Deposits fully protected up to £85,000 per eligible person.
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All our cash ISAs accept transfers-in, so you can choose the right accounts to match your savings needs.
*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.
With our MaximISA, you can mix and match your Aldermore Cash ISA products, so you can build the perfect ISA package tailored to your needs.
So, if you don’t have your full allowance available now, you can open a Cash ISA using part of it, and when any additional funds become available you can open further products with the rest.
Although the Government recently announced changes to ISA rules to allow individuals to invest their current tax year’s ISA allowance across multiple providers, we don’t currently have the functionality to allow this. At present, if you’ve invested part of your current year’s ISA allowance in a Cash ISA with another provider, you won’t be able to invest your remaining allowance in an Aldermore Cash ISA in the current tax year. However, we are looking to introduce this option in the future.
When you open your account, you’ll be asked at the start of the application if an existing ISA is to be transferred. If it is, towards the end of the application you’ll be asked to provide the details of the ISA to be transferred.
Where your existing provider subscribes to the electronic Cash ISA transfer platform, your request will be submitted electronically.
If your existing provider doesn’t subscribe to the electronic platform, you’ll need to print and send us a completed ISA transfer form, which is provided to you at the end of your application.
Please make sure that any ISA Transfer Forms are returned within 14 calendar days from the date of application.
You can split your annual ISA allowance across the different ISA types - Cash ISA, Stocks and Shares ISA, Innovative Finance ISA and Lifetime ISA - or save the whole allowance in one type of ISA (apart from the Lifetime ISA, which has a limit of £4,000).
Aldermore offers Cash ISAs only. You can split your Cash ISA allowance between any of our Cash ISA products. This will be classed as one Cash ISA for the purposes of tax-free allowances and HMRC reporting.
Although the Government recently announced changes to ISA rules to allow individuals to invest their current tax year’s ISA allowance across multiple providers, we don’t currently have the functionality to allow this. At present, if you’ve invested part of your current year’s ISA allowance in a Cash ISA with another provider, you won’t be able to invest your remaining allowance in an Aldermore Cash ISA in the current tax year. However, we are looking to introduce this option in the future.
If you’ve got existing ISAs with other providers from previous tax years, these don’t count towards your £20,000 annual allowance so you can transfer these to us in full. By bringing all of your ISAs together in one place, you can manage your ISA portfolio with ease.
The current tax year allowance (ends 5 April 2025) is £20,000.
You can transfer an ISA by following the usual transfer process. All of our Cash ISAs are flexible but if you transfer them to another provider, the provider that you transfer to may not offer flexibility in which case your ISA will no longer be flexible when it moves to them.
If you transfer an ISA from another provider into one of our cash ISAs, it will automatically become flexible.
Things you need to know
To view all current and previous rates for our personal savings accounts variable rate products, please click here.