As an existing customer, opening a new account is really easy! Simply click on 'Open New Account', select your chosen account and follow the on-screen instructions.

Yes, you can open as many accounts as you wish. The only exception to this is Cash ISAs, where you need to ensure that you don't exceed the Cash ISA allowance for the current tax year.

To open another account, simply click on 'Open New Account', select your chosen account and follow the on-screen instructions.

Your account will be opened on the day we receive your money.

Once you have opened a new account you will usually be able to see it on the 'Summary' page. We'll also send a secure message to your Inbox confirming your new account details.

If you have opened an account and cannot see it online within 1 business day of the date we should receive your funds, please contact us. Please quote the reference number provided to you when your new account application was submitted.

You will start to earn interest from the day your money reaches your new account.

The most likely reason for not being able to view your new account online is that you have tried to open an account using uncleared funds from either your nominated account or existing Aldermore account. In this case, we will not have been able to open your account until your funds have cleared.

If you have any queries, please contact us. Please quote the reference number provided to you when your new account application was submitted.

If you have any questions about the account you're opening and you haven't been able to find the information you need, please let us know.

If you're having any difficulty reading the information that we provide online, you can change the size, font and colour of website text in your browser. We can also provide the terms and conditions booklet and other Personal Savings documents in large print, braille or audio.

If you have any other specific needs, or are going through a challenging time and need some help, you can let us know either by calling us on 0345 604 2678, by writing to us or by sending a secure message when you're logged into your account. You can find our contact details, including the opening hours of our UK-based call centre, on the Contact Us page.

For initial deposits, and additional deposits where the terms and conditions of your account allow, you can pay money into your Aldermore account from your nominated account by Faster Payments, BACS, CHAPS or standing order.

Simply contact your nominated bank or building society and quote the following details:

* Your Full Name: First and surname
* Our Account Number: 63684431
* Our Sort Code: 20-19-90 (this may show as Barclays, we partner with them as our clearing bank)
* Reference: Your seven-digit account number

Your bank may apply a maximum limit per transaction for payments made by Faster Payments and BACS.

It may take up to two business days for a payment to show on the account, however you'll earn interest from the business day on which the payment was received.

Money paid in by Faster Payments, BACS or CHAPS will normally be cleared and available for withdrawal (where the terms and conditions of the account allow) on the business day that it is received, or the following business day if it is received after 2pm.

For money transferred electronically, you will start to earn interest immediately from the day we receive your money.

If you wish to change a regular transfer, simply click on 'Account Options', select 'Statement' and scroll down to see all unprocessed instructions. If you then click on 'View' against the 'pending' transaction, you will be able to 'Delete' the transaction(s).

If you already hold a Notice Cash ISA, Easy Access Cash ISA or Reward Cash ISA with us, to transfer money held in an ISA with another provider, simply print either a Cash ISA or Stocks and Shares ISA Transfer Form for each ISA that you'd like to transfer, complete it and send it back to us.

You cannot transfer an ISA held with another provider into an existing Fixed Rate Cash ISA. However, you can open a new Fixed Rate Cash ISA for each ISA you'd like to transfer by clicking on 'Open New Account'. If you open a new Fixed Rate Cash ISA, we'll process the transfer electronically if we can or we'll provide a Transfer Form for you to complete and return to us.

If you have an existing Aldermore Help to Buy: ISA, you can transfer in money from an existing Cash ISA or Stocks and Shares ISA with another provider, but this will be subject to the maximum subscription £200 per calendar month.

Transfer made from another Aldermore account

You can check the status of any transfer you have requested online by clicking on 'Account Options' and selecting 'Statement'.

If you instructed us to make a transfer online but cannot see a record of the transfer on your account, it is possible that you did not fully complete the instruction. If you cannot see a record of the transfer on the 'Account Statement' page then we will not have made the transfer for you. However, if you are still unsure, please contact us and we will be able to confirm this for you.

Transfer made from your other bank or building society

If you have instructed your bank or building society to send us a payment by Faster Payments, BACS or CHAPS, it may take up to two business days for the payment to show on the account.

It is possible that your reference number or account number were not quoted by your bank, in which case we may have been unable to allocate the money to your account. If this is the case, then your funds will have been returned to your bank.

The 'Cleared' Balance is the actual value of money available to you that can be withdrawn, subject to the account terms and conditions. The 'Cleared' Balance is displayed on the 'Summary' page and in the 'Account Details' page.

The 'Processed' Balance is the total balance of the account and includes money transfers that may not have been fully cleared. This is the balance upon which interest is earned on the account.

Subject to account terms and conditions, simply click on "Move money" and follow the on-screen instructions.

