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Fixed Rate Cash ISAs

Nothing beats knowing your savings are protected. Fixed Rate ISAs give you a great return thanks to our guaranteed interest rate and it’s tax-free too.

'Winner' – ISA Provider of the Year for the 5th year running
Consumer Moneyfacts Awards 2011-15

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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*
Apply
Term
1 Year
Gross Annual Interest
1.50%
Gross Monthly Interest
1.49%
AER^
1.50%

How the SME Rate Checker works

Simply search for the type of account you have using the form below, enter your balance and in a matter of seconds we’ll give you your rate. It’s as easy as that.

We'll present you with the rate of interest you’re being paid along with an indicative balance including interest after 12 months.

*Required field

Please select your bank or building society from the names listed in the drop down menu

 

Please enter the type of business savings account you have e.g. Fixed Rate

 
£

Please enter the business savings balance you wish to check

 

If you are unsure of your account name you will need to check with your current provider

 
Term
2 Year
Gross Annual Interest
1.75%
Gross Monthly Interest
1.74%
AER^
1.75%

How the SME Rate Checker works

Simply search for the type of account you have using the form below, enter your balance and in a matter of seconds we’ll give you your rate. It’s as easy as that.

We'll present you with the rate of interest you’re being paid along with an indicative balance including interest after 12 months.

*Required field

Please select your bank or building society from the names listed in the drop down menu

 

Please enter the type of business savings account you have e.g. Fixed Rate

 
£

Please enter the business savings balance you wish to check

 

If you are unsure of your account name you will need to check with your current provider

 
Term
3 Year
Gross Annual Interest
1.85%
Gross Monthly Interest
1.83%
AER^
1.85%

How the SME Rate Checker works

Simply search for the type of account you have using the form below, enter your balance and in a matter of seconds we’ll give you your rate. It’s as easy as that.

We'll present you with the rate of interest you’re being paid along with an indicative balance including interest after 12 months.

*Required field

Please select your bank or building society from the names listed in the drop down menu

 

Please enter the type of business savings account you have e.g. Fixed Rate

 
£

Please enter the business savings balance you wish to check

 

If you are unsure of your account name you will need to check with your current provider

 
  • Peace of mind - tax-free interest rate, fixed for a set period and we will personally write to you before your account matures
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Maximise your tax-free allowance – 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 ensure that any ISA Transfer Forms are returned within ten business days of opening the account
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Open an account with just £1,000
  • Flexible - withdraw cash early if you need to (subject to interest deduction)
  • Easy to manage - do it online, by phone or by post
  • Great value - no fees or charges for day-to-day account services
  • Your annual tax free allowance for the 2015/2016 tax year is £15,240. You can save the whole allowance in cash or in stocks and shares or a combination of the two.
  • You can split your allowance between any of our cash ISA products.  This will be classed as one cash ISA for the purposes of tax free allowances and HMRC reporting.
  • Once you've made your opening deposit, you won't be able to make any more deposits.  You can transfer in an ISA held with another provider at account opening stage only. When sending the opening deposit by cheque, please ensure that any ISA transfer forms are returned at the same time. If the opening deposit is made by another method, please ensure that any ISA transfer forms are returned within ten business days
  • Early withdrawals will be subject to a deduction in interest
  • We guarantee to pay the interest rates shown (or the higher rates if we have increased them) provided that we receive your completed account opening form and initial deposit within ten business days. After this time, we will pay the prevailing rate on the day that we receive your application
  • 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 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 statement at any time and we will make a Section 975 Certificate 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 statement and Section 975 Certificate 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 - either via our UK-based call centre on 0345 604 2678, 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
  • When your account matures, we'll write to you personally with a simple, easy-to-understand guide to all your maturity options 
Tax Interest is paid gross (without tax taken off)
Minimum deposit £1,000
Maximum deposit 2015/2016 tax allowance - £15,240 (subject to HM Revenue & Customs rules). Transfers from another provider  - unlimited (subject to HM Revenue & Customs rules)
Minimum additional deposit No additional deposits permitted. You can transfer in an ISA held with another provider at account opening stage only.
Withdrawals Early withdrawals permitted 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.
Paying money in Direct Debit, Transfer from another provider, BACS, Cheque, Faster Payments, Standing Order, CHAPS
Number of account holders 1
How we calculate interest Interest calculated daily. Applied to your account monthly or annually
Payment of interest Paid to your account, another Aldermore easy access or notice account; to a UK bank or building society account in your name(s)
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 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

1 Year Fixed Rate Cash ISA

Mixed feelings

Both my wife and I opened new ISA's, we both had problems partly our fault but also Aldermore's fault. My wife had money taken from account she had identified as account for interest to go to. On my account I requested move money which my bank rejected but until that point nobody had said I could just transfer money myself direct from my bank account - ended up being very complicated and stress full. However Gary in ISA dept. very helpful.

27th August 2015 Mandy
1 Year Fixed Rate Cash ISA

Simple and straigtforwad with competitive rates

Opening an account was easy and response was quick. I have used Aldermore for my Business and have always found them to be efficient both on the telephone and electronically when funds mature. I had no hesitation therefore in opening my first personal account with them.

26th August 2015
2 Years Fixed Rate Cash ISA

Changing circumstances made this product a very suitable choice.

As always the admin was clear and helpful and made the arrangements very straightforward

21st August 2015 Patsy2
2 Years Fixed Rate Cash ISA

ISA transfer simplicity itself

The ease of setting up the account and arrangement to transfer an underperforming ISA was simplicity itself. The whole process was completed in less than a week (a complete contrast to all the bad press some ISA transfers have received). Logging in to view the account is also straightforward.

20th August 2015 rowan3
2 Years Fixed Rate Cash ISA

Service as good as ever

I had previously transferred funds to Aldermore and that proved to be a painless exercise, so when the time came to shift further funds Aldermore was one of two providers that I had in mind. The other provider had a slightly higher interest rate but certain conditions relating to the account and the poor service relating to my enquiries made it a non starter. Aldermore on the other hand dealt with my enquiries swiftly and clearly and offered a less restrictive account, so Aldermore won the day. The account was opened without fuss or delay. Aldermore are very professional and I appreciate that quality. Well recommended and will use again.

18th August 2015 Baz1

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