Explore our range

  • Low minimum deposit

    Open an account with just £100.

  • Rated "excellent"

    Our personal savings customers rate us ‘excellent’ on Trustpilot.

  • Transfer your ISA

    All our cash ISAs accept transfers in.

  • Anniversary reset

    Your interest rate and withdrawals will automatically reset annually.

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Is it right for me?

  • The interest rates on our Reward Cash ISAs are variable.
  • Access to your money whenever you need it.
  • Interest you earn on ISAs is tax free and doesn’t count towards your Personal Savings Allowance.
  • Your ISA allowance can be split between any of our cash ISA products, as long as you don’t exceed your annual ISA allowance.
  • Easily transfer ISAs from other providers.
  •  If you change your mind within 14 calendar days of opening your account, we’ll cancel your account and return your money without penalty or notice.
  • Your interest rate depends on how many times you take money out in any anniversary year. An anniversary year is the 12 month period commencing on the opening date of your account and then renewing on each annual anniversary.
  • You’ll be rewarded with the higher interest rate if you limit the number of withdrawals to a maximum of one withdrawal for a single access account, and a maximum of two withdrawals for a double access account. If you make additional withdrawals, the lower interest rate will apply from that date to the day before the anniversary of your account opening. 

Our Reward Cash ISA accounts

Reward ISA Single Access Account Issue 3

Interest rate (AER*)

  • 4.40% Up to one withdrawal
  • 2.90% Two or more withdrawals

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

Minimum opening balance

£100

Suitable if you

  • Want all of the interest tax free
  • Want to be able to transfer in other ISAs and add money up to the ISA allowance
  • Are unlikely to make more than one withdrawal a year. Your interest rate will reduce to 2.90% AER from your second withdrawal for the remainder of that anniversary year.
Read more & apply

Reward ISA Double Access Account Issue 2

Interest rate (AER*)

  • 4.15% Up to two withdrawals
  • 2.90% Three or more withdrawals

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

Minimum opening balance

£100

Suitable if you

  • Want all of the interest tax free
  • Want to be able to transfer in other ISAs and add money up to the ISA allowance
  • Are unlikely to make more than two withdrawals each year. Your interest rate will reduce to 2.90% AER from your third withdrawal for the remainder of that anniversary year.
Read more & apply

Please read the summary box and Personal Savings Terms and Conditions before you open an account. To view all current and previous rates for our personal savings accounts variable rate products, please click here. 

Our Reward cash ISAs are designed to help you earn more interest on your savings with competitive rates in the ISA market. Our rates are regularly reviewed to remain competitive. It’s recommended that you check independent comparison websites to see how we compare and make the most of your savings.

From cash ISAs to regular savings accounts and everything in between—enjoy more choice with our full range of personal savings options.

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Looking to open multiple ISAs?

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.

Following changes announced in 2024, you can now invest your current year’s ISA allowance across multiple cash ISA providers. So, if you’ve invested part of your current year’s ISA allowance with another bank or building society, you can invest the remainder of the allowance in an Aldermore cash ISA.

Discover our full range of Cash ISAs
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ISA Transfers

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.

Read more about ISA Transfers

Cash ISA FAQs

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.

Following changes announced in 2024, you can now invest your current year’s ISA allowance across multiple cash ISA providers. So, if you’ve invested part of your current year’s ISA allowance with another bank or building society, you can invest the remainder of the allowance in an Aldermore cash ISA.

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 2026) 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

  • Your interest rate depends on how many times you take money out in any anniversary year. An anniversary year is the 12 month period commencing on the opening date of your account and then renewing on each annual anniversary. 

Reward ISA Double Access Account : The lower interest rate will apply from the day of your third withdrawal to the day before the anniversary of your account opening. From your anniversary date, your interest rate and withdrawals reset.

Reward ISA Single Access Account: The lower interest rate will apply from the day of your second withdrawal to the day before the anniversary of your account opening. From your anniversary date, your interest rate and withdrawals reset

  • Your annual ISA allowance for the 2025/2026 tax year is £20,000. You can split the 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)
  • We only provide cash ISAs. 
  • You can make deposits up to £20,000 by Faster Payments, BACS, CHAPS or Standing Order from your nominated UK bank or building society account. You can also transfer existing ISAs from other providers into this account, up to the amount held
  • Interest will be earned from the date on which we receive your money
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future
  • There are no fees or charges for standard account services. We may make a charge for any exceptional non-standard services which are made available to you on a discretionary basis
  • We reserve the right to withdraw  these accounts from sale at any time

See what our customers think

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