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 (280 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

Great product and service

Suited my needs very well. Account is easy access and can pay a monthly income. It pays a good rate of interest, better than most other institutions for similar products. I like the way Aldermore pay the same rates on all similar accounts and do not reduce the rates on older accounts, nor offer short term bonuses after which the rates would be uncompetitive. The website is easy to use and telephone queries are answered promptly and professionally. My partner and I have other accounts with Aldermore, which are all simple to understand and operate, and offer good interest rates. My only wish is that the FSCS limit was higher so that we could trust more of our savings with you. Thank you.

3rd April 2020 GV59
Easy Access Account

Easy & quick to open

Easy & quick to open, although needing two separate confirmations by post is a bit tedious. Interest rate could be better, but no worse than others. Faulty programming on Your Information below: selection pop-ups did not work and manual entry is not possible.

2nd April 2020 Fred42
Easy Access Account

Easy to get quite good returns

Very easy to register and set up an account. The returns offered were as good as can be expected at this time. Its also easy to check the account and to transfer money in and out as required.

2nd April 2020 Organist
Easy Access Account

Opening an Aldermore Account

I was most impressed with the simplicity of the account opening process. I was also impressed with the speed of telephone response at a time of difficulty nationally. Thank you for making matters trouble free.

1st April 2020 PBM58
Easy Access Account

suited my needs

A bit convoluted to open a savings account, but once done the process was easy. Very competitive interest rate and easy to transfer money.

30th March 2020 KE56

Don't want an Easy Access Account?

Fixed Rate Accounts

Up to 1.75% 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 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