All our accounts are open to UK residents aged over 18.

Opening an account is easy. All you'll need is the sort code and account number of your personal UK bank or building society account. And if you have your passport or driving licence handy, this can help speed things up too.
 
Then click on apply now and you'll be ready to go.

If you'd like to apply by phone, please call 0845 604 2678.

Yes, you can open an unlimited number of accounts. Many people do this and name their savings accounts according to what they're saving for or choose different accounts depending on how far ahead they want to save (e.g. short-term needs such as repairs, a new car, or holiday, and longer term e.g. towards retirement or 'rainy day' needs)

You can have up to 2 account holders per account. We assume that you both have equal share of the money in the account and you are both jointly liable for the account.

We will usually act on a sole instruction from either of you unless you advise us of a dispute on the account.

To advise us of a dispute on the account, please write to us. In this case you will need to operate the account by post and include the signatures of both account holders until such time as you notify us otherwise.

As with all UK savings accounts, we check your identity and address before you open an account. To make this as easy as possible for you, we do this by checking a number of electronic databases. In a minority of cases we may sometimes need to ask you to send us some identification by post. We will tell you this before you open an account. We also carry out a number of fraud checks when we open your account.

There are only 2 reasons why you would need to give us your National Insurance number:

• If you are opening a Cash ISA
• If you are a non-tax payer and you'd like to receive your interest without tax taken off as a non tax payer

If you open a Fixed Rate Account, there is no cooling off period. However, for all our other accounts, if you change your mind within 14 days of opening the account, give us a call and we'll return the money for you with interest, waiving any notice periods or charges.

As a UK bank, your money is protected by the Financial Services Compensation Scheme.
This means that all the money you hold with us is guaranteed up to £50,000 per person (£100,000 for money held in joint names).

By Direct Debit

The easiest and safest way to pay money into your account is to set up a Direct Debit as part of your online application - then sit back as we do the rest for you. Providing you give us details of your nominated account and we can identify you, you will be given this option.

Alternatively, once we have set up your account you can move money or arrange a regular deposit at any time by logging into your account or calling us.

By cheque

Simply send us a cheque made payable to 'Aldermore re your account number or surname(s)'.

By BACS, CHAPS or Faster Payments

Contact your bank or building society and quote the following details:

• Our Account Number: 63684431
• Our Sort Code: 20-19-90
• Beneficiary: Aldermore Bank PLC
• Reference: your account opening reference or account number + first 3 letters of your surname

IMPORTANT:

• If your bank or building society does not include your reference number when they submit your instruction, it may not be possible to allocate the funds to your account. In this case we will return the funds without interest by BACS; this typically takes 3 business days.
• The Faster Payments system has a maximum limit of £10,000 per transaction.
• Please ensure your bank or building society do not send us your deposit into a Fixed Rate Account as multiple payments as this may result in some of the payments being rejected.

By Transfer from another Cash ISA provider (Cash ISA only)

Simply log into your account and then click 'ISA Transfer In' from the menu, or call us to request a Transfer In form.

It is not possible to pay money into an existing Fixed Rate Account, however, we can always open another for you.

Simply click to apply for your chosen account from our website or call us.

If you hold a Cash ISA with another provider you can transfer some or all of your balance to your Aldermore ISA as part of your application. Alternatively, for Notice Cash ISAs only, you can do so at any time by logging into your account and clicking 'ISA Transfer In' from the menu, or by calling us for a Transfer In form. Provided you stay within the HMRC ISA rules you can open as many Fixed Rate Cash ISAs with us as you like.

A nominated account is an account that we link to your savings account so that you can transfer money between accounts safely and securely whenever you like. It should be a UK personal bank or building society account in your name(s) that accepts Direct Debits

Subject to account terms and conditions:

• Money paid in by BACS, CHAPS, Faster Payments or Standing Order will typically be available for withdrawal on the day of receipt.
• Money paid in by Direct Debit will typically be available on the 3^rd business day following the day of receipt.
• Money paid in by cheque will typically be available for withdrawal on the 6^th business day following the day of receipt.

You can keep track of your money whenever you like by logging into your account.

In addition, we will send you a statement by post in April each year and, if you have your interest paid monthly, we will send you a further statement in October.

There are no charges for the day-to-day operation of your account, however there may be a small charge for some non-standard services, please see our Tariff of Charges for details.

No.

Click here and follow the on-screen instructions.

You will need your User ID, Password and Memorable Details handy.

The easiest way to withdraw money is online by logging into your account or by calling us.

We move money to your nominated account by BACS which takes up to 4 business days. Same-day CHAPS transfers are available by phone although a £30 charge applies.

The easiest way to withdraw money is online by logging into your account or by calling us to give the number of calendar days' notice appropriate to your account.

We will move the money to your nominated account for you on the selected date by BACS which takes up to 4 business days. It is not possible to withdraw money from your notice account without giving the full notice.

The easiest way to withdraw money is online by logging into your account or by calling us to give the number of calendar days' notice appropriate to your Cash ISA. We will move the money to your nominated account for you on the selected date by BACS which takes up to 4 business days.

Alternatively you can transfer your Cash ISA to another provider by contacting them and advising them of a transfer date.

You can withdraw your money or transfer your account to another provider without giving full notice however a penalty equivalent to 30 days' loss of interest applies.

Withdrawals are not permitted until the end of the term. However, you can withdraw all or some of your money or transfer your Cash ISA to another provider before the end of the term, subject to a deduction of interest, depending on the fixed rate term. (1year 120 days' loss of interest; 2 years 180 days' loss of interest; 3 years 180 days' loss of interest.) You can do this by calling us.

