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Fixed Rate Cash ISAs

Let’s get earning and protect your savings from the taxman. Our Fixed Rate Cash ISAs give you guaranteed interest rates over a choice of fixed terms.  And all of the interest you earn is tax free and doesn’t count towards your Personal Savings Allowance.

  • 4.6/5 (2271 reviews)

Average customer review for all our Fixed Rate Cash ISAs products.

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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 Cash ISAs

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Open an Account
Term
1 Year
Gross Annual Interest
1.00%
Gross Monthly Interest
1.00%
AER^
1.00%
Open an account

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Term
2 Year
Gross Annual Interest
1.20%
Gross Monthly Interest
1.19%
AER^
1.20%
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.

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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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  • 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. For example, you could open a Fixed Rate Cash ISA with the money you are able to lock away, and also open a Notice Cash ISA in case you need to access some of your savings. This would be classed as one Cash ISA for the purposes of HMRC reporting
  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period and we’ll personally write to you before your account matures
  • Access – you can make withdrawals if you need to, subject to a deduction of interest
  • Transparent – our competitive rates are not artificially inflated by bonuses or introductory offers
  • 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. Please make sure that any ISA Transfer Forms are returned within 14 calendar days from the date of application

 

Please read the  Fixed Rate Cash ISAs 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, except where these are received by transfer from another ISA provider  
  • Your annual ISA allowance for the 2017/2018 tax year is £20,000. You can save the whole allowance in cash, in stocks and shares, in an innovative finance ISA, in a Lifetime ISA or in any combination of these permitted  ISA types.
  • We only provide cash ISAs. If you are considering encashing a stocks and shares ISA, you should consider seeking independent financial advice to ensure this meets your circumstances.
  • 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 transfer in an ISA held with another provider at account opening stage only. When sending the opening deposit by cheque, please make sure that any ISA transfer forms are returned at the same time. If the opening deposit is made by another method, 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, Standing Order or cheque 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
  • 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
  • You can make unlimited withdrawals, subject to a deduction of interest (120 days for 1 year, 180 days for 2 & 3 years)
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future


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
  • Want to check your account details and rates? Just login whenever you like
  • 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
  • No need to worry about bonus rates dropping off. There are no hidden bonuses or introductory offers - just consistently competitive rates
  • 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

*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 Cash ISA

Very difficult to transfer ISA into Aldermore account.

Having been locked out of my account and phoned for assistance I was on the phone for an excessive length of time at my expense. With still no resolution to transfer my ISA. But did manage to open an account. The second phone call I had to download a form and not transfer electronically. As you are an Internet Bank surly you should have an efficient web site? Why should I have to pay phone calls when trying to bank with you?

2nd November 2017 Crosby3
1 Year Fixed Rate Cash ISA

Simple and good

INTEREST RATE WAS NOT THE HIGHEST I COULD FIND BUT I HAVE AN ACCOUNT WITH ALDERMORE ALREADY AND THE OPENING PROCESS COULD NOT HAVE BEEN EASIER

30th October 2017 ExBanker
2 Years Fixed Rate Cash ISA

Excellent service and saving accounts what I was looking for

I was looking to re-invest an ISA and found the best deal was with Aldermore. As I have been a customer with Aldermore for several years now I did not hesitate to open a 2 year fixed rate ISA with them. The staff I contacted was very helpful in answering some questions that I had and I then opened an ISA which was done so easy online. I would have no hesitation in recommending Aldermore to anyone.

27th September 2017 Eve65
2 Years Fixed Rate Cash ISA

just what I wanted.

Although I had to open the account as acting Power of Attorney over a relative, I found the whole thing fairly easy and despite all the paperwork involved, was satisfied in the end. Thank you Aldermore.

22nd September 2017 Dolly
1 Year Fixed Rate Cash ISA

CONVENIENT

AFTER OPENING OF AN ISA ACCOUNT, DISCOVERED ANOTHER PROVIDER WHO WAS OFFERING THE SAME FACILITIES, BUT WITH A HIGHER INTEREST RATE. PERHAPS ALDERMORE WOULD CONSIDER RAISING THEIR FIXED YEARLY CASH ISA INTEREST RATE!

26th August 2017 wsatravel

Don't want a fixed rate?

Personal Savings

Easy Access Account

  • 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*

Personal Savings

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*

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*