Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (765  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

728 out of 765 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • Quick and simple transactions

    The one thing that the older generation want is honesty,simplicity and feeling "looked after" The telephone connects quickly and directly with the Aldermore operator unline many "service"industries that keep you hanging on for hours. Why bother with so called "Comparison Sites" when you can get a good deal from this company straight away. I wonder if they will offer" Loyalty Shares" when they go "listed" on the LSE?

       5/5

    20 Aug 2014

  • Previous good treatment Lucylocket

    Having had accounts with Aldermore previously and pleased with management of those, I had no worries about opening another account. The reason I opened one again was because it was the best interest rate available at that time.

       4/5

    19 Aug 2014
    Lucylocket

  • Satisfaction cris3

    My husband had had an ISA with Aldermore previously and had been very satisfied. For this reason and that the current rates suited my needs and were comparable with or better than other providers, I decided to transfer my ISA to Aldermore. The process was simple and efficient.

       4/5

    19 Aug 2014
    cris3

  • Straight Forward marf

    Brilliant and just what I was looking for. Very easy to set up.

       5/5

    13 Aug 2014
    marf

  • First Class Robert13

    Process in opening this fixed rate ISA was simple and efficiently dealt with by the guys at Aldermore. I was kept informed of progress in transferring funds from my old provider every step of the way. Thank you.

       5/5

    11 Aug 2014
    Robert13

  • Product just what I wanted Norman52

    Aldermore's 1 year fixed rate cash ISA was recommended by Which? as a Best Rate cash ISA. As my previous fixed rate cash ISA with another provider had just matured, I had been looking for a new home for my savings. Opening the account was very simple and quick and everything was explained clearly. I am very happy with my new ISA and would recommend it to anyone.

       5/5

    11 Aug 2014
    Norman52

  • Very straightforward and simple to set up Bob61

    Wanted a new one year ISA with a decent monthly paid interest rate. I found the site very easy to use with good tips and a gread help section. I was so impressed that I even took a second product, a 30 day notice account.

       5/5

    08 Aug 2014
    Bob61

Reviews for Fixed Rate Cash ISA 2 Year

  • Best on the market Ivan5028

    Easy to set up a new account, the staff were cheerful and helpful. Best rates for the short future.

       5/5

    19 Aug 2014
    Ivan5028

  • Excellent service Richard339

    Very easy to transfer my ISA from an alternative provider.

       5/5

    19 Aug 2014
    Richard339

  • Web-site and telephone customer service are excellent. ChrisF

    Recently transferred 3 separate ISA's into one new Aldermore ISA and the process was simplicity itself and completed within a few days. The complete antithesis of newspaper horror stories. The telephone customer service is obviously based in the UK and calls are answered quickly and efficiently. Great example of how a modern bank should perform.

       5/5

    19 Aug 2014
    ChrisF

  • Excellent service Jan45

    Best and easiest way I have found to transfer an existing ISA online.

       5/5

    18 Aug 2014
    Jan45

  • Very quick and efficient. Antelope

    A lo easier to open the account than my experience with other banks. Seems very well run, and uses good clear English.

       5/5

    14 Aug 2014
    Antelope

  • Simplicity itself Bruin

    This was such a quick and simple process that I thought it must be a joke when I got notified that my account was opened and the money already transferred from another ISA provider and all within a day of the end of the previous contract. Brilliant.

       5/5

    09 Aug 2014
    Bruin

  • Excellent service and product Nana2137

    I had not heard of Aldermore until recently. I opened a fixed rate Isa which filled my needs perfectly. I look forward to investing in another Isa soon and live in hope that the interest rate will match that of the fixed rate Bond which has recently increased.

       5/5

    08 Aug 2014
    Nana2137

Reviews for Fixed Rate Cash ISA 3 Year

  • best fixed rate cash isa with a transfer of existing isa bernie4

    we already have an account with Aldermore and have been very pleased with the service provided. every detail is dealt with in a professional manner.

       5/5

    19 Aug 2014
    bernie4

  • Simple and easy transfer of funds Allypally

    Slightly surprised to find that my ISA funds were transferred before my account was officially opened. Apart from that the opening and transfer were extremely simple and speedy. Many thanks.

       5/5

    19 Aug 2014
    Allypally

  • Best rate on offer Soggy

    Excellent service easy to open account highly recommended

       5/5

    19 Aug 2014
    Soggy

  • The easiest account I have opened. silversurfer63

    I found the online system very user friendly. It was one of the simplest account openings I have ever done and the transfer of my old ISA to this new one was done without any fuss and very quickly. I would certainly recommend Aldermore to my friends.

       5/5

    19 Aug 2014
    silversurfer63

  • So simple Margie

    A product that offers a good rate is an attraction, coupled with the ease of doing business is worth every attention.

       5/5

    19 Aug 2014
    Margie

  • Simple clear and efficient process Raeburn

    Product met my needs and the opening/set up process was as good as I have come across

       5/5

    19 Aug 2014
    Raeburn

  • transfer completed ricky2000

    The transfer of two ISA`s from other providers went through very smoothly

       5/5

    19 Aug 2014
    ricky2000