Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (891  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 Year1.501.491.50Open an Account
2 Year1.851.831.85Open an Account
3 Year2.001.982.00Open 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

850 out of 891 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • exactly what I wanted Rob456

    Easy to use, and prompt efficient service - would recommenr

       5/5

    20 Sep 2014
    Rob456

  • Transfer ISA

    I could not believe how quick and simple it was. The process took me a few minutes. Thank you Aldermore .

       5/5

    20 Sep 2014

  • Very easy to set up. Selina34

    Very straightforward and quick. Aldermore carried out the transfer within a few day with no fuss. Thank you for making it so smooth.

       5/5

    19 Sep 2014
    Selina34

  • Good interest rate for an ISA financegirl

    I found it very simple to open my 2nd Aldermore ISA, and the rate of interest was good compared to others. Although I opened it on line, I first spoke to a member of staff who advised me on various things about it, and I found them very polite and helpful.

       5/5

    18 Sep 2014
    financegirl

  • What I wanted at a reasonable rate at the moment motorcycle321

    Easy to sort out with people I can understand who explain in a simple way

       5/5

    18 Sep 2014
    motorcycle321

  • Good efficient service DJWS

    Made setting up my ISA & transferring from a different provider easy

       5/5

    17 Sep 2014
    DJWS

  • Easy process Andrew53

    With the introduction of the expanded cash isa's this year I was looking to take advantage of the cash free investment. it didn't take long in research to find that Aldermore was offering the best rate for a one year term, albeit that interest rates for serious investors are just to poor across the board at the moment. having selected Aldermore, with who I have other accounts, I completed the online forms and authorities and it was all done very easily and speedily. Very happy

       5/5

    17 Sep 2014
    Andrew53

Reviews for Fixed Rate Cash ISA 2 Year

  • very straightforward Fiona57

    I went for a bank with the best rate first and chose Aldermore. It was then the most straightforward process for opening an account I have ever had. It was also very clear 'what to do next' and 'how to pay' the money in etc. Very happy with the service

       5/5

    22 Sep 2014
    Fiona57

  • Overall very easy and friendly service SueP

    Happy with how easy it was and how friendly staff are. A reasonable rate of interest in these difficult times!

       5/5

    22 Sep 2014
    SueP

  • Quick and easy to action Ellie12

    Opening was designed to be done simply on line. I did need to use the phone once and my query was dealt with on a Saturday with no delay. The paperwork arrived promptly.

       4/5

    22 Sep 2014
    Ellie12

  • Simple and easy to understand Angxx

    The website was easy to navigate and the details for the 2 year fixed rate cash isa were specific and clear - no unwelcome surprises throughout the application process. Very easy and straightforward

       5/5

    21 Sep 2014
    Angxx

  • First rate ISA transfer process ChrisXChris

    I wanted to transfer a matured cash ISA then on a very poor rate of interest. Aldermore's interest rate at 2% for a 2 year fixed rate ISA was the best advertised. I opened an Aldermore account on line and requested the transfer from my then provider. The account opening was simple and the request from Aldermore to activate the transfer was immediate. The whole process was completed very speedily.

       5/5

    21 Sep 2014
    ChrisXChris

  • Simples! Gunner71

    The ISA transfer was quick and efficient. Easy to complete on line and I was glad to receive a confirmation email once the funds had been transferred. One very small criticism: Perhaps you could consider informing customers on the above mentioned email that postal documentation will follow. Otherwise will be happy to consider Aldermore at any time - as long as they are competitive!

       5/5

    20 Sep 2014
    Gunner71

  • Uncomplicated, and very easy to set up FTGS

    A competitive interest rate and a simple easy to understand website

       5/5

    18 Sep 2014
    FTGS

Reviews for Fixed Rate Cash ISA 3 Year

  • Very easy to open the ISA account peewee

    Pleased with the ease of which I could open this ISA account being a new customer. Paperwork/e-mails received very quickly. Was able to go on line within days of opening to see my account.Would certainly recommend. Thank you

       5/5

    19 Sep 2014
    peewee

  • It was easy! peter40

    The rate is among the best and the transfer process quick and simple. My few questions were politely and efficiently answered.

       5/5

    19 Sep 2014
    peter40

  • Competitive rates, good service Saver25

    I tried to open an account with Aldermore online but had a problem with the password, so I telephoned them and it was sorted out quickly and efficiently. I received confirmation of both of my accounts by post quickly, and I am very happy with the customer service. I would have given an overall rating 5 except for the online problem

       4/5

    14 Sep 2014
    Saver25

  • Ideal & competitive Alan

    Looking for a competitive fixed rate Isa over 3 years and this suited. Very quick and easy to open - perfect.

       5/5

    14 Sep 2014
    Alan

  • Relatively smooth transaction CambyCelt

    Happy with account opening process. Was slightly disappointed that I cannot add to the account on a monthly basis through to end of ISA year on April 4.

       4/5

    12 Sep 2014
    CambyCelt

  • Fine in all respects MS2014

    Simple and straightforward. Good custiomer service.

       5/5

    12 Sep 2014
    MS2014

  • Great Experience Kaddy64

    Opening a 3 Year Fixed ISA account was very easy, and when I rang customer services to clarify a few points, I didnt have to wait an eternity and was given clear and concise answers. It really is a shame they dont have the full range of financial services.

       5/5

    12 Sep 2014
    Kaddy64