It is not possible to withdraw money from your Fixed Rate Account during the term of the account. For this reason, you should only pay money in that you are sure you will not need access to for the full term.

Simply log into your account, select the Unprocessed Instruction and follow the on-screen instructions. Alternatively, you can call us.

You can reset your password in minutes simply by clicking the Log In button on our website and then by clicking on Forgotten Password?

Please call us immediately. We will check your account for you and set up new account or security details straightaway.

We take all security matters very seriously and use the latest technology and rigorous security measures to safeguard your account, including:

• encryption technology
• firewall protection
• secure log in
• system time-out
• last login date and time
• online certificates
• telephone help

encryption technology

We provide a safe and secure environment in which to operate your online savings account.

Your access and use of our web site is validated and protected using the Secure Socket Layer (SSL) protocol, using 128-bit encryption, the latest encryption technology, so that information passed between us and you is scrambled, and cannot be read or understood by anyone else.

You should also see a padlock symbol or key appear in your web browser, which indicates that the session is secure and the web site address begins https:// rather than http://. It is important that the browser software you use supports 128-bit encryption that is used by us. Older versions of browsers may not offer this support.

In addition, if you are using Internet Explorer 7 or later, you may see the address bar turn Green, which is additional security that you are accessing a genuine Aldermore website.

firewall protection

We use firewalls to restrict access to our systems and routine monitoring is performed to protect your information from unauthorised access.

secure log in

Your account can only be accessed by entering your unique User ID and password. Additional secret data e.g. a PIN or personal memorable data may also be required for some services.

system time-out

You will be automatically logged out of your account if you leave your screen inactive for more than five minutes. Whilst you should always log off, whenever you leave your computer, the automatic time-out provides some additional protection.

last login date and time

Whenever you log in to your account, the date and time that you last logged in is displayed for your protection.

online certificates

We use online security certificates, issued by VeriSign, so that you can verify that our web site is genuine. Clicking on the gold padlock at the bottom of the web browser allows you to view our certificate. If a warning message is displayed, you should not enter the site.

Contact us immediately if you think your account has been accessed by anyone other than yourself.

As a UK bank, your money is protected by the Financial Services Compensation Scheme. This means that all the money you hold with us is guaranteed up to £50,000 per person (£100,000 for money held in joint names).

Please note: this may not apply for some commercial organisations such as large companies, large partnerships or large mutual organisations. Please see www.fscs.org.uk for further information.

You can pay money into your account in a number of ways:

By cheque

Simply send us a cheque made payable to 'Aldermore re your account number or surname or company name'.

By BACS, CHAPS or Faster Payments

Contact your bank or building society and quote the following details:

• Our Account Number: 63684431
• Our Sort Code: 20-19-90
• Beneficiary: Aldermore Bank PLC
• Reference: Your account number and surname or company name

IMPORTANT:

• If your bank or building society does not include your reference number when they submit your instruction, it may not be possible to allocate the funds to your account. In this case we will return the funds without interest by BACS; this typically takes 3 business days.
• The Faster Payments system has a maximum limit of £10,000 per transaction

By Direct Debit

If you have provided details of a *nominated account, simply write to us with details of the money you would like to move from this account. Please ensure it is signed by all appropriate signatories and allow at least 6 business days before the date on which you’d like the money to be in your account.

Instructions should be sent to our freepost address.

* for information on nominated accounts, please see ‘What is a nominated account?’

It is not possible to pay money into an existing Fixed Rate Account.

Money paid in by BACS, CHAPS, Faster Payments, Direct Debit or Standing Order will typically earn interest from the day of receipt.

Money paid in by cheque will typically earn interest from the 2^nd business day after the day of receipt.

Subject to account terms and conditions:

A nominated account is an account that we link to your savings account so that you can transfer money between accounts safely and securely whenever you like. It should be a UK personal bank or building society account in your name(s) that accepts Direct Debits

For information about your account or to make any changes, simply send us a written instruction, signed by all appropriate account holders, to our freepost address.

We will typically carry out your instructions and confirm in writing to you within 5 business days of receipt of your instruction.

We will send you a statement by post in April each year and, if you have your interest paid monthly, we will send you a further statement in October

There are no charges for the day-to-day operation of your account, however there may be a small charge for some non-standard services, please see our Tariff of Charges for details

No.

Simply write to us with details of the withdrawal you’d like to make, ensuring the instruction is signed by all appropriate signatories. We typically move money to your nominated account by BACS which takes up to 4 business days or by cheque, payable to all account holders. Same-day CHAPS transfers are available although a £30 charge applies.

Instructions should be sent to our freepost address.

Simply write to us with details of the withdrawal you’d like to make, including the date and ensuring the instruction is signed by all appropriate signatories. We typically move money to your nominated account by BACS which takes up to 4 business days from the day of the withdrawal or by cheque, payable to all account holders. Same-day CHAPS transfers are available although a £30 charge applies.

It is not possible to withdraw money from your notice account without giving the full notice applicable to your account type.

It is not possible to withdraw money from your Fixed Rate Account during the term of the account. For this reason, you should only pay money in that you are sure you will not need access to for the full term.

Simply send us a written instruction, signed by all appropriate signatories, to our freepost address.

We will typically carry out your instructions and confirm in writing to you within 5 business days of receipt of your instruction.

Please call us and we will send you an Addition of Signatory form to complete and return to us. Please ensure it is signed by all appropriate existing signatories.

When you complete the form, any new signatory will need to provide consent for us to check electronic databases to validate their identity. In some cases, we may also need personal identification documents.

Simply send us a written instruction, signed by all appropriate signatories, to our freepost address.

We will typically carry out your instruction and confirm in writing within 5 business days.