Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (791  Reviews)
 

Nothing beats knowing your savings are protected – both from interest rate fluctuations and from the taxman. With our Fixed Rate ISA you get a great return thanks to our guaranteed interest rate and it’s tax-free too. From 1 July 2014, all ISAs have become New ISAs (NISAs) and your annual tax free allowance has increased to £15,000. You can save the whole allowance in cash or in stocks and shares, or a combination of the two. You can split your allowance between any of our Cash ISA products to make the most of the increase. This will be classed as one Cash ISA for the purposes of tax free allowances and HMRC reporting.

TermGross Annual Interest (%)Gross Monthly Interest (%)AER* (%)
1 Year1.651.641.65Open an Account
2 Year2.001.982.00Open an Account
3 Year2.252.232.25Open an Account

Key benefits to opening a Fixed Rate Cash ISA

  • Peace of mind - tax-free interest rate, fixed for a set period and we will personally write to you before your account matures
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Maximise your tax-free allowance – 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 ensure that any ISA Transfer Forms are returned within 10 working days of opening the account
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Open an account with just £1,000
  • Flexible - withdraw cash early if you need to (subject to interest deduction)
  • Easy to manage - do it online, by phone or by post
  • Great value - no fees or charges for day-to-day account services

 Things you need to know

  • Once you've made your opening deposit, you won't be able to make any more deposits.  You can transfer in an ISA held with another provider at account opening stage only. When sending the opening deposit by cheque, please ensure that any ISA transfer forms are returned at the same time. If the opening deposit is made by another method, please ensure that any ISA transfer forms are returned within 10 working days
  • Early withdrawals will be subject to a deduction in interest
  • We guarantee to pay the interest rates shown (or the higher rates if we have increased them) provided that we receive your completed account opening form and initial deposit within ten business days. After this time, we will pay the prevailing rate on the day that we receive your application
  • You should keep at least £1,000 in your account at any one time (a gross interest rate of 0.50% will be paid on balances below this amount)
  • You simply need to be aged 18 years or over, resident in the UK and only liable to pay tax in the UK
  • The ISA allowance is currently £15,000. You can save the whole allowance in cash, or in stocks and shares, or a combination of the two
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future
  • To read the full terms and conditions please click here

 

Managing your account with us is simple and straightforward. Check our
Key Features page for more information on how your account works.

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.

It’s easy to open an account

It’s easy convenient and secure. Open an account, complete identity checks and move your money in minutes. Any questions, simply

Contact us

Award Winning Cash ISAsConsumer Moneyfacts - Four time winner ISA Provider of the Year

We’re proud to be awarded ‘ISA Provider of the Year 2014’, the 4th year in a row we’ve won this award

View Awards

ISA Transfer

When you open your account, we’ll process your ISA transfer electronically if we can or we’ll provide an ISA Transfer Form for you to complete and return to us.

Ratings & Reviews

754 out of 791 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • Was What I was looking for Nasty

    After doing as much research as possible on the internet I found not only what I wanted but a simple transparent product from a helpful reputable company that shred my ideals.

       5/5

    21 Aug 2014
    Nasty

  • Simple and efficient set up and transfer. Rates reasonanbly competitive and package meets my requirements john04

    SEE ABOVE the reasons for using Aldermore Rates reasonably competitive and package meets my requirements

       1/5

    21 Aug 2014
    john04

  • Does what it says Spiders21

    Simple and straightforward to open account. Hassle free transfer of funds - well done..!

       5/5

    21 Aug 2014
    Spiders21

  • Quick and easy to transfer ISIS Harry3

    Easy and very rapid transfer of my account and kept well informed throughout the process

       5/5

    20 Aug 2014
    Harry3

  • Excellently Designed to suit the customer Gandr8

    Very good website, informative and clear. Straightforward and easy to set up and manage an account. Good verification paperwork

       5/5

    20 Aug 2014
    Gandr8

  • The product ticked all the boxes. Shink

    The product selected was the best on the market at the time of opening the account. The online procedure was straight forward, easy to understand and presented no problems.

       4/5

    20 Aug 2014
    Shink

  • Just what i wanted account, Maryliz62

    Easy to open and move money. Straightforward to manage. Competitive rates.

       5/5

    20 Aug 2014
    Maryliz62

Reviews for Fixed Rate Cash ISA 2 Year

  • one of the best on the market keef

    Having opened an internet savings account some months ago and found the service better than other providers I sought out Aldermore for my ISA. The 2 cash ISA serves my needs with a reasonable interest rate

       4/5

    21 Aug 2014
    keef

  • BEST INTEREST RATE AVAILABLE CymruDragon

    The interest rate was the best I could find to suit my needs and, having a savings account already, it was simple to move funds to the ISA and transfer from another provider. Telephone enquiry was dealt with efficiently and it all worked promptly.

       4/5

    21 Aug 2014
    CymruDragon

  • Good offer,dealt with very professionally. Lyn47

    Everything went very smoothly with the changeover of Isa. Very friendly and helpful staff. Now placing a Bond with Aldermore, as we were so happy with the service.

       5/5

    21 Aug 2014
    Lyn47

  • straightforward process and very good service Nastry

    It was easy to open and the speed of response and communication was impressive. Have already used Aldermore again.

       5/5

    21 Aug 2014
    Nastry

  • Pleasant and efficient service Jenny

    I always need to talk through investments and at times ask what might seem silly questions. the staff always treat me with respect and give me the confidence to make my investment. Few organisations take ISA transfers, so you get my vote every time!

       5/5

    21 Aug 2014
    Jenny

  • Speedy transfer Phatdeeva

    The ISA was transferred very quickly and the account opened with no problems.

       5/5

    20 Aug 2014
    Phatdeeva

  • Very simple and quick Moxy26

    Opening the account and transferring from previous ISA went without a hitch, relatively simple online opening form. Very pleased so far.

       5/5

    20 Aug 2014
    Moxy26

Reviews for Fixed Rate Cash ISA 3 Year

  • brilliant oisin

    Aldermore were simply the best. All my queries were dealt with quickly and efficiently.

       5/5

    21 Aug 2014
    oisin

  • Good quality, prompt service. Napolean

    All transactions swiftly auctioned, no problems...

       5/5

    21 Aug 2014
    Napolean

  • Customer Service at it's best

    An efficient, hassle free transfer of funds. Well done Aldermore, I will definitely use your bank again in the future.

       5/5

    20 Aug 2014

  • Good rate, simple application process Andy666

    Not wishing to tie up my savings for too long, I decided on a three year ISA. The best rate I could find was with Aldermore and I was pleased with how easy it was to open an account online. To date I have been very pleased, easy process, good online access and a decent rate in a market where these are hard to find. Thank you Aldermore.

       4/5

    20 Aug 2014
    Andy666

  • Easy and quick Kendall

    I always groan when it becomes apparent that I have to transfer an ISA to get a better rate. However, my transfer to the Aldermore 3 year ISA was completely trouble free and undertaken with the minimum of fuss. I would certainly consider using this company again.

       5/5

    20 Aug 2014
    Kendall

  • ideal product for my particular circumstances. scrooge48

    originally had a 3yr ISA, but changed to a 5yr fixed rate bond,as interest is paid monthly - gross, which suited my needs perfectly, as being an old pensioner with an income below the tax threshold, this is an ideal way to maximise my income, without putting my capital at risk.

       5/5

    20 Aug 2014
    scrooge48

  • best fixed rate cash isa with a transfer of existing isa bernie4

    we already have an account with Aldermore and have been very pleased with the service provided. every detail is dealt with in a professional manner.

       5/5

    19 Aug 2014
    bernie4