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 (4443 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*
Term
1 Year
Gross Annual Interest
1.65%
Gross Monthly Interest
1.64%
AER^
1.65%
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

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Term
3 Year
Gross Annual Interest
1.90%
Gross Monthly Interest
1.88%
AER^
1.90%
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
4 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.

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Please wait while we load previous session...

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Term
5 Year
Gross Annual Interest
2.05%
Gross Monthly Interest
2.03%
AER^
2.05%
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
  • 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 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

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

Comparable rates

Rate offered was comparable to the majority of ‘newish’ banks. With monies tied up elsewhere it was an opportune time to try out Aldermore.

15th November 2019 Vetch
4 Years Fixed Rate Account

Safe, Secure and Efficient

My investments from opening accounts, to transfers and closing has been very simple and easy. The interest rates have also been competitive in relation to rates from other providers.

14th November 2019 jimjam81
2 Years Fixed Rate Account

Looking for bank with good rates..

Decided to move some money to earn a better rate of interest. I had seen ads for Aldermore in a few places, but then it was also recommended to me by a friend. Went with the two year fixed as this suited us best. Did the application online and was pleasantly surprised with how easy this was. Also impressed with the security provided during the process. Would definitely recommend .

13th November 2019 Skipper45
2 Years Fixed Rate Account

Very Good Interest Rate

I'm a cautious investor and was concerned about using a non mainstream financial service however Aldermore get good reviews which are justified by the experience I have had so far. Easy to set up, clear communications and a feeling that there is someone there to help if I needed it.

11th November 2019 Steviemac
2 Years Fixed Rate Account

Very competitive interest rates compared to others

Very impressed with Aldermore staff, very helpful, and explained everything in detail. I was surprised with how easy it was to open my new account, and would recommend Aldermore to friends. In fact, it was my Mother in Law who first drew Aldermore to my attention, she has been with you for a few years, and has also been very pleased with service she has received. I would like to add that your interest rates are very very competitive compared to others, which was the main reason I chose Aldermore.

11th November 2019 Micky123

Don't want a fixed rate?

Personal Savings

Notice Accounts

  • 4.4/5 (37 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 1.30% AER*

Personal Savings

Notice Cash ISAs

  • 4.2/5 (38 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 1.30% AER*

Personal Savings

Easy Access Account

  • 4.5/5 (217 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 1.25% AER*