• FSCS Protected

    Deposits fully protected up to £85,000 per eligible person.

  • Easy account opening

    Apply online at whatever time of day works for you.

  • Rated "Excellent"

    Our personal savings customers rated us excellent on Trustpilot.

  • Transfer your ISA

    All our cash ISAs accept transfers-in, so you can choose the right accounts to match your savings needs.

Key features

  • 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
  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period and we’ll write to you before your account matures
  • Access – you can make withdrawals if you need to, subject to a deduction of interest
  • 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
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2 year fixed rate cash ISA

Interest rate (AER*)

  • 4.25% Fixed

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

Minimum opening balance

£1,000

Term

2 years

Suitable if you

  • Want all of the interest tax free
  • Have a lump sum to deposit or transfer and won’t want to add money further down the line
  • Want a guaranteed interest rate for the term
  • Accept that there will be a deduction of interest if you need access to your money during the term
Read more & apply

3 year fixed rate cash ISA

Interest rate (AER*)

  • 4.00% Fixed

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

Minimum opening balance

£1,000

Term

3 years

Suitable if you

  • Want all of the interest tax free
  • Have a lump sum to deposit or transfer and won’t want to add money further down the line
  • Want a guaranteed interest rate for the term
  • Accept that there will be a deduction of interest if you need access to your money during the term
Read more & apply

 

Please read the 2 Year Fixed Rate Cash ISA Summary Box and Personal Savings Terms and Conditions before you open an account.

Looking to open multiple ISAs?

With our MaximISA, you can mix and match your Aldermore Cash ISA products, so you can build the perfect ISA package tailored to your needs.

So, if you don’t have your full allowance available now, you can open a Cash ISA using part of it, and when any additional funds become available you can open further products with the rest.

Although the Government recently announced changes to ISA rules to allow individuals to invest their current tax year’s ISA allowance across multiple providers, we don’t currently have the functionality to allow this. At present, if you’ve invested part of your current year’s ISA allowance in a Cash ISA with another provider, you won’t be able to invest your remaining allowance in an Aldermore Cash ISA in the current tax year. However, we are looking to introduce this option in the future.

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ISA Transfers

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.

Read more about ISA Transfers
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Fixed Rate Cash ISA FAQs

You can split your annual ISA 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).

Aldermore offers Cash ISAs only. You can split your Cash ISA allowance between any of our Cash ISA products. This will be classed as one Cash ISA for the purposes of tax-free allowances and HMRC reporting.

Although the Government recently announced changes to ISA rules to allow individuals to invest their current tax year’s ISA allowance across multiple providers, we don’t currently have the functionality to allow this. At present, if you’ve invested part of your current year’s ISA allowance in a Cash ISA with another provider, you won’t be able to invest your remaining allowance in an Aldermore Cash ISA in the current tax year. However, we are looking to introduce this option in the future.

If you’ve got existing ISAs with other providers from previous tax years, these don’t count towards your £20,000 annual allowance so you can transfer these to us in full. By bringing all of your ISAs together in one place, you can manage your ISA portfolio with ease.

The current tax year allowance (ends 5 April 2025) is £20,000.

We’ll contact you a minimum of 21 calendar days before your account matures to explain your options, with an additional reminder issued around 14 calendar days prior to your account maturing. You’ll be able to view your maturity options and provide your maturity instructions by logging into your account in Internet Banking.

If we don't hear from you we will move your money into our 30 Day Notice Cash ISA.

If you want to transfer your Cash ISA to another provider, you will need to contact the provider that you would like to transfer your Cash ISA to and ask them to either send us the relevant ISA Transfer Request Form or send us their instructions electronically. You’ll need to give your new provider your Aldermore ISA account number as the roll/reference number. A sort code shouldn’t be required.

If you want to withdraw all or part of your Cash ISA, you will lose the tax-free status on that money. If you ask for this to be returned to your nominated account, the funds will be sent by Faster Payments on the maturity date (providing we receive your instructions online or in writing prior to the maturity date). In the event that the day of maturity is a non-business day, the funds will be sent on the next business day. You will receive interest until the day before the funds are returned. For example, if the day of maturity is a Saturday, you will receive interest until Sunday and funds will be returned on Monday (providing this isn’t a Bank Holiday).

You can transfer an ISA by following the usual transfer process. All of our Cash ISAs are flexible but if you transfer them to another provider, the provider that you transfer to may not offer flexibility in which case your ISA will no longer be flexible when it moves to them.

If you transfer an ISA from another provider into one of our Cash ISAs, it will automatically become flexible.  

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Help and support

Things you need to know

  • Your annual ISA allowance for the 2024/2025 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
  • You can transfer in a Fixed Rate Cash 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
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future
  • We reserve the right to withdraw these accounts from sale at any time