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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.

Best Fixed Rate Cash ISA Provider

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
1.70%
Gross Monthly Interest
1.69%
AER^
1.70%
Open an Account

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Term
2 Year
Gross Annual Interest
1.85%
Gross Monthly Interest
1.83%
AER^
1.85%
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.

Please wait while we load previous session...

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Term
3 Year
Gross Annual Interest
1.95%
Gross Monthly Interest
1.93%
AER^
1.95%
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.

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 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

Good product badly administered

I have had very poor service from Aldermore. After opening a transfer from stocks account, Aldermore firstly made an administrative error and wrongly returned my funds to my previous investment platform. The subsequent resolution was handled both slowly and poorly by Aldermore who subsequently apologised and offered standard compensation. In my case, it took more than 9 weeks from initial account application until my funds were reconciled to the new Aldermore account. This process should take no more than 30 days under HM Government guidance. However, further administrative errors by Aldermore then caused my on-line account to be deleted since it had taken so long for my funds to reach the new account. I was advised today that this was a further administrative error. 10 weeks on, I am still waiting on Aldermore to address basic administrative matters. Very disappointing service.

23rd January 2019 BP999
1 Year Fixed Rate Cash ISA

Suited my needs perfectly

Very easy to transfer my ISA, this was hassle free

23rd January 2019 MarkusLav
1 Year Fixed Rate Cash ISA

Deputy Operated Account

One of the few banks that understand what a Deputy operated account is and make opening and operating the account simple. Excellent service.

23rd January 2019 Rhoda2
1 Year Fixed Rate Cash ISA

Very helpful staff

Invested in this product from another Aldermore investment, found the initial online application a little confusing for what I wanted to do and was timed out twice. After speaking to telephone staff the matter was sorted successfully.

23rd January 2019 Winston
1 Year Fixed Rate Cash ISA

Straightforward

Just very straightforward easy to use website,was kept informed what was happening at all times.Would recommend.

23rd January 2019 Hammer

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