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Fixed Rate Cash ISAs

Let’s get earning and protect your savings from the taxman. Our Fixed Rate Cash ISAs give you guaranteed interest rates over a choice of fixed terms.  And all of the interest you earn is tax free and doesn’t count towards your Personal Savings Allowance.

  • 4.6/5 (2523 reviews)

Average customer review for all our Fixed Rate Cash ISAs products.

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FSCS ProtectedWhen you save with Aldermore you have the added peace of mind that comes from knowing your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Please bear in mind that any deposits you have above the limit are unlikely to be covered.

Fixed Rate Cash ISAs

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Term
1 Year
Gross Annual Interest
1.40%
Gross Monthly Interest
1.39%
AER^
1.40%
Open an Account

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Term
2 Year
Gross Annual Interest
1.65%
Gross Monthly Interest
1.64%
AER^
1.65%
Open an Account

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Term
3 Year
Gross Annual Interest
1.80%
Gross Monthly Interest
1.79%
AER^
1.80%
Open an Account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

We apologise for any inconvenience. Please try again later.

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  • Maximise your ISA allowance – you can split your ISA allowance between any of our Cash ISA products, as long as you don’t exceed your annual ISA allowance. For example, you could open a Fixed Rate Cash ISA with the money you are able to lock away, and also open a Notice Cash ISA in case you need to access some of your savings. This would be classed as one Cash ISA for the purposes of HMRC reporting
  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period and we’ll personally write to you before your account matures
  • Access – you can make withdrawals if you need to, subject to a deduction of interest
  • Transparent – our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy set up – open an account, complete identity checks and move your money in minutes
  • Cooling off period - if you change your mind within 14 calendar days of opening your account, we’ll cancel your account and return your money without penalty or notice
  • 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 make sure that any ISA Transfer Forms are returned within 14 calendar days from the date of application

 

Please read the  Fixed Rate Cash ISAs Summary Box and Personal Savings Terms and Conditions before you open an account 

  • You’ll need to provide us with details of a UK personal bank or building society account to link to your Aldermore account. You should be named as an account holder on this account and the account should accept Faster Payments, CHAPS and BACS. To help us keep your money safe and protect against fraud, we’ll only accept deposits from this account and we’ll always send money back to this account, for example when making payments of interest or at maturity. Payments to us from any other account will not be accepted and will be returned, except where these are received by transfer from another ISA provider  
  • Your annual ISA allowance for the 2018/2019 tax year is £20,000. You can save the whole allowance in cash, in stocks and shares, in an innovative finance ISA, in a Lifetime ISA or in any combination of these permitted  ISA types.
  • We only provide cash ISAs. If you are considering encashing a stocks and shares ISA, you should consider seeking independent financial advice to ensure this meets your circumstances.
  • We guarantee to pay the interest rates shown provided a deposit is paid into the account within 14 calendar days of the account being opened. If the interest rates have increased by the time the first deposit is received, you’ll automatically receive the higher rate
  • You can transfer in an ISA held with another provider at account opening stage only. Please make sure that any ISA transfer forms are returned within 14 calendar days
  • You can make deposits up to £20,000 by Faster Payments, BACS, CHAPS or Standing Order from your nominated UK bank or building society account. You can also transfer existing ISAs from other providers into this account, up to the amount held. You have 14 calendar days from account opening to make as many deposits as you like. After this period no further deposits are permitted
  • Interest will be earned from the date on which we receive your money
  • You can make unlimited withdrawals, subject to a deduction of interest (90 days for 1 year, 180 days for 2 & 3 years)
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future


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.

