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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 (2263 reviews)

Average review for all our Fixed Rate Cash ISAs products

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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
1.00%
Gross Monthly Interest
1.00%
AER^
1.00%
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

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
1.25%
Gross Monthly Interest
1.24%
AER^
1.25%
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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  • 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  Fixed Rate Cash ISAs 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, except where these are received by transfer from another ISA provider  
  • Your annual ISA allowance for the 2017/2018 tax year is £20,000. You can save the whole allowance in cash, in stocks and shares, in an innovative finance ISA, in a Lifetime ISA or in any combination of these permitted  ISA types.
  • We only provide cash 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 £20,000 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

2 Years Fixed Rate Cash ISA

well organised system went well

Once got initial application filled then process very successful and easy.

21st July 2017 aldermore
2 Years Fixed Rate Cash ISA

Easy on line set up for a new ISA

Easy on line set up for a new ISA.. Confirmation of set up by Aldermore was speedy and efficient.

19th July 2017 DJAF
2 Years Fixed Rate Cash ISA

Good value and very easy

Excellent service and value! I opened a fixed rate cash ISA account with Aldermore Bank on-line. I do not want to risk my capital, and my options are rather limited as a result. Aldermore provided one of the best values for money (highest interest with a relatively short fixed rate period) in the whole UK cash ISA sector. The account opening procedure was very simple, and the account was up and running next day. The transfer of funds from my old cash ISA (with another bank) was a breeze and I did not even have to contact my old bank; the transfer was complete in 3 business days. It was very simple to make subsequent on-line changes to my account. I am extremely satisfied and only wish all other banks had the same level of organisation and automation.

16th July 2017 sci4prof
1 Year Fixed Rate Cash ISA

Just what I was looking for

Wanted 1year fixed isa with some return. Simple account 2 set up. Had forgotten password from previous account but easily sorted out with a phone call.

13th July 2017 Ian712
2 Years Fixed Rate Cash ISA

Eventually OK

Found it took ages filling out form. Was sent the wrong form for signature but eventually all sorted.

11th July 2017 Difficult

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