Easy Access Account

Our Easy Access Account makes things as easy as possible.  You get a great interest rate and total flexibility to withdraw your cash or add to your savings pot whenever you like.

  • 4.5/5 (261 reviews)

Average customer review for all our Easy Access Accounts.

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Easy Access Account

Term
Gross Annual
Interest
Gross Monthly
Interest
AER*
Term
n/a
Gross Annual Interest
1.25%
Gross Monthly Interest
1.24%
AER^
1.25%
View Account

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  • Transparent – the interest rate on our Easy Access Account is variable and doesn’t include any bonuses or introductory offers
  • 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
  • Cooling off period - 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

 

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

 

  • You’ll need to provide us with the sort code and account number of your nominated account. A nominated account is a UK bank or building society account that you can transfer money from and send money to. You must be named as an account holder on this account. All deposits into your Aldermore account must come from your nominated account and any withdrawals out of your Aldermore account (including interest payments) will be sent to your nominated account. Payments to us from any other account will not be accepted and will be returned
  • You can make deposits by Faster Payments, BACS, CHAPS or Standing Order from your nominated UK bank or building society account
  • Interest will be earned from the date on which we receive your money
  • 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
  • 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

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 Letter and your Customer ID, which you should usually receive within five business days. When you log in, we'll give you all the information you need to make the most of your new 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
  • 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
  • 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

Latest Rating and Reviews

Easy Access Account

FITTED MY NEEDS

I needed to 'park' some money as I will need it later fairly quickly. This seemed like a good product.

21st February 2020 burmagirl
Easy Access Account

Just what I needed.

I have an overall plan for my money, which was made easier, by opening an Easy Access Account. The Aldermore v11 EAA, paying 1.25% fits the bill perfectly. Since opening my first Two accounts / Isa's with Aldermore, I have been nothing other, than extremely happy, with all aspects, of my dealings with the Company.

14th February 2020 IanD123
Easy Access Account

Market comparable.

My experience is one of consistency and general efficiency.

13th February 2020 longterm1
Easy Access Account

Excellent!

Easy to open, keeps me informed on transactions and suits all my needs

11th February 2020 Janba
Easy Access Account

Excellent

Very easy process highly recommend although a tad irritating to have to a min number of characters tends to put you off doinng a review

10th February 2020 HappyofRoss

Don't want an Easy Access Account?

Fixed Rate Accounts

Up to 2.00% AER*

Suitable if you:

  • Have a lump sum to deposit and won’t want to add money further down the line
  • Want a guaranteed interest rate for the term
  • Won’t need to make withdrawals during the term

Notice Cash ISAs

1.30% AER*

Suitable if you:

  • Want all of the interest tax free
  • Want to be able to transfer in other ISAs whenever you like and add money up to the ISA allowance
  • Might need access to your money, but won’t need it instantly

Notice Accounts

1.30% AER*

Suitable if you:

  • Might need access to your money, but won’t need it instantly
  • Want to be able to deposit money whenever you like
  • Are willing to give notice to achieve a higher variable interest rate