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Easy Access Account

Our Easy Access Account gives you a great rate as well as full flexibility - so you can withdraw cash or add to your funds whenever you like.

  • 4.6/5 (77 reviews)

Five Time Winner - ISA Provider of the Year
Consumer Moneyfacts Awards 2011-15

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Don't want to lock your money away? Open an Easy Access Account with Aldermore today. It’s easy, convenient and secure. Open an account, complete identity checks and move your money in minutes.

Easy Access Account

Term
Gross Annual
Interest
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Interest
AER*
Open an Account
Term
n/a
Gross Annual Interest
0.75%
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0.75%
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0.75%
Open an account

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  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Reassurance – the variable interest rate on our Easy Access Account is guaranteed to be at least 0.50% above Base Rate** until 31 December 2017
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Flexible - add to your savings whenever you like
  • Unlimited withdrawals - access your money whenever you need it, without restriction or loss of interest
  • Easy to manage - do it online, by phone or by post
  • Savings held with Aldermore are covered by the Financial Services Compensation Scheme (FSCS). The protection limit within the Scheme for each saver is £75,000

 

Please read the Easy Access Account Summary Box and Personal Savings Terms and Conditions before you open an account.

 

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.
** Base Rate means the Bank of England Official Bank Rate.

  • You’ll need to provide us with details of a UK personal bank or building society account to link to your Aldermore account. You should be named as an account holder on this account and the account should accept Faster Payments, CHAPS and BACS. To help us keep your money safe and protect against fraud, we’ll only accept deposits from this account and we’ll always send money back to this account, for example when making payments of interest or when you make withdrawals. Payments to us from any other account will not be accepted and will be returned
  • You can make deposits at any time, by Faster Payments, BACS, CHAPS, Standing Order or cheque from your nominated UK bank or building society account
  • For deposits received via Faster Payments, BACS, CHAPS or Standing Order, interest will be earned from the date on which we receive your money and for deposits received by cheque, interest will be earned from the second business day after receipt
  • Interest is paid gross (without tax taken off). Under the Personal Savings Allowance, the first £1,000 of income from non-ISA savings (e.g. any interest earned) is tax free for basic rate taxpayers, and the first £500 is tax free for higher rate taxpayers. No Personal Savings Allowance applies if you’re an additional rate tax payer. If the interest you earn is less than your Personal Savings Allowance, you don’t have to do anything. If the interest you earn is more than your Personal Savings Allowance, you’ll have to pay tax on the difference. HMRC will normally collect the tax by changing your tax code in the PAYE system. If you fill in a Self Assessment tax return you should carry on doing this as normal. For further details on how tax will be collected, refer to the HMRC guide to the Personal Savings Allowance or visit gov.uk


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 details.

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

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

  • Once you've opened your account with us, we'll send you a welcome pack, usually within five business days with all the details you'll need to manage your account
  • Need to access your money? Simply login to your account, enter the amount you need and the payment date. We'll transfer the money to your nominated account
  • If you open an account online, you can log into your account to view and print a transaction statement at any time and a Summary of Interest will be available in internet banking shortly after the start of each tax year. If you open an account by post, we will send your transaction statement and Summary of Interest by post once a year, usually in April
  • Want to check your account details and rates? Just login whenever you like
  • Contact us whenever you need to – via our UK-based call centre on 0345 604 2678, by logging into your account and sending us a secure message or by emailing service@aldermoresavings.co.uk. Click here for our opening hours
  • No need to worry about bonus rates dropping off: there are no hidden bonuses or introductory offers - just consistently competitive rates
  • We'll write to you personally if the rate on your account changes


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

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

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