Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (910  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 Year1.501.491.50Open an Account
2 Year1.851.831.85Open an Account
3 Year2.001.982.00Open 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

869 out of 910 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • excellent service bowler21

    these isa's were what we were looking for and easy to open

       5/5

    29 Sep 2014
    bowler21

  • very professional fatman

    saw the product online paying more than any other on like for like applied for it online and the transfer was handled very quickly with absolutely no problems what-so-ever, and believe me , that makes a change !!!!!

       5/5

    29 Sep 2014
    fatman

  • Suited my needs perfectectly Anne54

    Very swift service, no hassle transferring another isa into account. Paperwork arrived fast, very pleased, and would recommend.

       5/5

    29 Sep 2014
    Anne54

  • Good and easy Cannyinvestor

    Online set up was very straightforward. ISA transfer from another supplier was completed in 3 days. Kept fully informed throughout the process.

       5/5

    28 Sep 2014
    Cannyinvestor

  • Very easy to deal with Mrgee

    The transition of an ISA from a-another bank ( offering a much lesser rate ! ) was found to be very easy with good communication from Aldermore. Aldermore chosen following search on internet

       5/5

    26 Sep 2014
    Mrgee

  • 1 year fixed rate cah ISA review CenturyC

    Because I had previous experience of transfering cash Isa to Aldermore for family member, I was confident procedure would be straightforward and speedy. This proved to be correct. This product has the best interest rate currently that I could find among trusted providers.

       4/5

    25 Sep 2014
    CenturyC

  • User friendly and great service Anita

    It's easy to compare rates but much harder to judge the service of a bank which is new to you. Aldermore offers those little touches which some others do not, for example a reply paid envelope to return documents or correspondence and a 7 days a week telephone line service.

       5/5

    24 Sep 2014
    Anita

Reviews for Fixed Rate Cash ISA 2 Year

  • Good experience. Eric15

    Simple changeover from existing ISA provider, no hassle and I was kept informed throughout. Many thanks.

       5/5

    29 Sep 2014
    Eric15

  • overall service quite good wissy

    It took too long to reply to my letters and documents and contact numbers were not that obvious for chasing up. But would invest in A again.

       4/5

    29 Sep 2014
    wissy

  • Straight forward and competitive Bay1

    I understood from the website that I could open this account over the phone but this was not the case. However when I did ring the person I spoke to was friendly and helpful and the appropriate forms and information arrived quickly. My account details have not yet been confirmed but so far all seems to be going well with good communication and no complications. The main reason I chose Aldermore was for the interest rate which is competitive.

       4/5

    26 Sep 2014
    Bay1

  • Opening an account was so easy Graham70

    I was extremely impressed with my first experience of opening an account with Aldermore. The forms were easy to complete and extremely quick to fill in. The response from Aldermore was rapid and within a few days of opening the account I received written confirmation with all the necessary passwords. First class Customer Service.

       5/5

    25 Sep 2014
    Graham70

  • Highly valued service Bazzaf

    I am a proactive saver and I have found Aldermore consistantly offer high interest rates to suit all situations.

       5/5

    24 Sep 2014
    Bazzaf

  • Easy fast service Hautdulac

    Easy process to follow. Helpful staff. Very competitive interest rate.

       5/5

    24 Sep 2014
    Hautdulac

  • very straightforward Fiona57

    I went for a bank with the best rate first and chose Aldermore. It was then the most straightforward process for opening an account I have ever had. It was also very clear 'what to do next' and 'how to pay' the money in etc. Very happy with the service

       5/5

    22 Sep 2014
    Fiona57

Reviews for Fixed Rate Cash ISA 3 Year

  • A very smooth transition Poundwatcher

    I chose Aldermore as they were offering the best interest rates. With great trepidation I gave instructions to transfer in an existing ISA. I was surprised how easy it was to do. It was completed within a few days and I was kept informed of progress as it happened. I truly could not have envisaged such good service. Hopefully they will stay ahead in the interest rate game and we can do more business.

       5/5

    24 Sep 2014
    Poundwatcher

  • Just what I was looking for!

    I found the 3 Year Fixed Rate Isa very easy to set up online and the staff were friendly and helpful on the queries I raised.

       5/5

    24 Sep 2014

  • Provided what I wanted. Cat7

    Opening and depositing money into my new account could not have been easier and all completed within seven days.

       5/5

    23 Sep 2014
    Cat7

  • speedy service

    Great web site with an easy to follow application form. everything worked first click and it only took 10 mins to make my application. Would deal with this company again.

       5/5

    23 Sep 2014

  • What I was looking for Timmie

    Given poor savings rates at the moment, I did an internet search on ISAs and Aldermore came near the top. A telephone enquire was dealt with quickly and helpfully about transferring from another provider, referring me to their on-line application service. Surprisingly, this turned out to be as simple and efficient as predicted. Confirmation of my account being opened came quickly both by email and post. So far, so good.

       5/5

    23 Sep 2014
    Timmie

  • Very easy to open the ISA account peewee

    Pleased with the ease of which I could open this ISA account being a new customer. Paperwork/e-mails received very quickly. Was able to go on line within days of opening to see my account.Would certainly recommend. Thank you

       5/5

    19 Sep 2014
    peewee

  • It was easy! peter40

    The rate is among the best and the transfer process quick and simple. My few questions were politely and efficiently answered.

       5/5

    19 Sep 2014
    peter40