Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (819  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

781 out of 819 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • 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

  • Have other products that we have been happy with. Mutleysdad

    Having researched the history of this bank, we wanted a bank that is a forward thinking organisation and is capable of being independent in it's practices. We would recommend this bank for the confidence that it provides.

       5/5

    26 Aug 2014
    Mutleysdad

  • Easy to arrange Athenais

    Already having an account with Aldermore, it was simplicity itself to set up a fixed term ISA and I received confirmation of this very quickly.

       5/5

    25 Aug 2014
    Athenais

  • Suits my needs at the moment Super43

    The transfer in of my cash Isa was very quickly with no problems.

       5/5

    25 Aug 2014
    Super43

  • Excellent service llama

    Very helpful ,efficient, friendly and well informed staff. Made what can be a 'minefield' really easy. Product comparable to market average. THANK YOU ALDERMORE!

       5/5

    25 Aug 2014
    llama

Reviews for Fixed Rate Cash ISA 2 Year

  • 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

  • Just what I was looking for. Chrissy56

    I was looking for a good fixed rate ISA and Moneysupermarket rated Aldermore as one of the top. I had never heard of you but read other reviews and had a look at your website. I liked the very easy set up process online and decided to send a cheque to open my account. Within a few days I had received confirmation that my account was open and direct debit set up. This all seemed very straightforward. I will certainly look out for other Aldermore products in the future and would have no hesitation in recommending you.

       4/5

    26 Aug 2014
    Chrissy56

  • Aldermore not a normal Bank Fundy

    I am pleased to be able to deal on-line efficiently and effectively without having to step into a High St branch and deal with people who seem to change like the weather! Questions are easily answered by a very efficient message system and normally within a few hours. I have recommended Aldermore to my son and his children as the rates are better than the big four!!

       5/5

    26 Aug 2014
    Fundy

  • Great to be able to do an ISA transfer on line

    The ability to do ISA transfer on line for existing savers is a good step forward and was a decisive factor in this latest investment despite Aldermore not having the highest return. However, the amount of post account opening paperwork for existing investors continues to be a drag . A 'no paperwork' option would be good or, at least, discover the back to back option on your printers. Finally, this product cannot be recommended currently as the rate is offered now for a one year FRISA by the YBS.

       4/5

    26 Aug 2014

  • Very impressed so far Polly1

    I was surprised how quick and smooth the process was. I moved an existing ISA to Aldermore and it arrived in my account in 2 days!! I then topped up for this years allowance and was able to see all of the transactions immediately. I had a small issue with the online account opening process but spoke with Aldermore by phone and everything was very quickly sorted out. Well done and hoping this is the template for the future.

       5/5

    25 Aug 2014
    Polly1

Reviews for Fixed Rate Cash ISA 3 Year

  • 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

  • Easy to use website and good rates catsmum

    I also rang the help line and the person was friendly and informed - so far so good. I now have two accounts with them.

       4/5

    22 Aug 2014
    catsmum