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Notice Cash ISAs

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.

  • 3.8/5 (16 reviews)

Average customer review for all our Notice 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.

Notice Cash ISAs

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Open an Account
Term
30 day notice
Gross Annual Interest
1.05%
Gross Monthly Interest
1.04%
AER^
1.05%
Open an account

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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
  • Access – you can make withdrawals if you need to, either by giving 30 days’ notice, or without giving notice where a deduction of interest equivalent to the notice period will apply
  • Transparent – the interest rate on our Notice Cash ISA is variable and doesn’t include any 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. With a Notice Cash ISA, you can transfer in an ISA at any time, so you can print another transfer form if you need one

 

Please read the Notice Cash ISA Summary Box and Personal Savings Terms and Conditions before you open an account

 

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

  • 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 when you make withdrawals. 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.
  • 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
  • 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
  • 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.

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

Managing your account with us is simple and straightforward - and we're always on hand to help you 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
  • Need to access your money? Simply log in and follow the simple on-screen instructions; it should take less than a minute
  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • 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
  • We'll write to you personally if the rate on your account changes


*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

The rates we have previously paid on our Notice Cash ISAs are shown on our Historic Rates Page

Latest Rating and Reviews

30 Day Notice Cash ISA

failure to open account and return original documents

Following the death of my husband I needed to use the APS allowance and transfer his ISA to my name. Issues: failure to return original document, ie marriage certificate, causing worry and stress. All other financial institutions I have dealt with have a policy of returning such documents immediately. failure to actually open the account. I received a letter on the 9th November, informing me the account was open, and that I would shortly receive a letter confirming the amount etc but no money was transferred and indeed it was closed as I discovered when I couldn't understand why no subsequent letter was forthcoming, nor promised cheque for outstanding interest. This failure has led not only to worry at a difficult time but a loss of earnings since the company I was waiting to transfer the ISA to, had now stopped their offered rate of 1.50%. I now have a financial loss of 0.15% on the 1 year fixed rate ISA was I waiting to take out. Both failures have been acknowledged and apologized for, but I have not only been caused stress but now lost money as well. A tremendous shame, since the call handlers have themselves have all been exceptional, sensitive, proactive and efficient and taken steps to resolve the problems, which should not have occurred in the first place. I couldn't rate them more highly.

21st November 2017
30 Day Notice Cash ISA

Easy and super quick

I already had a savings account and moving my Cash ISA to Aldermore was very easy to do on their website and the transfer was super quick. Well done Aldermore.

31st October 2017 Canniesaver1
30 Day Notice Cash ISA

Customer friendly account

From online application to transferring funds and viewing account online, the process was user friendly and straightforward. All communications were immediate and helpful. The only issue was providing original proof of ID/address, which was resolved with help from customer services.

9th June 2017 LadyJady
30 Day Notice Cash ISA

Good service but wrong advice.

A simple attempt to merge 2 cash isa's that had maturity dates a couple of weeks apart. Wrong advice given - apparently rules had changed. Managed it in the end but with a small loss of interest. Do we need so many forms in the post?

4th May 2017
30 Day Notice Cash ISA

ISA Savings Product

Whilst the interest rate on this ISA product compared favorably with competitors, my experience in closing the account and transferring the funds was abominable. When the funds were rejected by the Company and returned to Aldermore at no time did Aldermore attempt to contact me to inform of this fact. If I had not checked then presumably the funds would still be stuck in an Aldermore suspense account.

3rd May 2017