We'll usually make withdrawals from your account to your nominated account by Faster Payments. When your money will be available in your nominated account will depend on when we receive your instruction and your bank's own processing timescales. If we receive the instruction before 2pm on a business day, the money should show in your nominated account on the same day. If we receive the instruction after 2pm on a business day, or on a non-business day, the money should show in your nominated account on the next business day.

Select 'Statement' from the Account Options and you'll see your 'Unprocessed Instructions' at the bottom of the screen. Click on the yellow magnifying glass on the transaction that you want to cancel. Enter your password, click on the delete button and we'll delete the transaction.

If the transaction you want to cancel isn't shown in the 'Unprocessed Instructions' then we won't be able to cancel it as it's already being processed.

When opening your new Aldermore Cash ISA, select 'Money not currently held in an ISA or money held in an existing Aldermore ISA', enter the opening deposit amount and select the account you would like to fund this new account from.

If you want to transfer more than £20,000 from your existing ISA account(s), please click 'Move Money' from your existing account and follow the on-screen instructions to transfer the remaining balance.

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. If you haven't registered a nominated account with us, or if you send payments from an account other than your nominated account, your payments will not be accepted and will be returned.

Simply click on 'Amend Details', select 'Change Nominated Account' and follow the on-screen instructions.

Simply click on 'Amend Details', select 'Change Nominated Account' and follow the on-screen instructions. Once your new nominated account has been set up, your new details will replace any previous details that we held.

Your nominated account should be visible in the drop-down menu when you have selected to 'Move Money'. The most common reasons that you cannot see your nominated account are:

• You have not given us details of a nominated account
• We have received notification that your UK bank or building society account has been closed

To set up a new nominated account, simply click on 'Amend Details', select 'Change Nominated Account' and follow the on-screen instructions.

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

You can view and print a statement at any time by clicking on 'Account Options' and selecting 'Statement'.

Your Summary of Interest for each tax year will be available shortly after the start of the following tax year. You can also view and print a transaction statement for your account at any time and for any date range that you choose.

You can access your Summary of Interest and your transaction statement from the Account Options dropdown for each account.

Your joint account is operated in the same way as an individual account, which means either of you may move money to or from your account or give us instructions regarding it.

In the event of any disputes arising between you, one or both of you should contact us in writing. On receipt of such notice we will only accept unprocessed instructions from you which have been authorised by both of you. For more information on Joint Accounts, please read our Personal Savings Terms and Conditions.

Subject to the account terms and conditions, you can close your account online simply by clicking on 'Account Options' and selecting 'Close Account'.

Your full balance, including any interest accrued but not yet applied to your account, will be in your nominated account by the end of the following business day (or by the end of the same business day if your instructions are submitted before 2pm on that business day).

A transfer to another Aldermore account in your name(s) will usually take one business day (or will be made on the same day if you submit an instruction to us before 3pm on a business day).

If you close all of your Aldermore accounts, you won't be able to log into internet banking when they're closed. To keep a record of your transactions and the interest we've paid, you can print or save this information by clicking on 'Print Statement' on the Statement and Interest Summary pages. Please also print or save these for any previous years you might need.

We'll also send you a closing statement and an interest summary for the current tax year through the post. You should receive these within five business days of the account closing.

If you still have an open account, the statements for any accounts closed in the current or previous calendar year will be available to view in the Closed Accounts section of the 'Summary' page.

We'll write to you a minimum of 21 calendar days before your account matures to explain your options.

If we don't hear from you we will move your money into an Easy Access account.

If you ask for the maturity proceeds to be returned to your nominated account, these will be sent by Faster Payments on the maturity date (providing we receive your instructions online or in writing prior to the maturity date). In the event that the day of maturity is a non-business day, the funds will be sent on the next business day. You will receive interest until the day before the funds are returned. For example, if the day of maturity is a Saturday, you will receive interest until Sunday and funds will be returned on Monday (providing this isn't a Bank Holiday).

We will write to you a minimum of 21 calendar days before your account matures to explain your options.

If we don't hear from you we will move your money into an Easy Access Cash ISA.

If you want to transfer your Cash ISA to another provider, you will need to contact the provider that you would like to transfer your Cash ISA to and ask them to either send us the relevant ISA Transfer Request Form or send us their instructions electronically.

If you want to withdraw all or part of your Cash ISA, you will lose the tax-free status on that money. If you ask for this to be returned to your nominated account, the funds will be sent by Faster Payments on the maturity date (providing we receive your instructions online or in writing prior to the maturity date). In the event that the day of maturity is a non-business day, the funds will be sent on the next business day. You will receive interest until the day before the funds are returned. For example, if the day of maturity is a Saturday, you will receive interest until Sunday and funds will be returned on Monday (providing this isn't a Bank Holiday).

Your funds will be returned to your nominated account and you can use these funds as you choose, including towards the deposit for your first home.

