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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 (2183 reviews)

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

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Coming soon....! Our great range of 2017/2018 Fixed Rate Cash ISAs will be available online from 6 April 2017

Please note applications for our Cash ISAs for the 2016/2017 tax year closed on 22 March 2017. If you still need to return documentation to complete your application, please make sure that we receive this along with your money by 29 March 2017.

  • 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
  • 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
  • Access – you can make withdrawals if you need to, subject to a deduction of interest
  • 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 14 calendar days from the date of application
  • 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 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, 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 we receive your opening deposit, and, if applicable, ISA transfer form within 14 calendar days of opening the account
  • 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 14 calendar days
  • You can make deposits up to £15,240 by Faster Payments, BACS, CHAPS, Standing Order or cheque from your nominated UK bank or building society account. You can also transfer existing ISAs from other providers into this account, up to the amount held. 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
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future


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
  • 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

*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 Cash ISA

Helpful supported service

I found the transfer of my ISA to Aldermore very straight forward. The only slight hitch I found was when I tried to add firther funds to my isa account from my bank account which could not be done in my account section on line. However the telephone support was very helpful and they explained how to set up a transfer from my bank account to my isa.

29th March 2017 Dotster
2 Years Fixed Rate Cash ISA

Straightforward Process

Aldermore were offering one of the best interest rates on cash ISAs. As always the process of opening an account was straightforward and quick. One very minor criticism - I had to read the terms and conditions and chose to print them out. I think a warning that they run to many pages might be useful. Otherwise no problems at all.

29th March 2017 John1849
2 Years Fixed Rate Cash ISA

Already Had good experiences with Aldermore

I found the system to be user friendly in the areas that I used. Any contact with people was a pleasure and without exception they were friendly, helpful, courteous, efficient and knowledgeable. Extremely helpful. Thank you

28th March 2017 Patch
2 Years Fixed Rate Cash ISA

Form filling on line

this was not as simple as initially I thought and if you are not competent at typing it was not difficult to be timed out and therefore have to start the whole process over again.

27th March 2017 Robert8
2 Years Fixed Rate Cash ISA

Fixed term cash ISA

I was looking for a new fixed term cash ISA to replace one which had recently matured with another bank. I had not used Aldermore before but the interest rates offered were competitive and I thought I would try them as an alternative. I was impressed with the very clear website.

27th March 2017 Brian47

Don't want a fixed rate?

Personal Savings

Easy Access Account

  • 4.6/5 (98 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 0.75% AER*

Personal Savings

Notice Accounts

  • 4.3/5 (10 reviews)

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

Up to 0.80% AER*