Easy Access Account

Flexible saving that gives you easy access to your money, whenever you need it.

If you want to save for your future yet access your funds straight away, our Easy Access Account is for you.



The interest rate is a bank managed rate of 1.40% Gross/AER.

Interest accrues on the daily balance at the above rate. This rate may vary from time to time and we will notify you of any changes.

Interest is added to/deducted from the account on the 31 December each year.

Yes. This account pays a variable rate of interest it can change over time and our account conditions explain how this happens. We will always let you know of any planned changes to the rate. For example, we may review our interest rates if the Bank of England base rate changes.

If you deposit £1,000 when you open the account, the balance after 12 months will be £1,014.00.

This assumes:

  • You do not withdraw any money and interest is paid into this account.
  • The interest rate stays the same.
  • You do not add any more money.

A minimum deposit of £1 is required when opening an account.

You can apply online for an account here or you can fill out a paper form and post it to us. Copies of these forms can be found at the bottom of this page.

Once a fully completed application form is received in the post and the necessary checks have been carried out by our team, we will be delighted to open your account with us.

If you change your mind, you can advise us in writing and we will cancel the account free of charge within 14 days of opening.

Deposits can be added at any time by online banking, standing order or post.

To register for internet banking, click here and select the ‘Register’ button.

Information can be requested via online banking or over the phone. If you would like to make a withdrawal, this can be arranged via online banking or over the phone.

All withdrawals must be made to an account in the same name.

Yes. You can make two withdrawals from this account per calendar month and there is no charge for doing so.

All withdrawals must be made to a UK account in the same name.

‘AER’ stands for Annual Equivalent Rate. Whenever you see an advert for a savings account which shows an interest rate, you will see the AER. This means you can use the AER to compare accounts. It shows what the interest rate would be if your interest was paid and compounded once each year.

You can also call us on 0115 921 7260 to begin setting up your account.