Fixed Rate Cash ISAs

Ratings & Reviews

 
4.6  -  (655  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

618 out of 655 reviewers would recommend products in this category

Reviews for Fixed Rate Cash ISA 1 Year

  • 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

  • As to be expectef .... First class toto

    As in the past , we experianced a good quality product with ease and confident application .

       5/5

    19 Jul 2014
    toto

  • Lived up to expectations avocet

    This product came to me recommended and the processes and results did not disappoint.

       5/5

    19 Jul 2014
    avocet

  • All done and dusted in a very short time. margaret1949

    I applied online to open a fixed rate cash Isa that allowed transfers in. The application was simple and straightforward and Aldermore handled the transfer with great efficiency.

       5/5

    17 Jul 2014
    margaret1949

  • best of a bad bunch of low interest NISAS! grover

    Your records don't seem to have told you that we were already Aldemore investors in 1 year bonds before we went for your NISAS. What happens if we have 2 different sets of security numbers?!

       3/5

    16 Jul 2014
    grover

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Reviews for Fixed Rate Cash ISA 2 Year

  • extremely impressed marlie

    i have opened a savings account as well as a new NISA and i have been extremely impressed with the speed of the treansactions.

       5/5

    22 Jul 2014
    marlie

  • Just what I wanted Hammie

    Nothing more than I hoped for. Very easy to set up.

       5/5

    22 Jul 2014
    Hammie

  • Simple and easy to open Alf2

    Some applications procedures for Isa's can be irritatingly detailed and cumbersome. This was a breeze. I am now waiting for my money to be transferred from my previous provider.

       5/5

    21 Jul 2014
    Alf2

  • looking for a fixed isa vikz

    Aldernore was great, account opened and funds transferred with in a week, who could ask for more!

       5/5

    21 Jul 2014
    vikz

  • 2year fixed cash ISA residentinyelverton

    Best, although poor really, return on the market at the moment. I am just waiting to receive details on how to log in on line. So far all very efficient.

       4/5

    20 Jul 2014
    residentinyelverton

  • Good and straight forward mp007

    did ISA transfer on internet and good help on phone to ensure old ISA matures (and no penalty/loss of interest)before transfer

       5/5

    19 Jul 2014
    mp007

  • Easy use George32

    Found information very helpful. Easy account to open. Documentation and confirmation very email and snail mail very prompt.

       5/5

    19 Jul 2014
    George32

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Reviews for Fixed Rate Cash ISA 3 Year

  • Best of the current bunch.

    The one single criticism of this ISA is the interest rate but at the current time, it is one of, if not the, best available. The process of applying was seamless right through and I would recommend Aldermore to others. It's such a shame that the market in general still has the jitters and is offering such meagre rates.

       4/5

    22 Jul 2014

  • Restores Faith in Banking Bob007

    The team at Aldermore should be rightly commended for their excellent service. The whole ISA process from start to end was faultless. We would particularly reference the telephone set up and Joanne who is a credit to Aldermore. The follow up confirmation letters were focused, timely and reassuringly informative. Highly professional and highly recommended.

       5/5

    20 Jul 2014
    Bob007

  • excellent and quick service

    I'm very pleased with the way things have been handled when transfering my isa's over to Aldermore. I spoke to very pleasant lady who talked me through it all. Then the paper work was sent out quickly, and also replied to by return of post. It was all done and dusted in less than 10 days with absolutely no hassle at all! EXCELLENT SERVICE!

       5/5

    19 Jul 2014

  • JUST WHAT I WANTED INVESTMENTWISE CHARLIE7

    HAVE BEEN A CUSTOMER WITH ALDERMORE FOR A FEW YEARS AND HAVE ALWAYS FOUND EXCELLENT INTEREST RATES AND ALWAYS FOUND THE STAFF VERY HELPFUL

       5/5

    17 Jul 2014
    CHARLIE7

  • Transferring an existing ISA to Aldermore

    Transferred an existing ISA to Aldermore. The process was achieved quickly, slickly and absolutely no fuss. I was kept informed of its progress through the system.

       5/5

    16 Jul 2014

  • Suited our needs very well. weejohny14

    We were looking for an annual return to replace lost income. This account met our needs with added security to our capital Aldermores online system is easy to use.

       5/5

    16 Jul 2014
    weejohny14

  • fast and efficient wilards

    This transfer was the fastest I have ever encountered, it was opened and completed within a week. They kept us fully informed, and it was extremely easy to do.

       5/5

    15 Jul 2014
    wilards

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