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Easy Access Account

With the Easy Access Business Savings Account, you can take control of your cash and earn a competitive rate

  • 4.7/5 (387 reviews)

Average review for all our Easy Access Account products

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  • 01733 821 321 02 and 03 numbers are charged at standard call rates and included in most mobile and landline operators inclusive minute packages

Easy Access Account

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Open an Account
Term
n/a
Gross Annual Interest
0.85%
Gross Monthly Interest
0.85%
AER^
0.85%
Open an account

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  • Competitive rates of interest with no tricks, gimmicks, bonuses or introductory offers to keep an eye on
  • Fast and simple account opening. Apply, complete identity checks and arrange to move money all online, leaving you free to focus on running your business
  • Once you’ve funded your Easy Access Account, you can pay more money in, make withdrawals to your nominated account or transfer money to other Aldermore Business Savings Accounts whenever you like.
  • Available to UK businesses without the need to change your existing bank current account
  • Safe and secure online banking 24/7 - do it online anytime, anywhere
  • UK-based expert telephone support - our UK-based customer service team are available at a time to suit you
  • 14 day cooling off period - if you change your mind within 14 days of funding your new Business Savings Account we'll be happy to refund your savings
  • Easy to add or remove names or change user levels
  • Open an account with just £1,000
  • No fees or charges for day to day services

What you'll need to open your account in just 15 minutes:

  • A UK-based business, where all directors, owners and account users are aged 18 or over, resident in the UK and only liable to pay tax in the UK
  • Your business details (name, address and if you have one, your company registration number)
  • The sort code and account number for your business bank or building society account. The account must allow transfers to be made and received electronically and will be known as your nominated account. You can only transfer money into your Aldermore account from your nominated account or from an existing Aldermore Business Savings Account that allows transfers out.
  • A mobile telephone that can receive text messages. This is how Aldermore will send you your account password and without it you will be unable to log into your account
  • Internet access, as all of our business savings accounts are open and managed online
  • We do not provide accounts for client money or accounts to be held in trust


You should keep at least £1,000 in your account at any one time. An interest rate of 0.05% AER is payable on balances below £1,000.

To view full Business Savings Terms and Conditions, please click here

Managing your account with us is simple and straightforward. Check our Key Features for more information on how your account works.

Fees and Charges

You won't have to pay any fees or charges, although there may be a small charge for non-standard services - check our tariff of charges for more detail.

Managing your account is simple and straightforward and we're always on hand to help if you have any questions. Here's how it works.

Once you've opened your Business Savings Account with us we'll send you everything you need to make a deposit and operate your account.

Your Nominated Account
Your nominated account is the UK business bank or building society account you register with us when you open your Aldermore account. You can only transfer money into your Aldermore account from your nominated account or from an existing Aldermore Business Savings Account that allows transfers out.

To transfer money from your nominated account, simply contact your bank or building society and ask them to transfer the amount you require (deposits can be made by Faster Payments, BACS, CHAPS or Standing Order).

You will need to provide your Aldermore Business Savings Account number (once you’ve opened your account, you’ll find this 8 digit number on the first screen in Internet Banking, under 'accounts'), Sort Code (23-33-43) and Beneficiary/Payee Name (your business name).

Interest
Interest is paid gross (without tax taken off) for all business types. For guidance about your tax liability, we would suggest consulting your tax adviser or the HM Revenue and Customs at www.hmrc.gov.uk

Withdrawals
To make a withdrawal, click on the Easy Access account you wish to withdraw money from in Internet Banking. On the next page you will see a section called Account Tools in the bottom right-hand corner of the screen. This will contain a link to 'withdraw funds'. Please note this link will only be visible if the account has been funded.

Transfers
If you have more than one Aldermore Business Savings Account, you can transfer money between your accounts online. To do this, simply click on the Easy Access Account you wish to transfer money from in Internet Banking. In the Accounts Tools section in the bottom right-hand corner of the screen there will be a link to ‘Transfer Between My Accounts'. This link will only be visible if you have another account that is eligible to receive funds.  

Change Your Password
You can change your password by logging in to your account with the details provided and select the Settings link.

