Fixed Rate Accounts

Let’s get a fix on your savings. The money you’ve worked so hard to save should repay you for your efforts. So protect it from interest rate fluctuations with our fixed rate accounts and you’ll always know exactly how much interest you’ll earn.

  • 4.6/5 (5279 reviews)

Average customer reviews for all our Fixed Rate Accounts.

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Fixed Rate Accounts

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Term
1 Year
Gross Annual Interest
1.27%
Gross Monthly Interest
1.26%
AER^
1.27%
View Account

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60 DAYS {{aldermoreProduct.RatesCfra.MinimumInterestAnnual}} AER^
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Term
2 Year
Gross Annual Interest
1.30%
Gross Monthly Interest
1.29%
AER^
1.30%
View Account

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

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Please wait while we load previous session...

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Term
3 Year
Gross Annual Interest
1.35%
Gross Monthly Interest
1.34%
AER^
1.35%
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
4 Year
Gross Annual Interest
1.45%
Gross Monthly Interest
1.44%
AER^
1.45%
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...

Loading ....

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60 DAYS {{aldermoreProduct.RatesCfra.MinimumInterestAnnual}} AER^
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Gross Annual Interest
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Term
5 Year
Gross Annual Interest
1.50%
Gross Monthly Interest
1.49%
AER^
1.50%
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...

Loading ....

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60 DAYS {{aldermoreProduct.RatesCfra.MinimumInterestAnnual}} AER^
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  • Peace of mind - know exactly what interest rate you'll earn for a set period and we will personally write to you before your account matures
  • Transparent - our competitive rates aren't artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes. You can choose to open this account in your sole name or jointly with someone else
  • Open an account with just £1,000
  • 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
  • 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
  • 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 make deposits by Faster Payments, BACS, CHAPS or Standing Order from your nominated UK bank or building society account. 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
  • Interest is paid gross (without tax taken off). Under the Personal Savings Allowance, the first £1,000 of income from non-ISA savings (e.g. any interest earned) is tax free for basic rate taxpayers, and the first £500 is tax free for higher rate taxpayers. No Personal Savings Allowance applies if you’re an additional rate tax payer. If the interest you earn is less than your Personal Savings Allowance, you don’t have to do anything. If the interest you earn is more than your Personal Savings Allowance, you’ll have to pay tax on the difference. HMRC will normally collect the tax by changing your tax code in the PAYE system. If you fill in a Self Assessment tax return you should carry on doing this as normal. For further details on how tax will be collected, refer to the HMRC guide to the Personal Savings Allowance or visit gov.uk
  • No withdrawals, transfers out or closures permitted before the maturity date
  • 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
  • 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
  • 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
  • No need to worry about bonus rates dropping off: there are no hidden bonuses or introductory offers - just consistently competitive rates

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

1 Year Fixed Rate Account

Very good rate and excellent service provided

Very good interest rate, and excellent service provided

16th September 2021 Mark50
3 Years Fixed Rate Account

Competitive rates, smooth easy process

Plenty of warning about account maturity, competitive rates, easy to select desired option, prompt confirmation of purchase

16th September 2021 Harry1957
2 Years Fixed Rate Account

good product, let down by poor clarity of instructions on website

The instructions when selecting a new product are clear. Dealing with interest less so. There are two opportunities to determine what you want to happen. At the top of the page 3 options, bank account, other Aldermore account or new account on maturity. Simple. But at the bottom of the page there are only two options for interest payments. Bank account or add to the new maturing account. ~This is a clear conflict of instructions. When this happens the system automatically does not challenge a conflict of instruction. The choice of new account is fine, but then you need immediately after a choice. Interest to be paid to 1. Bank Account, 2. New account or 3. other Aldermore account. It needs to be clear to prevent confusion and errors occurring. MOST IMPORTANT OF ALL WHEN DEALING WITH A COMPLAINT LISTING TO THE ACTUAL ISSUE AND WHEN YOU PHONE BACK MAKE SURE YOU HAVE ACTUALLY CARRIED OUT THE PROCESS ON A LIVE SYSTEM. Both people I spoke too did not listen effectively and then when the resolver phoned they did not understand the nature of the complaint which was three fold. Excuses were made. Never did I get a sorry or apology. I can't even completer the choose a nickname and personal details box. Laughable

14th September 2021 Witsend
1 Year Fixed Rate Account

Nice to find a competitive rate in a dire market for savers.

Each time I have opened an Aldermore account the process has been clear, simple and efficiently completed. I had not come across more than the name before this last year but I am glad I found them!

10th September 2021 Skylark
1 Year Fixed Rate Account

Good easy savings

Used Aldermore for ISA investments know starting savings, reasonable rates compared with others

10th September 2021 Daddy69

Don't want a fixed rate?

Notice Accounts

Up to 0.70% 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

0.30% 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

Notice Cash ISAs

0.35% 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

We reserve the right to withdraw these products from sale at any time.