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Aldermore ISAs

Compare a selection of ISAs from different providers.

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.10%
  • Term: 3 Years
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 0.85%
  • Term: 1 Year

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.05%
  • Term: 2 Year

30 Day Notice Cash ISA

from Aldermore

Interest Rate (AER) 0.55%
  • Term: Easy Access
  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.
  • Invest From: £25 pm

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK.
  • Invest From: £25 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in shares, funds, investment trusts, exchange traded funds. 5 Ready made portfolios if you are not sure where to invest. Capital at risk.
  • Invest From: £1 pm

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Who are Aldermore Group?

Aldermore are a UK bank who provide personal and business finance products to retail customers. They offer financial services to their customers ranging from ISA accounts, to mortgages, to business loans and more.

Founded in 2009, Aldermore were acquired by the South African banking conglomerate First Rand in March 2018, having previously been listed on the FTSE 250.

Aldermore provide ISA accounts for personal investors in the form of Cash ISAs.

What is an ISA account?

An ISA account is a savings account that shelters your money from the following taxes:

  • Capital Gains Tax
  • Income tax on dividends
  • Income tax on interest

Aldermore ISAs are Cash ISAs, so they only produce interest and not investment growth or dividends.

If you hold a non-ISA savings account that generates interest, you usually have to pay tax on the interest you receive and declare it to HMRC if you earn over the annual tax-free threshold.

However, in an ISA, you never need to worry about tax on your savings.

There is a limit to how much you can put into an ISA each tax year, and for the current year, it’s £20,000.

What types of Cash ISAs do Aldermore offer?

Aldermore’s Cash ISAs vary based on the accessibility of each account.

There are two main types of Cash ISA accounts that Aldermore offer, variable-rate ISAs and fixed-rate ISAs.

Aldermore’s fixed-rate Cash ISAs:

Fixed-rate ISAs provide a guaranteed interest rate over a specified term of 1-5 years.

The longer term you commit to, the higher interest rates you’ll get.

However, you’re discouraged from withdrawing within the term of your ISA, and you’ll lose a portion of the interest you’ve earned if you do so.

Aldermore’s variable-rate Cash ISAs:

If you want an ISA with more flexibility of access, then you can invest in a variable-rate Cash ISA.

Aldermore’s Notice Cash ISA requires you to give 30 days' notice before withdrawing, but you can then withdraw without charge and without losing your interest.

You get lower interest rates and the rates aren’t fixed or guaranteed, but you aren’t charged if you end up needing to take some money out.

Are Aldermore’s Cash ISAs Flexible ISAs?

All of Aldermore’s Cash ISAs are Flexi-ISAs. This means if you do end up withdrawing, you don’t lose your ISA allowance.

Example scenario:

  • You contribute £20,000 to an Aldermore Cash ISA
  • Within the same tax year, you urgently need some funds and make a £5,000 withdrawal
  • Later in the same tax year, you find yourself with £5,000 ready to put back into your ISA
  • A non-flexible ISA would not allow any further contributions, as you’ve already used your full £20,000 allowance at the beginning of the year
  • However, Aldermore’s Flexi-ISA allows you to keep your allowance if you withdraw, so in this case, you can still add your £5,000 back in

How do I open an Aldermore ISA?

The best way to open an Aldermore Cash ISA is online.

There are a few requirements you must meet before you open an account:

  1. You must be at least 18
  2. You must be a UK resident
  3. You must have read and understood the T&Cs
  4. You must have a UK bank account from which to make your bank transfer contributions into your ISA

You’ll also need to have your personal details to hand, like your name, date of birth, address and NI number.

You’ll also need your bank account details to make your contribution. Specifically, your sort code and account number.

Can I withdraw from an Aldermore Cash ISA?

You can withdraw from an Aldermore Cash ISA; however, you may need to wait out your notice period, or face your interest being void if you have a fixed-rate Cash ISA.

Make sure you understand the terms of your ISA account before you invest so that you’re comfortable with your withdrawal options.

Can I transfer my old ISAs to an Aldermore ISA?

If you have previous years’ ISA accounts that you want to move to an Aldermore ISA, you can transfer them over.

To do this:

  • Check if there are any transfer charges or penalties with your old ISA provider
  • Complete an ISA transfer form with Aldermore
  • Aldermore will then complete your ISA transfer for you

Remember – you can’t transfer your ISA yourself by just withdrawing your existing ISA and contributing the money to a new ISA.

This will involve your existing ISA funds losing their ISA status, which means when you contribute the money to your new ISA it will use up your allowance.

If you transfer your ISA with a transfer form and follow the above steps, your ISA transfer will not form part of your allowance. This allows you to transfer as many ISAs as you want in each tax year. 

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2021/22 tax year.

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

HOW YOU COULD GROW YOUR MONEY, FREE OF UK TAX

Your simple guide to ISAs

If you're thinking about saving or investing, an ISA (Individual Savings Account) is a great place to begin.

This simple guide will give you all the information and resources you need to get started. You'll learn:

  1. What an ISA is, and how it works
  2. The different types of ISAs available
  3. How many ISAs you can have
  4. How much you can put in an ISA

Get your FREE Guide »

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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