection rights in our:
Guide to use of your personal data (PDF, 0.3MB) (opens in a new window)
Continuing with your application lets us know that we can use your information in this way.
Apply online now
Before you apply, please read the summary box above, our Product Terms & Conditions (PDF), General Terms & Conditions (PDF) and the FSCS Information Sheet (PDF).
Ready to apply?
Before you apply please read our:
Product Terms and Conditions (PDF, 0.4MB) (opens in a new window)
General Terms and Conditions (PDF, 0.5MB) (opens in a new window)
FSCS Information Sheet (PDF, 0.7MB) (opens in a new window)
Other ways to apply
Protect your money
Your eligible deposits with Leeds Building Society are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
