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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.

  • 4.4/5 (158 reviews)

Average customer review for all our Easy Access Accounts.

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FSCS ProtectedWhen you save with Aldermore you have the added peace of mind that comes from knowing your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Please bear in mind that any deposits you have above the limit are unlikely to be covered.

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%
Open an 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.

 

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

  • 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


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 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

Fulfilled my need

I was concerned that the online application gave me one account number to deposit into, the confirmation of the deposit I made stated a completely different account number. I rang the company telephone number as was told this was standard practice, that in effect their were two account numbers . I found this rather disturbing.

1st November 2018 Marshy
Easy Access Account

Simplicity

Easy to open online, few day to receive letter for customer ID, otterwise all good

12th October 2018 Tulip
Easy Access Account

just what I required

once I worked my way through the online application [with a bit of help from the staff at Aldermore] everything was fine.

23rd September 2018 olga
Easy Access Account

Slightly better than some of the other Banks

Interest rate is competitive for easy access, sadly, poor like the rest of the Banks but slightly less poor than the others. Telephone access involves fighting through IVR options and waiting for someone but at least they were pleasant and spoke English with a native tongue - refreshing in itself. Process of opening the account and getting access to the Web self service was confusing and took too long. It appears to be ok now I'm signed up but it didn't bode well.

19th September 2018 PS01
Easy Access Account

Ideal savings account

I was looking for an easy to use account which pays reasonable interest. Someone I knew had this account and had been pleased with it. It was straightforward to open and to pay into.As monies can be deposited or removed so easily the account is ideal for using spare monies without losing ability to get at it quickly

12th September 2018 Captain

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