Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (674  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

637 out of 674 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • Just what i wanted Flash1

    Best rate that i could find for a fixed period 1 year

       5/5

    25 Jul 2014
    Flash1

  • Product suited my needs Tina

    I couldn't understand why I you wouldn't send a blank transfer form to my sisters address instead of my home address. Surely this isnt a breech of the Data Protection act. This caused me great difficulty in returning the form within your specified timescale. Another bank allowed me 28 days to do the transfer why is yours so short.

       3/5

    25 Jul 2014
    Tina

  • Good competitive interest rate pat66

    I transferred an ISA from another provider - the transfer was carried out very efficiently on both sides.

       5/5

    23 Jul 2014
    pat66

  • So far excellent Angie17

    Have not actually received Isa money into account yet but so far superb service the people I have spoken to on the phone have been most helpful and spoken in a most pleasant manner.

       5/5

    22 Jul 2014
    Angie17

  • Super Slick, Super Fast BigAl2

    In my never ending search for decent interest rates I came across Aldermore, low interest rate but best of the bunch. I opened an account on line on a Wednesday and by Saturday all my account details had been received in the post, by Tuesday my new deposit had cleared and by Wednesday of the following week my transfer in had been completed. I have been moving money every year since the big melt down and this is by far the slickest operation I have encountered.

       5/5

    22 Jul 2014
    BigAl2

  • suited my needs perfectly motherhen

    Best interest rate. Set it up online - no need to make appointment to go into bank/building society in town. Easy to set up. No need to send off documentation. Efficient service. Fantastic.

       5/5

    20 Jul 2014
    motherhen

  • Suited my needs. Iris41

    I found as always the customer service teams excellent. No waiting time to speak of, information and help given politely and quickly, as usual. Service quick and correct.

       5/5

    19 Jul 2014
    Iris41

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Reviews for Fixed Rate Cash ISA 2 Year

  • Uncomplicated Service Scalemaker

    I was surprised at just how easy Aldermore made this transition from one provider to another. Normally there appears to be some apparently unnecessary complication but with this service provider all the checks etc., were made without any effort on my part.It was a pleasant surprise and they offered a decent rate of interest,unlike others.

       5/5

    25 Jul 2014
    Scalemaker

  • fixed rate cash isa 2 year majic

    the staff were very helpful and i will recormend them to to aldermore. it is nice to have a small tax free income every month

       5/5

    24 Jul 2014
    majic

  • Simple process Red6

    In my experience Aldermore savings accounts interest rates are invariably comptitive.

       5/5

    24 Jul 2014
    Red6

  • First class service twtlol13

    I decided to take out an ISA with Aldermore because it is a small , independent bank, not affiliated to the "big names". I set up my account online ...an easy process. I have needed to ring the bank a couple of times with some queries and the agent on the other end of the phone was always helpful, courteous and efficient. And I was not kept waiting in a long queue ! How refreshing...... I was transferring funds from various other establishments and was sent regular emails so that I was fully informed of the progress of the transfer throughout. I am very pleased with the service provided by Aldermore. The bank's promise of "simple, straight- talking" savings was fully realised.

       5/5

    23 Jul 2014
    twtlol13

  • exactly what i was looking for welsh

    I found the assistants courteous, informative and easy to understand. The website also easy to follow.

       5/5

    23 Jul 2014
    welsh

  • Product adequate - service poor Pompey1

    I sometimes wonder if the people at the head of Aldermore ever read the claptrap put out by their copywriters. "Simple"? "Straightforward??". Yours is one of the most complicated procedures I've dealt with over many years. Having done the paperwork, I had to enquire the method of investing the money. A week later it was deducted from my bank account. Why a week later? are you so popular? or inefficient? or short staffed?

       3/5

    23 Jul 2014
    Pompey1

  • Good product simple to implement Unney21

    This was just the product I needed, simple to open and although not a fantastic interest rate, as good as was available.

       5/5

    23 Jul 2014
    Unney21

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Reviews for Fixed Rate Cash ISA 3 Year

  • Quick and easy Val55

    Good rate of interest all the paperwork received within a week. Very good

       4/5

    28 Jul 2014
    Val55

  • Quick and easy mario

    Very easy and quick to set up also made a phone enquiry they answered phone quickly and spoke English very helpful would recommend

       5/5

    27 Jul 2014
    mario

  • Very efficient service. David45

    Application was processed very speedily and efficiently.

       5/5

    25 Jul 2014
    David45

  • suited my needs debsy

    forms came thru very quickly,all set up quick,very helpful on phone

       5/5

    25 Jul 2014
    debsy

  • It was what I wanted Trine

    There was a brief hiccup with respect to confirmation of my fast money transfer. It took a couple of days to sort this out. It was disconcerting at first and worrying, as the money was actually transferred to Aldermore within 2 hours of my opening the account. Apparently there was a software problem with the receiving of funds. I would not like to go through that again and hopefully I will not. Otherwise I am perfectly happy to invest my cash with the bank.

       4/5

    23 Jul 2014
    Trine

  • competitive rate of interest, quick and easy to set up on line Jay44

    Competitive rate of interest and quick and easy to set up the account on the internet - user friendly self-serve. One ISA already transferred to my 3 yr ISA from a former provider, just waiting on the second to be transferred

       5/5

    23 Jul 2014
    Jay44

  • 3 YEAR FIXED CASH ISA TrendyWendy

    I was hard-pressed to re-invest my Cash ISA as the prices on offer are, to say the less, not brilliant. My provider quoted me an unacceptable interest rate even though I have had savings with them for five plus years. Aldermore seemed to offer the best rate, even though it is still very low. However as I had to put the money somewhere Aldermore seemed the best of a bad bunch. I liked the fact that Aldermore is a relatively new bank as I try to avoid the big banks who do not seem to be loyal to their existing customers. The switch over was painless and quick.

       4/5

    22 Jul 2014
    TrendyWendy

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