Managing your account with us is simple and straightforward - and we're always on hand to help if you've any questions. Here's how it works:

  • Once you’ve opened your account with us, we'll send you a Welcome Letter and your Customer ID, which you should usually receive within five business days. When you log in, we'll give you all the information you need to make the most of your new account
  • You can log into your account to view and print a transaction statement at any time and a Summary of Interest will be available in internet banking shortly after the start of each tax year
  • Want to check your account details and rates? Just login whenever you like
  • Contact us whenever you need to – via our UK-based call centre on 0345 604 2678, by logging into your account and sending us a secure message or by emailing service@aldermoresavings.co.uk. Click here for our opening hours
  • No need to worry about bonus rates dropping off. There are no hidden bonuses or introductory offers - just consistently competitive rates
  • Your account will mature on the anniversary of the date we receive your opening deposit. We’ll write to you personally a few weeks earlier with a simple, easy-to-understand guide to all your maturity options

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

Latest Rating and Reviews

3 Years Fixed Rate Cash ISA

Excellent Service

Everything as promised by Aldermore . It was simple to open my account and any other work was done by Aldermore. Thank you for a pleasant experience

16th August 2018 Starman
1 Year Fixed Rate Cash ISA

Easy to set up short term cash ISA matching all current rates.

As a retired person most of my funds are in longer term investments but I like to keep a more accessible emergency reserve, such as a cash ISA. My previous ISA provider had significantly lowered the interest rate and Aldermore's was as good as any around. I applied online to transfer the bulk of my reserve to a new Aldermore ISA and the whole process was completed in about five days - far better than I expected. The online process is so simple and trouble free that I would recommend it to anyone. Brilliant so far, but it will be interesting to see if I have to move again for a better rate in a years time.

15th August 2018 Bodger
3 Years Fixed Rate Cash ISA

Lost in translation!

I was trying to transfer an ISA from another bank. Completed opening of account on 7.7.18. Maturity date was 31.7.18. The other bank say they did not receive a request for transfer of funds on maturity & Aldermore closed the account. Tried again - New ISA account opened, nothing happened. after numerous phone calls to Aldermore and other bank transpires addresses did not match (One had my address as POA and the other had Mum's address in Care Home) I felt like 'piggy in the middle'. Finally Aldermore did agree to speak to other bank and corrected the anomaly. I am still waiting for the funds to be transferred. I do feel that Aldermore are now 'on the case' and am optimistic that the new ISA will soon be funded.

14th August 2018
1 Year Fixed Rate Cash ISA

Highly recommended

The Aldermore Bank offer competitive interest rates and the customer service is very good It was also very easy to open the account I would definitely recommend Aldermore to anyone considering an ISA

14th August 2018 Vanda
2 Years Fixed Rate Cash ISA

Challenging start to the 2-year voyage

Having consulted the advice on review-writing, here beginneth the review. I shall try to stay "focused" - this how "I" prefer to spell the word! Aldermore consistently offers competitive interest rates. Savings are covered by the FSCS. Savings can be opened online with a minimum of fuss. Account opening was challenging and frustrating for me. Getting too old to navigate a website accurately? I wanted to open an account by transferring a Stocks and Shares (S&S) ISA but was asked for bank details which I considered not applicable. Or do I have autistic tendencies? I decided to open by transferring cash and S&S ISA. But the website seemed to want cash ISAs only. So I opened an account with cash only! Finding the transfer-in form was made easier by phoning Aldermore - but a second phone call! Surely the first call should have been enough to tell me that I could find transfer forms by navigating appropriately from the home page? I made a mistake with my account number and then noticed it was a 'Help to Buy ISA' transfer form. Printed off another "ordinary" ISA transfer form and sent it off. Emailed Aldermore with an explanation which they acted on wonderfully and sympathetically. Misleading details on the web for opening an account or faulty wiring in an ageing brain? Everything came good in the end. Secure information was sent by email and confirmed by letter. Transfer of the S&S ISA was efficient and confirmed likewise. Despite the recent increase the the Bank of England base interest rate, rates for savers are unlikely to leap up and saving with Aldermore may still be worthwhile. So despite choppy waters when leaving port, I now look forward to a calm and prosperous voyage despite an uncertain economic climate!

10th August 2018 Keith37

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