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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 (3453 reviews)

Financial Services Compensation Scheme

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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
1.50%
Gross Monthly Interest
1.49%
AER^
1.50%
Open an account

Our rate checker tool is being updated

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Term
2 Year
Gross Annual Interest
1.60%
Gross Monthly Interest
1.59%
AER^
1.60%
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
1.65%
Gross Monthly Interest
1.64%
AER^
1.65%
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
1.85%
Gross Monthly Interest
1.83%
AER^
1.85%
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
2.00%
Gross Monthly Interest
1.98%
AER^
2.00%
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
  • Cooling off period - if you change your mind within 14 calendar days of opening your account, we’ll cancel your account and return your money without penalty or notice
  • Savings held with Aldermore are covered by the Financial Services Compensation Scheme (FSCS). The protection limit within the Scheme for each saver is £85,000

 

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
  • No withdrawals, transfers out or closures permitted before the maturity date


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 Letter and your Customer ID, which you should usually receive within five business days. When you log in, we'll give you all the information you need to make the most of your new account
  • 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
  • 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

1 Year Fixed Rate Account

Excellent service just how i like it

So easy to open and set up only had 1 query made 1 phone call answered vey quickly and dealt with just as fast a pleasure to deal with

16th August 2017 Alfie122
4 Years Fixed Rate Account

Pays a good competitive interest rate

The account I opened suits me well. However, I am not happy that I had to open it via the internet. When I first invested with your company, I could do it via the telephone. I will not be investing any new money as my bank branch is now ten miles away.

14th August 2017 BigJ
1 Year Fixed Rate Account

Aldemore always offer competitive savings rates

I have been an Aldemore saver for many years. No matter what length of term I am looking for Aldemore offer a competitive interest rate. Transactions are easy to complete and if assistance is required the staff are both efficient and friendly. I would recommend Aldemore to all savers whether short or long term

10th August 2017 Di99
1 Year Fixed Rate Account

City

Easy to setup competitive rates just what I was looking for.

9th August 2017
1 Year Fixed Rate Account

Completely satisfied at present

The latest is a re-investment as I have perfectly satisfied with all aspects of Aldermore to date.

7th August 2017 dixieland

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Up to 0.80% AER*

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Up to 0.75% AER*