Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (874  Reviews)
 

Nothing beats knowing your savings are protected – both from interest rate fluctuations and from the taxman. With our Fixed Rate ISA you get a great return thanks to our guaranteed interest rate and it’s tax-free too. From 1 July 2014, all ISAs have become New ISAs (NISAs) and your annual tax free allowance has increased to £15,000. 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 to make the most of the increase. This will be classed as one Cash ISA for the purposes of tax free allowances and HMRC reporting.

TermGross Annual Interest (%)Gross Monthly Interest (%)AER* (%)
1 Year1.651.641.65Open an Account
2 Year2.001.982.00Open an Account
3 Year2.252.232.25Open an Account

Key benefits to opening a Fixed Rate Cash ISA

  • 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 10 working 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

 Things you need to know

  • 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 10 working 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 ISA allowance is currently £15,000. You can save the whole allowance in cash, or in stocks and shares, or a combination of the two
  • 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

 

Managing your account with us is simple and straightforward. Check our
Key Features page for more information on how your account works.

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.

It’s easy to open an account

It’s easy convenient and secure. Open an account, complete identity checks and move your money in minutes. Any questions, simply

Contact us

Award Winning Cash ISAsConsumer Moneyfacts - Four time winner ISA Provider of the Year

We’re proud to be awarded ‘ISA Provider of the Year 2014’, the 4th year in a row we’ve won this award

View Awards

ISA Transfer

When you open your account, we’ll process your ISA transfer electronically if we can or we’ll provide an ISA Transfer Form for you to complete and return to us.

Ratings & Reviews

833 out of 874 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • I needed something simple Christine59

    I wanted to open a cash ISA but had no time to research the market or complete a lot of forms. As I already have an ISA with Aldermore and the rate offered was reasonable I chose a one year fixed rate option. All my personal details were on file and I only had to tick a few boxes and authorise a transfer and the transaction was complete. Very satisfied with the simplicity so will probably do the same next year.

       5/5

    16 Sep 2014
    Christine59

  • Excellent servie Mogsie

    Quick and easy transferring myISA from another provider

       5/5

    11 Sep 2014
    Mogsie

  • Just wat I was looking for Amokik

    I am very impressed, I made so many mistakes with the form but staff were great, contacting me straight away to resolve the matter in hand, Thank you.

       5/5

    11 Sep 2014
    Amokik

  • Competitive Rates and easy to deal with Solihull

    The interest rates were competitive for the product I wanted. Opening the account on-line was extremely easy and Aldermore kept me fully informed throughout the process

       5/5

    11 Sep 2014
    Solihull

  • Best rates on offer for various terms Soggy

    Extremely pleased with the rates on offer considering the present market conditions

       5/5

    10 Sep 2014
    Soggy

  • Everything I needed jaycee67

    Opened the account when I asked for it with no problem

       5/5

    10 Sep 2014
    jaycee67

  • Completely Satisfied Stephenc

    A simple no fuss approach,i have used Aldermore now for several investments and to date i am more than satisfied with my relationship with Aldermore.

       5/5

    10 Sep 2014
    Stephenc

Reviews for Fixed Rate Cash ISA 2 Year

  • Simple and efficient. The easiest ISA transfer ever! Dimps68

    Easy, straightforward and efficient. Telephone queries dealt with courtesy too. Brilliant!

       5/5

    16 Sep 2014
    Dimps68

  • Competitive Interest Rate ForestGirl

    The account I chose compared well with others and was one of the higher interest rates. Opening the account on-line was easy and the transfer from an existing ISA with another bank went smoothly and on time.

       5/5

    16 Sep 2014
    ForestGirl

  • Just what I was looking for. Gwen46

    This was a really good experience for me. Everything was very easy to follow and the account was set up really quickly. Well done Aldermore!!

