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Fixed Rate Accounts

Protect your hard-earned savings from interest rate fluctuations with our fixed rate savings account. You'll enjoy peace of mind knowing exactly how much interest you'll earn.

  • 4.6/5 (3037 reviews)

‘Winner’ – Best Online Savings Account Provider
Your Money Awards 2014

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Open a Fixed Rate Savings Account with Aldermore Bank today. It’s easy, convenient and secure. Open an account, complete identity checks and move your money in minutes.

Fixed Rate Accounts

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Open an Account
Term
1 Year
Gross Annual Interest
0.95%
Gross Monthly Interest
0.95%
AER^
0.95%
Open an account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

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Term
2 Year
Gross Annual Interest
1.15%
Gross Monthly Interest
1.14%
AER^
1.15%
Open an account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

We apologise for any inconvenience. Please try again later.

Please wait while we load previous session...

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Term
3 Year
Gross Annual Interest
1.20%
Gross Monthly Interest
1.19%
AER^
1.20%
Open an account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

We apologise for any inconvenience. Please try again later.

Please wait while we load previous session...

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Term
4 Year
Gross Annual Interest
1.50%
Gross Monthly Interest
1.49%
AER^
1.50%
Open an account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

We apologise for any inconvenience. Please try again later.

Please wait while we load previous session...

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Term
5 Year
Gross Annual Interest
1.75%
Gross Monthly Interest
1.74%
AER^
1.75%
Open an account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

We apologise for any inconvenience. Please try again later.

Please wait while we load previous session...

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  • Peace of mind - know exactly what interest rate you'll earn for a set period and we will personally write to you before your account matures
  • Transparent - our competitive rates aren't artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Open an account with just £1,000
  • Easy to manage - do it online, by phone or by post
  • Great value - no fees or charges for day-to-day account services
  • Savings held with Aldermore are covered by the Financial Services Compensation Scheme (FSCS). The protection limit within the Scheme for each saver is £75,000

 

Please read the Fixed Rate Accounts Summary Box and Personal Savings Terms and Conditions before you open an account.

  • You’ll need to provide us with details of a UK personal bank or building society account to link to your Aldermore account. You should be named as an account holder on this account and the account should accept Faster Payments, CHAPS and BACS. To help us keep your money safe and protect against fraud, we’ll only accept deposits from this account and we’ll always send money back to this account, for example when making payments of interest or at maturity. Payments to us from any other account will not be accepted and will be returned
  • We guarantee to pay the interest rates shown (or the higher rates if we’ve increased them) provided we receive your opening deposit within 14 calendar days of opening the account
  • You can make deposits by Faster Payments, BACS, CHAPS, Standing Order or cheque from your nominated UK bank or building society account. You’ve 14 calendar days from account opening to make all of your deposits into your account
  • For deposits received via Faster Payments, BACS, CHAPS or Standing Order, interest will be earned from the date on which we receive your money and for deposits received by cheque, interest will be earned from the second business day after receipt
  • Interest is paid gross (without tax taken off). Under the Personal Savings Allowance, the first £1,000 of income from non-ISA savings (e.g. any interest earned) is tax free for basic rate taxpayers, and the first £500 is tax free for higher rate taxpayers. No Personal Savings Allowance applies if you’re an additional rate tax payer. If the interest you earn is less than your Personal Savings Allowance, you don’t have to do anything. If the interest you earn is more than your Personal Savings Allowance, you’ll have to pay tax on the difference. HMRC will normally collect the tax by changing your tax code in the PAYE system. If you fill in a Self Assessment tax return you should carry on doing this as normal. For further details on how tax will be collected, refer to the HMRC guide to the Personal Savings Allowance or visit gov.uk


Fees and charges

You won't have to pay any fees or charges, although there may be a small charge for non-standard services - check our tariff of charges for more details.

Managing your account with us is simple and straightforward - and we're always on hand to help if you've any questions. Here's how it works:

  • Once you've opened your account with us, we'll send you a welcome pack, usually within five business days, with all the details you'll need to manage your account
  • If you open an account online, you can log into your account to view and print a transaction statement at any time and a Summary of Interest will be available in internet banking shortly after the start of each tax year. If you open an account by post, we will send your transaction statement and Summary of Interest by post once a year, usually in April
  • Want to check your account details and rates? Just login whenever you like
  • Contact us whenever you need to – via our UK-based call centre on 0345 604 2678, by logging into your account and sending us a secure message or by emailing service@aldermoresavings.co.uk. Click here for our opening hours
  • Your account will mature on the anniversary of the date we receive your opening deposit. We’ll write to you personally a few weeks earlier with a simple, easy-to-understand guide to all your maturity options
  • No need to worry about bonus rates dropping off: there are no hidden bonuses or introductory offers - just consistently competitive rates

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

Latest Rating and Reviews

5 Years Fixed Rate Account

communication problems spoiled this opening

I opened this a/c online but did not receive any email confirmation. I emailed Aldermore asking if it was open (giving my name and address but not a/c details so it remained secure).The reply I got refused to tell me if it was open and therefore that I could transfer funds, stating security reasons (when I was asking for nothing that qualified as secure). It offered other ways to contact, but I was cross so did not start again with my query. ] I saw that an a/c was there on my online screens, but did not receive details of account to pay into, except online when opening but before it was available to use, nor reference or account numbers, although I quickly received the account number in the snail mail but still without transfer in details. I still do not have the numbers to use for faster payments, so have abandoned this for now.

8th December 2016 hectoragain
2 Years Fixed Rate Account

just what i needed

overall experience from looking on line to finishing application was so quick and easy everything came through post within days excellent would reccomend aldermorejust have to my son

2nd December 2016
1 Year Fixed Rate Account

When interest rates are poor Aldermore offered a fair return

Very easy and professional service. I would recommend Aldermore's services to anyone who wishes to invest

2nd December 2016 Trickster
5 Years Fixed Rate Account

best in a bad time for savings

I have chosen Aldermore because I am happy with them as I have used them before and like the efficiency and simplicity. It may not be the highest return but it is reliable and honest

2nd December 2016
2 Years Fixed Rate Account

Back for more !!

This the 3rd lot of savings with Aldermore.It is very easy to set up and the interest is better than most other savings accounts.

28th November 2016

Don't want a fixed rate?

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Up to 0.80% AER*

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Up to 0.80% AER*

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Up to 0.75% AER*