Reset Your Password
If you've forgotten your password you can reset it in minutes. Simply go to the Internet Banking login page and select 'Reset password'.

Add and Remove Users
It's easy to add or remove names or change the user levels on your account by simply selecting the 'Manage Users' link.

Make Changes to Your Account
You can update or amend most information relating to your account online. We may ask you to send us supporting documentation by post or email once a change has been requested.

Statements
Your statement will be available via internet banking as a PDF that you can both print and save.

View Account History
You can view transactions on your account right back to the time you opened the account, simply log in to your account and select the Account History.

Contact Us
Contact us whenever you need to via:
Our UK-based call centre on 01733 821 321. (We know you're not tied to your desk. So when you call us on your mobile we've made sure you can talk to us at a local and not a premium rate. Just another way we put you first). We are open 8am-6.30pm, Monday to Friday, excluding Bank Holidays. Calls may be recorded for training and monitoring purposes.

By emailing us at businesssavings@aldermore.co.uk

Tax Interest is paid gross (without tax taken off) for all business types. For guidance about your tax liability, we would suggest consulting your tax adviser or the HM Revenue and Customs at www.hmrc.gov.uk
Interest payments Interest is calculated on a daily basis and is paid monthly or annually. It can be paid to your savings account or your nominated account.
Minimum deposit £1,000
Maximum deposit £1m. Please contact our Corporate Savings Team on 0203 553 4208 if you would like to make a deposit in excess of £1m.
Minimum balance £1,000  an interest rate of 0.05% is payable on balances below minimum balance.
Cooling off period If you change your mind within 14 days of funding your business savings account we will cancel your account. No notice periods or penalties will apply. If your account remains unfunded after 45 days it may be automatically closed.
Withdrawals and transfers

Unlimited fee-free withdrawals to your nominated account or transfers to another Aldermore Business Savings Account

Paying money in

From your nominated account, by the following methods: BACS, Faster Payments, Standing Order, CHAPS. Payments by cheques are not accepted.
You will need to provide your Aldermore Business Savings Account number (once you’ve opened your account, you’ll find this 8 digit number on the first screen in Internet Banking, under 'accounts'), Sort Code (23-33-43) and Beneficiary/Payee Name (your business name)

By transfer from an existing Aldermore Business Savings Account

Payment of interest Paid to your account or to a nominated UK bank or building society account in your business name.
Statements Available via Internet banking to print and save.
How to operate your account Online but our UK experts are on hand if you need to call them phone 01733 821 321.
We are open 8am-6.30pm, Monday to Friday, excluding Bank Holidays. Calls may be recorded for training and monitoring purposes.

The rates we have previously paid on our Easy Access Account are shown on our Historic Rates Page.

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

Latest Rating and Reviews

Easy Access

good service, poor interest rate

This is a good account in terms of ease of opening, customer service and the flexibility of withdrawals etc.However, the interest rate meant I hesitated in opening the account. It's almost not worth the bother, although I appreciate there's very little alternative and Aldermore's hands are tied by the Bank of England. It does mean that savers like myself will be forced to look at other options such as the stock market, bonds etc for spare cash.

22nd August 2016
Easy Access

Excellent Experience

Opening account is quick and simple.Opening other accounts involves exchanges by post eye but with Aldermore everything can be done in minutes online.

21st August 2016 Wreckless58
Easy Access

The Ink is'nt Dry

Moved £100,000 from my business to Aldermore. The ink is'nt even dry and you have dropped the rate NICE ONE.

18th August 2016
Easy Access

NORTHERN IRELAND NOT IN UK !

ALDERMORE SAY THEY DON'T DO LOANS TO BUSINESS IN N.IRELAND BUT DO TO BUSINESSES IN THE UK.GEOGRAPHY LESSON REQUIRED. CLOSED OUR INSTANT ACCESS ACCOUNT NEXT DAY-NEVER AGAIN.

5th August 2016 DISSAPOINTED
Easy Access

Easy to open and use

My friend recommended Aldermore, as an easy to use business bank account, and I totally agree with her. Bonus the rates are really good at the moment too!

3rd August 2016 Kaz65