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 (1992 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.

Coming soon...! Our great range of 2018/2019 Fixed Rate Cash ISAs will be available online from 6 April

Please note applications for our Cash ISAs for the 2017/2018 tax year closed on 21 March. If you still need to return documentation to complete your application, please make sure that we receive this along with your money by 28 March.

  • 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 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 2017/2018 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. When sending the opening deposit by cheque, please make sure that any ISA transfer forms are returned at the same time. If the opening deposit is made by another method, 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, Standing Order or cheque 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
  • For deposits received via Faster Payments, BACS, CHAPS or Standing Order, interest will be earned from the date on which we receive your money and for deposits received by cheque, interest will be earned from the second business day after receipt
  • You can make unlimited withdrawals, subject to a deduction of interest (120 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 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

1 Year Fixed Rate Cash ISA

Met all our criteria.

Various fixed term options at decent rate of return. Accepted transfers in. Application process simple and quickly processed.

18th March 2018 WeeArchie66
2 Years Fixed Rate Cash ISA

Awkward and complex process. Overly bureaucratic. Unhelpful processes.

The whole process was awkward and unhelpful, from the security questions that are vague, non specific and impossible to remember with unhelpful limitations on character numbers, to the ISA tranfer forms that could not be retrieved electronically for download and printing. Just not designed for a good customer experience. I ultimately abandoned the process and cancelled my account. Even this feedback form is ridiculous. A nickname? Really?? And the drop down boxes don’t work on iPhone. Just a shambles.

18th March 2018 Jock1234
1 Year Fixed Rate Cash ISA

Quick and Easy

Matured ISA moved from previous provider to new ISA account at Aldermore all done in 5 days. Excellent service.

16th March 2018 Jackie10
1 Year Fixed Rate Cash ISA

ISA suited my needs perfectly

Website clear and easy to navigate to see the appropriate product. Account opened quickly and ISA transfer from another provider executed swiftly and trouble free.

16th March 2018 Crane
1 Year Fixed Rate Cash ISA

Easy on-line operation

Opened a cash ISA on-line. All instructions were clear and concise and the whole process only took a few minutes.

15th March 2018 Joh50

Don't want a fixed rate?

Personal Savings

Easy Access Account

  • 4.5/5 (140 reviews)

Our Easy Access Account makes things as easy as possible.  You get a great interest rate and total flexibility to withdraw your cash or add to your savings pot whenever you like.

Up to 1.00% AER*

Personal Savings

Notice Accounts

  • 4.1/5 (18 reviews)

Our Notice Account helps you save in the way that suits you.  You can add to your savings whenever you like, and you have the flexibility of being able to access your money if you need it in the future.

Up to 1.05% AER*