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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 (3515 reviews)

Average customer review for all our Fixed Rate Accounts

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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.

Fixed Rate Accounts

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Open an Account
Term
1 Year
Gross Annual Interest
1.50%
Gross Monthly Interest
1.49%
AER^
1.50%
Open an account

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Term
2 Year
Gross Annual Interest
1.60%
Gross Monthly Interest
1.59%
AER^
1.60%
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.

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Term
3 Year
Gross Annual Interest
1.65%
Gross Monthly Interest
1.64%
AER^
1.65%
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
4 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
5 Year
Gross Annual Interest
2.00%
Gross Monthly Interest
1.98%
AER^
2.00%
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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  • 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
  • Open an account with just £1,000
  • Easy to manage - do it online, by phone or by post
  • Great value - no fees or charges for day-to-day account services
  • 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

 

Please read the Fixed Rate Accounts Summary Box and 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
  • 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, Standing Order or cheque 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
  • 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
  • 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


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
  • 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

*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

First class

First class in every way every day.Interest rate could be better

15th November 2017 Dalnek
1 Year Fixed Rate Account

savings

started saving with with aldermore 2 years ago cannot fault them in any way when you ring them there is no delays at all in answering, not like some where you lose the will to live waiting to speak to a human being also when I was locked out of my internet account (my fault) the young lady sorted me out in 2 minutes

14th November 2017 richo
1 Year Fixed Rate Account

good bank

Easy to open account and very good interest rates,,

13th November 2017 gurdeep
1 Year Fixed Rate Account

Try this provider!

A good option for savings compared to mainstream UK banks.

10th November 2017 AHBBenson
1 Year Fixed Rate Account

A very helpful bank

You kept me informed as to what was happening to my account and then advised me in a way that was easy to understand

9th November 2017 Sara

Don't want a fixed rate?

Personal Savings

Notice Accounts

  • 4.1/5 (13 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*

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Notice Cash ISAs

  • 3.8/5 (16 reviews)

With our Notice Cash ISA you can protect your savings from the taxman while building up your nest egg. You can add to your savings and make withdrawals whenever you like.  And what’s even better is that all the interest you earn is tax free and it doesn’t count towards your Personal Savings Allowance.

Up to 1.05% AER*

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  • 4.4/5 (125 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*