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Fixed Rate Cash ISAs

Nothing beats knowing your savings are protected. Our Fixed Rate Cash ISAs give you a great return thanks to our guaranteed interest rate. All of the interest is tax free – it doesn’t count towards your Personal Savings Allowance – and our Cash ISAs are flexible too

  • 4.6/5 (1919 reviews)

Five Time Winner – ISA Provider of the Year, Consumer Moneyfacts Awards 2011 – 2015

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Open a Fixed Rate Cash ISA with Aldermore Bank to get a great return. It’s easy, convenient and secure. Open an account, complete identity checks and move your money in minutes.

Fixed Rate Cash ISAs

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
1.20%
Gross Monthly Interest
1.19%
AER^
1.20%
Open an account

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Term
3 Year
Gross Annual Interest
1.40%
Gross Monthly Interest
1.39%
AER^
1.40%
Open an account

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  • All interest tax free – income from Cash ISAs doesn’t count towards your Personal Savings Allowance, so all of the interest is tax free
  • Maximise your ISA allowance – you can split your ISA allowance between any of our Cash ISA products, as long as you don’t exceed your annual ISA allowance. For example, you could open a Fixed Rate Cash ISA with the money you are able to lock away, and also open a Notice Cash ISA in case you need to access some of your savings. This would be classed as one Cash ISA for the purposes of HMRC reporting
  • Flexibility – our Cash ISAs are flexible. You can withdraw money from a Fixed Rate Cash ISA from this tax year or previous tax years if you need to, subject to a deduction of interest. You can replace the money you’ve withdrawn without the replacement counting towards your annual ISA subscription limit, providing you replace the money in the same tax year that you withdraw it. To replace money withdrawn from a Fixed Rate Cash ISA, you will need to open a new Cash ISA product with us at the interest rate available at the time, or you could pay the money into another Cash ISA product already held with us that allows additional deposits
  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period and we’ll personally write to you before your account matures
  • Transparent – our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy set up – open an account, complete identity checks and move your money in minutes
  • Easily transfer ISAs from other providers – we’ll process the transfer electronically if we can or we’ll provide an ISA Transfer Form for you to complete and return to us. Please make sure that any ISA Transfer Forms are returned within ten business days from the date of application
  • 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, except where these are received by transfer from another ISA provider  
  • Your annual ISA allowance for the 2016/2017 tax year is £15,240. You can save the whole allowance in cash, in stocks and shares, in an innovative finance ISA (from 6 April 2016), or in any combination of these ISAs.
  • We do not provide stocks and shares ISAs or innovative finance ISAs. If you are considering encashing a stocks and shares ISA, you should consider seeking independent financial advice to ensure this meets your circumstances.
  • 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, opening deposit, and, if applicable, ISA transfer form within 10 business days. After this time, we’ll pay the prevailing rate on the day that we receive them
  • You can transfer in an ISA held with another provider at account opening stage only. When sending the opening deposit by cheque, please make sure that any ISA transfer forms are returned at the same time. If the opening deposit is made by another method, please make sure that any ISA transfer forms are returned within 10 business days
  • 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
  • Early withdrawals will be subject to a deduction in interest
  • You should keep at least £1,000 in your account at any one time (a gross interest rate of 0.50% will be paid on balances below this amount)
  • You simply need to be aged 18 years or over, resident in the UK and only liable to pay tax in the UK
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future
  • To read the 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 a 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
  • No need to worry about bonus rates dropping off. There are no hidden bonuses or introductory offers - just consistently competitive rates
  • 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
Tax Interest is paid gross (without tax taken off) and doesn’t count towards your Personal Savings Allowance
Minimum deposit £1,000.
You can request to transfer in an ISA held with another provider at account opening stage only. You've 20 business days from the date of application to make any other deposits you wish to make from your nominated bank account, within the current tax year ISA allowance. After this 20 business day period all further deposits will be rejected and returned to you without interest
Maximum deposit 2016/2017 ISA allowance - £15,240 (subject to HM Revenue & Customs rules). Transfers from another provider  - unlimited (subject to HM Revenue & Customs rules)
Withdrawals You can withdraw money from this tax year or previous tax years if you need to, subject to a deduction of interest:
1 Year - 120 days, 2 Year – 180 days, 3 Year – 180 days
A gross interest rate of 0.50% will apply if the balance falls below £1,000
ISA Flexibility

You can replace money you’ve withdrawn without the replacement counting towards your annual ISA subscription limit, providing you replace the funds in the same tax year you withdraw them. You will need to open a new Cash ISA product at the interest rates available at the time, or you could pay the money into another Cash ISA product already held with us that allows additional deposits

Paying money in

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

Number of account holders 1
How we calculate interest Interest calculated daily. Applied to your account monthly or annually
Payment of interest

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

Account Maturity We’ll 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 a 30 Day Notice Cash ISA.
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

3 Years Fixed Rate Cash ISA

Great Customer Service

Quick application online, efficient replies and acknowledgement and easy phone contact, well run which is what you want from a bank

26th September 2016
2 Years Fixed Rate Cash ISA

Interest rate better than competitors

Online account registration was almost simple, barring a little indecision over the direct debit question for which I phoned for help. I wanted to know there was an alternative for one off payments, but the reminder that BACS was also a possible alternative was absent. Seemed odd offering monthly direct debit for what I thought was a fixed rate for a fixed sum.

26th September 2016 NPComplete
1 Year Fixed Rate Cash ISA

Happy customer

Spoke to a gent from aldermores customer service team, he was great talked me through what I needed to do, assisted with the process and was overall lovely. The process was easy (once I'd ironed out a few creases) and would definitely do it again.

26th September 2016
2 Years Fixed Rate Cash ISA

Both product and customer service are excellent

From the initial enquiry over the telephone to opening the account the transaction was completed with ease due to the helpful and knowledegable customer service staff and the simplicity of the paperwork. Aldermore offered the best interest rate for this product and were clear and concise in advising us. It feels like a breadth of fresh air dealing with a professional but freindly and helpful organisation.

26th September 2016
1 Year Fixed Rate Cash ISA

suited what i thought i wanted

Realised after when money was returned to my account that I had already taken out an isa for this year so thanks for the prompt return of money

25th September 2016 kayaker1948

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