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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 (2031 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
0.95%
Gross Monthly Interest
0.95%
AER^
0.95%
Open an account

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Term
2 Year
Gross Annual Interest
1.15%
Gross Monthly Interest
1.14%
AER^
1.15%
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
1.20%
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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  • 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 £75,000

 

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 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 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 Summary of Interest will be available in internet banking shortly after the start of each tax year. If you open an account by post, we will send your transaction statement and a Summary 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

*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

could do better

Too many forms, not really interested in talking to you in person Definitely want you to work on line and every question asked was given a minimum answer

9th December 2016 Olboy
1 Year Fixed Rate Cash ISA

Investment made simple

I did an ISA transfer for competitive rate offered by Aldermore. Simple to complete on line. Kept updated on transfer which was completed in under a week. Promptly confirmed in the post. Initial service has been impressive.

9th December 2016 Eagles
2 Years Fixed Rate Cash ISA

Best of a bad bunch

All savings rates are rubbish at the moment but the Aldermore rate was one of the best and the service was good.

9th December 2016 Keith171
2 Years Fixed Rate Cash ISA

quick and easy to transfer from another provider

2 year fixed rate ISA is very competitive in todays poor market. It was easy to open and arrived in less than a week from start to finish. I highly recommend this product.

9th December 2016 spammo
1 Year Fixed Rate Cash ISA

Excellent

Straightforward,easy to apply, quick and friendly customer service that I have not found with other companies. Used in the passed and whilst may not be the best interest rates the web site,service you get it is worth taking a small drop in financial gain.

7th December 2016

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