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.

Fixed Rate Cash ISAs

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Term
1 Year
Gross Annual Interest
0.80%
Gross Monthly Interest
0.80%
AER^
0.80%
View Account

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Term
2 Year
Gross Annual Interest
0.85%
Gross Monthly Interest
0.85%
AER^
0.85%
View 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.

Please wait while we load previous session...

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Term
3 Year
Gross Annual Interest
1.00%
Gross Monthly Interest
1.00%
AER^
1.00%
View 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.

Please wait while we load previous session...

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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. When you open your account, you’ll be asked at the start of the application if an existing ISA is to be transferred. If it is, towards the end of the application you’ll be asked to provide the details of the ISA to be transferred. Where your existing provider subscribes to the electronic Cash ISA transfer platform, your request will be submitted electronically. If your existing provider doesn’t subscribe to the electronic platform, you’ll need to print and send us a completed ISA transfer form, which is provided to you at the end of your application. 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 the sort code and account number of your nominated account. A nominated account is a UK bank or building society account that you can transfer money from and send money to. You must be named as an account holder on this account. All deposits into your Aldermore account must come from your nominated account and any withdrawals out of your Aldermore account (including interest payments) will be sent to your nominated account. 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 2020/2021 tax year is £20,000. You can split the allowance across the different ISA types - cash ISA, stocks and shares ISA, innovative finance ISA and Lifetime ISA - or save the whole allowance in one type of ISA (apart from the Lifetime ISA, which has a limit of £4,000)
  • 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
  • There are no fees or charges for standard account services. We may make a charge for any exceptional non-standard services which are made available to you on a discretionary basis
  • We reserve the right to withdraw these accounts from sale at any time

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

When 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.

*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

Mostly easy to set up although I did confused with the Customer ID element.

The website was easy to navigate and information sent was easy to follow, apart from the Customer ID which confused me and I couldn't see why it was sent by mail later than the other details. It's not really a fault of Aldermore, but the poor rate of interest on a 3 year fixed rate does make me question the worth of this account.

17th September 2020 Tezza
1 Year Fixed Rate Cash ISA

Sorted easily in the end

I already had an ISA notice account with Aldermore and wanted to change this to a fixed term ISA. I tried to do this on line trying every option on the web site but failed miserably. In the end I phone Aldermore with no trouble getting through. The ladies I spoke to were helpful and friendly and they sorted the change over the phone (option not available on line). After my web site experience everything went really well and easy. Thanks very much!

15th September 2020 JRay
3 Years Fixed Rate Cash ISA

An easy process

Setting up my account with Aldermore was surprisingly straightforward. I had anticipated a lengthy application process but, happily, this proved not to be the case. Since then, I have much appreciated the rapid contact and confirmation whenever I have made a transaction on my account. I wish I had found them earlier. Helpful but not intrusive.

8th September 2020 Scottie42
1 Year Fixed Rate Cash ISA

transfer of isa under HMRC APS RULES

ONCE DETAILS OF ALL DOCUMENTS WEER MADE CLEAR THE TRANSFER WAS HANDLED EFFICIENTLY AND WITHOUT DELAY

28th August 2020
1 Year Fixed Rate Cash ISA

Simple to open savings account

Aldermore provide a reminder when a fixed rate savings product is about to mature. Before a fixed interest rate ISA matures it is easy to select another Aldermore fixed rate ISA to move the savings to on the maturity date. Many ISA providers only allow another product to be selected after the ISA has matured.

25th August 2020 Vic2020

Don't want a fixed rate?

Notice Cash ISAs

0.55% AER*

Suitable if you:

  • Want all of the interest tax free
  • Want to be able to transfer in other ISAs whenever you like and add money up to the ISA allowance
  • Might need access to your money, but won’t need it instantly

Notice Accounts

Up to 1.10% AER*

Suitable if you:

  • Might need access to your money, but won’t need it instantly
  • Want to be able to deposit money whenever you like
  • Are willing to give notice to achieve a higher variable interest rate

Easy Access Account

0.50% AER*

Suitable if you:

  • Don’t want to lock your money away
  • Want to be able to add and withdraw money whenever you like
  • Want a competitive variable interest rate