How your account works

Managing your account with us is simple and straightforward - and we're always on hand to help 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
• We'll write to you once a year (usually in April) with your statement and full account details
• Need to access your money? Simply log in and follow the simple on-screen instructions; it should take less than a minute
• Want to check your account details and rates? Just login whenever you like
• Contact us whenever you need to - either via our UK-based call centre on              0845 604 2678, 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

Key Features

Interest Rate Guarantee	30 Day Notice -  the gross AER is guaranteed to be at least 1.65% above Base Rate** until 1 March 2013   60 Day Notice - the gross AER is guaranteed to be at least 1.75% above Base Rate** until 1 March 2013     90 Day Notice - the gross AER is guaranteed to be at least 2.00% above Base Rate** until 1 March 2013   120 Day Notice - the gross AER is guaranteed to be at least 2.10% above Base Rate** until 1 March 2013
Tax	Interest is paid net of basic rate tax. Non tax-payers can register for interest to be paid without tax taken off
Minimum initial deposit	£1,000
Maximum deposit	£1m
Minimum additional deposit	Unlimited
Withdrawals	Unlimited, subject to the number of days' notice applicable to your account type. No early withdrawals. A gross interest rate of 0.50% will apply if the balance falls below £1,000
Paying money in	Direct Debit BACS Cheque Faster Payments Standing Order CHAPS
Number of account holders	Up to 2
How we calculate interest	Interest calculated daily. Applied to your account monthly or annually
Payment of interest	Paid to your account, another Aldermore easy access or notice account; to a UK bank or building society account in your name(s)
How you operate your account	Internet Phone Post