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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 (3843 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
1.70%
Gross Monthly Interest
1.69%
AER^
1.70%
Open an Account

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Term
2 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.

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Term
3 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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Term
4 Year
Gross Annual Interest
2.10%
Gross Monthly Interest
2.08%
AER^
2.10%
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
2.25%
Gross Monthly Interest
2.23%
AER^
2.25%
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
  • 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 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


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

2 Years Fixed Rate Account

So easy to renew on-line

Good interest rate encouraged renewal and on-line system was really easy to use.

21st January 2019 Homer99
3 Years Fixed Rate Account

great interest

the best interest i could find for my money with monthly interest

21st January 2019 froggy
2 Years Fixed Rate Account

Over 5 yrs with this bank

Simple systems but very efficient, all you need really.

21st January 2019 Senator17
2 Years Fixed Rate Account

Funds transfer

Visiting you website was OK. However, I seemed to get in quite a muddle by selecting the wrong investment. I put this right by getting information from your Telephone adviser,but the I found it slightly difficult to transfer the cash from the 90 day holding account to the new 2 year fixed rate ISA. When my other fixed rate matures I'm sure I will handle the procedure.

18th January 2019 arfee
1 Year Fixed Rate Account

Power of Attorney

Not always easy to open and access such special accounts. The process at Aldermore was well managed and fairly straightforward- products are also good in light of today’s usual interest rates

17th January 2019 Steve67

Don't want a fixed rate?

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Up to 1.30% AER*

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Up to 1.25% AER*