Cash ISACompare 5 Year Fixed Rate Cash ISAs

Aldermore 5 Year Fixed Rate Cash ISA Review

One of the best-paying five-year cash ISAs, from Aldermore, with a £1,000 minimum deposit. It ranks 3rd of 32 five-year cash ISAs we track.

Fixed rate · 5 years

5.12%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£20,000

Access

5 Years

Interest paid

Monthly/Annually

Transfers in

Accepted

How It Stacks Up

Ranks 3rd of 32

5-year cash ISAs we track

Among the best
This account 5.12%
UK CPI (Aug 2026)
3.10%
Pays 2.02% more
Average 5-year cash ISA
4.76%
Pays 0.36% more
Best 5-year cash ISA
5.25%
Pays 0.13% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare cash ISAs

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want a monthly income
  • Pro: Flexible: take money out and put it back in the same tax year without using more allowance

Worth Weighing Up

  • Con: You need at least £1,000 to open it

Good to Know

Opened and managed online only; a minimum deposit of £1,000 must be made within 14 calendar days of opening.

Please verify all details with the provider – see our Disclaimer

See all Aldermore accounts

Estimated returns with Aldermore's Cash ISA

What you could earn with Aldermore's 5 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£284

At 5.12% AER

£5,000 saved

£1,418

At 5.12% AER

£10,000 saved

£2,836

At 5.12% AER

£20,000 saved

£5,672

At 5.12% AER

Estimated over the 60-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Aldermore 5 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Aldermore's 5 Year Fixed Rate Cash ISA pays 5.12%, which sits above the cash ISA market average and just 0.13% behind the category leader at 5.25%, so it is a reasonable place to park ISA money for the long term. At 2.02% above August 2026 CPI of 3.1%, your savings would be growing in real terms. The account suits someone with between £1,000 and £20,000 of ISA funds to lock away, and transfers in are accepted, which is useful for consolidating older ISAs. The genuine catch is the five-year lock-in; early access carries a 180-day interest penalty.

Compare Cash ISAs

2 alternatives to Aldermore's 5 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate Cash ISA

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