Protection
FSCS£120,000
Min balance
£100
Max balance
£20,000
Access
Limited (max 1/year)
Interest paid
Monthly/Annually
Transfers in
Accepted
Rate Tiers
Up to 1 withdrawal
4.00%AER
Higher rate applies for the full anniversary year
2 or more withdrawals
2.00%AER
Lower rate applies from day of second withdrawal until next anniversary date
How It Stacks Up
Ranks 23rd of 115
Instant access cash ISAs we track
This account 4.00%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.90% more
- Average instant access cash ISA
- 2.91%
- Pays 1.09% more
- Best instant access cash ISA
- 4.87%
- Pays 0.87% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.75%
AER
- Pays 0.75% more than this Aldermore account
- Includes a 1.15% bonus for 12 months, then 3.60%
We may earn a commission if you open this account.
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: The rate is variable, so it can go down
Please verify all details with the provider – see our Disclaimer
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