       5/5

    15 Sep 2014
    Gwen46

  • Brilliant service, great experience Tiggerific

    I wanted to invest an ISA that was about to mature and wanted a safe haven that would bring me a half decent return. My husband had used Aldermore in the past and currently holds investment with them, so I thought I would give them a go. I'm a 'speak to' person, rather than a 'read it on the internet' person and so I rang to chat with a representative. I cannot praise the young lady I spoke with highly enough. She was polite, helpful, cooperative and enthusiastic about the product. She answered all of my questions and provided me with additional information, covering some issues I hadn't thought to ask about. Overall my impression at this very early stage was one of a professional organisation with a genuine interest in me. I was promised information through the post but decided to 'have a go' at an on line application as the person I spoke with encouraged me to do so, telling me it was very straightforward, but that I would always have the paper applications to fall back upon should I baulk at on line applications. I need not have worried, the application was SO simple and easy to complete and hey presto, within minutes I had my ISA opened and transfer arranged. The paper based forms arrived very quickly but of course I don't need them. Communications from Aldermore have been excellent, easy to understand and very reassuring. I am delighted with this organisation, so much so, I am about to transfer more funds to their ISA programme.

       5/5

    15 Sep 2014
    Tiggerific

  • Competetive rates and excellent service Kelly55

    I recently opened a 2 year fixed rate ISA with Alderman. The interest rate was the best available and it was easy and straightforward to open the on-line account. I'm delighted with the excellent customer service, when I have telephoned Alderman I haven't had to wait more than a minute for my call to be answered and each time the agent was friendly, knowledgeable and efficient. I'm very pleased to have discovered Alderman.

       5/5

    15 Sep 2014
    Kelly55

  • quick and efficient charli

    I chose this Isa because the interest rate was competive. The whole procedure was simple and only took 1 week from opening for the money to be transferred from another provider into this new account. I particularly liked that i was kept informed of the progress from start to finish.

       5/5

    14 Sep 2014
    charli

  • Gave me an easy transition of funds Mojo

    Having read the information on setting up and transferring funds it exactly replicated them on line. As a novice on the internet it was exactly what I was looking for. Thought the time scale was right in ensuring all security angles were covered - about 2-3 weeks in total. Thank you.

       4/5

    13 Sep 2014
    Mojo

Reviews for Fixed Rate Cash ISA 3 Year

  • Competitive rates, good service Saver25

    I tried to open an account with Aldermore online but had a problem with the password, so I telephoned them and it was sorted out quickly and efficiently. I received confirmation of both of my accounts by post quickly, and I am very happy with the customer service. I would have given an overall rating 5 except for the online problem

       4/5

    14 Sep 2014
    Saver25

  • Ideal & competitive Alan

    Looking for a competitive fixed rate Isa over 3 years and this suited. Very quick and easy to open - perfect.

       5/5

    14 Sep 2014
    Alan

  • Relatively smooth transaction CambyCelt

    Happy with account opening process. Was slightly disappointed that I cannot add to the account on a monthly basis through to end of ISA year on April 4.

       4/5

    12 Sep 2014
    CambyCelt

  • Fine in all respects MS2014

    Simple and straightforward. Good custiomer service.

       5/5

    12 Sep 2014
    MS2014

  • Great Experience Kaddy64

    Opening a 3 Year Fixed ISA account was very easy, and when I rang customer services to clarify a few points, I didnt have to wait an eternity and was given clear and concise answers. It really is a shame they dont have the full range of financial services.

       5/5

    12 Sep 2014
    Kaddy64

  • Suited my needs perfectly Peter47

    I was attracted to the 3-year fixed rate NISA by the interest rate which pays a full half a per.cent more than my current provider.The transfers into my new Aldermore account from both my current account and my existing NISA were done swiftly and efficiently with no bother at all.

       5/5

    10 Sep 2014
    Peter47

  • OK, but fund transfer slow and restricted Susan10001

    Opening the account was OK but transferring funds is very slow due to the need for a linked ESave account and a single deposit sum. It would be better to allow internet fund transfer but this was not possible due to a limit on the transfer amount from my bank. I would have thought that multiple payments into the Esave account would be OK, with a single transfer to the base rate linked account when it is opened. At this point I am still waiting for my accoun to be openned and for a welcome pack!

       3/5

    10 Sep 2014
    Susan10001