Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (828  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

790 out of 828 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • Good experience with first account Mikelea

    This is my first account with Aldermore and so far everything has gone very smoothly. The account has a good rate and it was very easy to open.

       5/5

    30 Aug 2014
    Mikelea

  • Fixed Rate ISA Granjan

    Very impressed with everything from start to finish. Kept up to date with all stages of the transactions. Would not hesitate in recommending and will certainly be opening future accounts.

       5/5

    29 Aug 2014
    Granjan

  • suited the financial product I was looking for HM111

    I find the website easy to navigate, the products well suited to my financial needs, The follow up in terms of paper work is swift and efficient and written in good understandable language. While I conduct this business on-line I have had occasion to call Aldermore and found the staff most helpful.

       5/5

    29 Aug 2014
    HM111

  • Needed A 1-Year ISA netalyst

    Overall rating would have been 5 stars if Aldermore had broken new ground & offered Savers a rate that at least beat inflation. As has been said, simple & quick to deal with when it comes to opening an account. I cannot comment further as (I imagine) the next time I have any dealing with Aldermore, it will be to move/increase my investment, based simply on their interest rates.

       4/5

    28 Aug 2014
    netalyst

  • The application process was really straightforward. Percy93

    I can't believe how simple the whole process was! All I had to do was complete the application form, provide the account details of the bank I wanted my deposit paid from and the account details of the ISA I wanted transferred and everything was done for me - simple!

       5/5

    27 Aug 2014
    Percy93

  • Clear, straightforward, transparent Pavlos

    Dealing with Aldermore has proved simple and straightforward. In the context of the current bank rate, the interest rate offered by Aldermore is above average. I'm well satisfied.

       5/5

    27 Aug 2014
    Pavlos

  • Excellent Gilly56

    This change to Aldermore was so stress free, actually still can't quite believe it. Good rate and excellent service

       5/5

    27 Aug 2014
    Gilly56

Reviews for Fixed Rate Cash ISA 2 Year

  • Good Choice Pisces

    Recently, a fixed-rate ISA I had with another provider was approaching maturity, and as the interest rate to continue with this USA wasn't up to much, I decided to move it. I already have accounts with Aldermore and, although I could have found a higher rate of interest, I knew from previous experience that everything would run smoothly. I opened a new ISA for 2014 and asked for the funds from the matured ISA to be transferred to Aldermore. Everything was done in an efficient professional manner and I was kept informed at every step.

       5/5

    31 Aug 2014
    Pisces

  • No messing, no problems,good service, perfect. Nigel11

    As with all investments I looked around for the best rates available. I know interest rates are low and at times I think I could do better things with my money. I see it as being able to build on my cash Isa savings so that I benafit when the interest rate improves. Checked out Aldermore and was impressed with what I found. Has to be the most easy and quickest time I have opened a new Isa account. Have recommended Aldermore to others already.

       5/5

    30 Aug 2014
    Nigel11

  • Great product. Timbo30

    Simple, straightforward to open, no problems with transferring existing ISAs into new Aldermore ISA. Would highly recommend this company.

       5/5

    29 Aug 2014
    Timbo30

  • So easy and quick Tish

    Afer having money sitting in an ISA with very low interest, I kept meaning to move it when I read an article in the Mail and they recommended Aldermore. I immediately went online and transferred my old ISA and added the new limit to a 2 year fixed. It was done in minutes Well done I just wish I had bothered sooner.

       5/5

    29 Aug 2014
    Tish

  • Great process, great system and very easy to use Anon

    I recently used the electronic ISA service to switch an existing ISA from another provider to Aldermore. It couldn't have been easier, simple or more straightforward. Compared to other providers this was an excellent experience.

       5/5

    27 Aug 2014
    Anon

  • A pleasant, efficient, speedy service. Marguerite

    I got off to a bad start by being twice frustrated with my on line application. However, I persevered and rang Aldermore - and from then on opening the account was plain sailing. Staff were pleasant and very helpful - all the transfers and admin done by Aldermore was extremely speedy and efficient and I was kept informed at every stage. My one gripe would be that during the process I received probably five letters from Aldermore, which could easily have been amalgamated to one or two max. Some of these letters were a waste of time and money - Emails would have been sufficient.

       4/5

    27 Aug 2014
    Marguerite

  • Hassle free KittySE

    I opened a NISA account on line. I also transferred in 2 previous ISAs, all of which was very speedily accomplished. The 2 year fixed rate was better than most.

       5/5

    26 Aug 2014
    KittySE

Reviews for Fixed Rate Cash ISA 3 Year

  • Reasonable rate, but process a bit clumsy helen1066

    I had a variable rate ISA which I wished to convert to fixed rate. There was no obvious way to do this online. I telephoned to try and do it over the phone and was told I would have to open the ISA online, then call back to get the old one transferred across. Trying to open the new one, the system would not let me as it kept reverting to my existing account, so I had to pretend I was a new customer, open it that way, then link to my old account, then telephone to get the transfer done - a very long-winded and not very customer friendly system! This is a shame as up to now I have always supported Aldermore, ever since you started, and I would certainly recommend your products.

       4/5

    28 Aug 2014
    helen1066

  • Easy to set up on line, good on line access & viewing Brillo

    Will be able to tell you more in 3 years time of how well Aldermore perform.

       4/5

    27 Aug 2014
    Brillo

  • Good offering BMan

    With current interest rates available from most of the obvious/usual providers being relatively poor, this offering from Aldermore for a 3-year account seemed pretty good.

       5/5

    25 Aug 2014
    BMan

  • Excellent Mike194

    Easy to set up and transfer funds in from existing provider.

       5/5

    25 Aug 2014
    Mike194

  • Easy to open, easy to talk to, good value. steve5652

    It was simplicity itself to open and communicate about the 3 year fixed rate ISA- and the interest rate was better than most. My only gripe is that I wanted to transfer in 2 other ISAs but was told i should have done this BEFORE opening the account-how can you do this WITHOUT an account? Overall, a good find.

       5/5

    23 Aug 2014
    steve5652

  • good rates for what i was looking for. paddy

    Very easy to open both accounts. Efficient with sending out confirmation documents.

       5/5

    23 Aug 2014
    paddy

  • Easy Peasy! Soottee15

    All the way through the process it was easy. Everything was written in plain English with no unecessary waffle. Therefore I was happy to follow through the application on-line and it all went to plan. Would definitely use Aldemore again if the rates were right for my needs.

       5/5

    22 Aug 2014
    Soottee15