UK, EU and Global Fixed Income

Earn More Than Your Bank With Professional Bonds

Access UK Gilts, corporate bonds, Sukuk, US Treasuries and more through a professional-grade platform. Yields of 4 to 6% and above, full liquidity, tradeable from your phone.

50+

Bonds Available

4 to 6%+

Yield Range

8 Countries

Sovereign Issuers

From 0.25%

Commission

Why Agyal vs Your Bank

Your savings account is losing you money

UK high-street banks offer 1.5 to 2.5% on savings. Government-backed gilts and investment-grade bonds on Agyal yield 4 to 6% and above — with comparable capital protection.

High-street bank savings

Typical

1.5 to 2.5%

annual yield

Low headline rate, can change any day
Rate often drops without notice
FSCS protection up to £85k
No secondary market, locked until maturity

UK Gilts and IG Corporates

Agyal

4.5 to 5.5%

annual yield

Fixed coupon locked in at purchase
Tradeable on secondary market, exit anytime
UK Treasury AA- and AAA rated EU sovereigns
ISA eligible gilts available

High-yield corporates and Sukuk

Agyal

5.0 to 6.5%

annual yield

Investment-grade issuers (BBB and above)
Semi-annual coupon payments to your cash account
Shariah-compliant options available
Higher yield means slightly higher credit risk

Illustrative Yield Comparison (2025)

Annual yield on a £100,000 investment. Figures approximate.

HSBC / Barclays savings
2.2%
Cash ISA (best rate)
3.5%
UK Gilt 4.50% 2030
4.8%
HSBC Bond 4.75% 2030
4.9%
Barclays 5.50% 2028
5.1%
ADIB Sukuk 5.50% 2031
5.3%

Source: Illustrative only. Not financial advice. YTM as of mid-2025.

Liquidity and Mobility

Your money stays liquid. You stay in control.

Unlike fixed-term deposits or notice accounts, bonds on Agyal are tradeable. Need your cash? Sell on the secondary market — no notice periods, no penalties.

Secondary Market Access

Sell any holding at prevailing market prices. No lock-up. No 90-day notice period.

Trade from Anywhere

Full mobile experience — browse bonds, execute trades, and monitor your portfolio from your phone.

Coupon Paid to Cash

Semi-annual or annual coupon payments land directly in your cash account, ready to reinvest or withdraw.

Faster Settlement

T+2 standard settlement. Instant fund deposits available for GBP transfers.

Real-Time Pricing

Live indicative prices and yields. No stale quotes — know exactly what you will receive.

Secure Custody

Holdings held via regulated custodians. FCA-framework designed, segregated client assets.

Built for mobile — not retrofitted

Agyal was designed mobile-first. Check yields during your commute, place a bond order at lunch, and receive coupon notifications on your lock screen.

Try the Platform
Browse 50+ bonds across 8 countries
One-tap order placement
Portfolio P&L at a glance
Push alerts for coupons and maturities

Professional Trading, Simplified

Everything you need to build and manage a diversified fixed-income portfolio.

Real-Time Yields

Competitive yields from 2.5% to 6.5% across investment-grade bonds, gilts, and Sukuk.

FCA Framework

Designed to meet FCA and MiFID II regulatory standards for investor protection.

Diverse Issuers

UK Treasury, German Bunds, US Treasuries, Islamic Sukuk, covered bonds, and top-tier corporates.

Multi-Currency

Trade in GBP, EUR and USD with transparent pricing across 8 sovereign jurisdictions.

Ready to start building?

Explore our full range of fixed-income instruments and start trading today.

Browse All Bonds
For Investors

Interested in Agyal?

We're building the UK's first fixed-income platform for retail and HNW investors. View our investor deck and get in touch.

View Investor Deck