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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 (3002 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
1.10%
Gross Monthly Interest
1.09%
AER^
1.10%
Open an account

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

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

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

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

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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
  • 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.
  • 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 that we receive your completed account opening form and opening deposit within 10 business days. After this time, we’ll pay the prevailing rate on the day that we receive them
  • You’ve 20 business days from the date of application to make deposits into your account. After this 20 business day period all further deposits will be rejected and returned to you without interest. For deposits received via Faster Payments, BACS, CHAPS or Direct Debit, 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
  • You simply need to be aged 18 years or over, resident in the UK and only liable to pay tax in the UK
  • You cannot make any withdrawals or close your account before the maturity date 


To view full Personal Savings Terms and Conditions please click here

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 Statement of Interest will be available in internet banking shortly after the start of each tax year. If you open an account over the telephone or by post, we will send your transaction statement and Statement 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
Tax Interest is paid gross (without tax taken off)
Term of account You can choose from the following terms:
1 Year, 2 Year, 3 Year, 4 Year, 5 Year
Minimum deposit £1,000. You’ve 20 business days from the date of application to make deposits into your account. After this 20 business day period all further deposits will be rejected and returned to you without interest
Maximum deposit £1m
Withdrawals No early withdrawals until the end of the term 
Paying money in

By Faster Payments, BACS, CHAPS, Direct Debit, Cheque or Standing Order from your nominated UK bank or building society account

Number of account holders Up to two
How we calculate your interest Daily, applied to your account monthly, annually or at maturity (where available)
Payment of interest

You can choose to have your interest paid to any of the following: your Fixed Rate account, another Aldermore Easy Access or Notice account, your nominated UK bank or building society account

Account maturity We will write to you a minimum of 21 calendar days before your account matures to explain your options.
If we don't hear from you we will move your money into another fixed rate account of the same or similar term.
How you operate your account Internet, Phone, Post

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

Latest Rating and Reviews

1 Year Fixed Rate Account

Straight forward product

Easy to understand and open, decent interest rate for the time.

26th September 2016
5 Years Fixed Rate Account

Smooth Process

Everything from opeining a/c to transferring funds from another Society went without hitch. When I had cause to make telephone contact, it was answered quickly and my query resolved to my satisfaction.

25th September 2016 Taffy13
1 Year Fixed Rate Account

Just what I was looking for.

I was looking for an short term account with a higher interest rate than other financial institutions and Aldermore came up on the search engine. The account was easy to open and the procedure without hassle. Within hours of transferring the money into the account I had confirmation of the account being operational. Will be keeping an eye on other available Aldermore accounts for the future.

24th September 2016 Paulo60
5 Years Fixed Rate Account

Savings products

Been with Aldermore for more than five years and always offer good rates of interest on your savings

23rd September 2016
1 Year Fixed Rate Account

A no-nonsense transaction

I already have other products with Aldermore and opening a savings bond couldn't have been easier. Highly recommended.

23rd September 2016 Annie20

Don't want a fixed rate?

Personal Savings

Notice Accounts
  • 5/5 (3 reviews)

Want a great interest rate with added flexibility? Our Notice Savings Account gives you exactly that.

Up to 1.05% AER*

Personal Savings

Notice Cash ISAs
  • 3.3/5 (6 reviews)

With our Notice Cash ISA, you get a great interest rate while you build up your savings. You can still access your money if you need it and can make as many withdrawals as you like. All of the interest is tax free – it doesn’t count towards your Personal Savings Allowance – and our Cash ISAs are flexible too.

Up to 1.05% AER*

Personal Savings

Easy Access Account
  • 4.7/5 (34 reviews)

Our Easy Access Account gives you a great rate as well as full flexibility - so you can withdraw cash or add to your funds whenever you like.

Up to 1.00% AER*