Aldermore will issue you with a series of closing documents which will include your final ISA balance with any capitalised interest, confirmation that you have adhered to the Help to Buy: ISA rules and a brief description of the next steps. If you are purchasing your first property, you will need to present these documents to your eligible conveyancer and instruct them to apply for your Government bonus. Once they receive the Government bonus, it will be added to the money you are putting towards your first home. The bonus must be included with the funds consolidated at the completion of the property transaction. The bonus cannot be used for the deposit due at the exchange of contracts, to pay for solicitor's, estate agent's fees or any other indirect costs associated with buying a home.

Yes, this can be requested online at any time. Your funds will be returned to your nominated account and you can use these funds as you choose, including towards the deposit for your first home. If you are purchasing your first property, you will need to present the closing documents we provide to you to your eligible conveyancer and instruct them to apply for your Government bonus. Once they receive the Government bonus, it will be added to the money you are putting towards your first home. The bonus must be included with the funds consolidated at the completion of the property transaction. The bonus cannot be used for the deposit due at the exchange of contracts, to pay for solicitor's, estate agent's fees or any other indirect costs associated with buying a home.

The bonus you receive when you complete on the purchase of your property will be based on the balance of your account at closure. You will need to have a minimum closing balance of £1,600 to receive a Government bonus. You will not be able to claim a bonus on any previously withdrawn funds.

If you need any communications in a different format, you can let us know either by calling us on 0345 604 2678, by writing to us or by sending a secure message. You can find our contact details, including the opening hours of our UK-based call centre, on the Contact Us page.

If you have any specific needs, or are going through a challenging time and need some help, you can let us know either by calling us on 0345 604 2678, by writing to us or by sending a secure message. You can find our contact details, including the opening hours of our UK-based call centre, on the Contact Us page.

You can change your address by clicking on 'Amend Details', selecting 'Change Address' and following the on-screen instructions.

Simply click on 'Amend Details', select 'Change Email Address' and follow the on-screen instructions.

Simply click on 'Amend Details', select 'Change Password' and follow the on-screen instructions.

Simply click on 'Amend Details', select 'Change Memorable Details' and follow the on-screen instructions.

To change the frequency with which your interest is paid (where applicable) or to amend the account to which it is paid, simply click on 'Account Options', select 'Account Details' and follow the on-screen instructions.

For a change of name by marriage, please send us your marriage certificate, together with samples of your previous and new signatures. For any other change of name, please send us documentary evidence of your name change (e.g. deed poll) plus samples of your new and previous signatures. You may wish to send important documents by Registered Post and we will return them to you in the same way.

To add an account holder simply click on 'Amend Details', select 'Add Account Holder' and follow the on-screen instructions.

To remove an Account Holder from an account please send us written confirmation of this change signed by both account holders.

You will start to earn interest from the day your money reaches your new account.

Interest on all of our accounts 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 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, visit gov.uk.

Dependent on the account you choose, we can pay your interest monthly, annually or on maturity. Interest can be paid:

• To your account
• To another Aldermore account (subject to terms and conditions)
• Direct into your nominated account in your name(s)

For monthly interest - interest will be paid on the same day each month as the day on which we first receive your money

For annual interest - interest will be paid on the same date each year as the date on which we first receive your money.

For interest on maturity - interest will be paid on the day your account matures.

For interest paid to your nominated account - if any day is not a business day interest will be paid on the following business day.

To change the account to which interest is paid, simply click on 'Account Options', select 'Account Details' and follow the on-screen instructions.

For variable rate accounts, the most likely reason is that there has been a rate change. In this event, we will have written to you to advise you of the change. Please contact us if you need any more details about this.

If you know or think that someone else may have discovered your password or security details, you must contact us immediately so that we can take action to prevent any or further fraudulent transactions from taking place.

This criminal activity is commonly known as Phishing. "Phishers" attempt to fraudulently acquire sensitive information such as password details by masquerading as a trustworthy person or business. Phishing is typically carried out using email or SMS, although there are reported cases where phone contact has been used as well.

We provide a safe and secure environment in which to operate your Aldermore account. The latest technology, using full 128 bit encryption has been used to ensure online security. However, it is important that the browser software you use supports 128 bit encryption. Older versions of browsers may not offer this support.

For security reasons, each account holder will be provided with a unique Customer ID and password and will be required to input this information along with random characters taken from chosen memorable details each time the account is accessed. It is therefore essential that this information is not divulged to anyone else, under any circumstances. Please note that we cannot be held liable for unauthorised use of your Customer ID, password or memorable details.

A computer virus is a computer program written with malicious intent which can do damage to the data and software on your computer. The other key characteristic of a virus is that it can make lots of copies of itself on your computer and spread this to other computers as well.

Anti-virus software helps to protect your computer against computer viruses.
Use anti-virus software on your PC and keep it updated to minimise the risk of infection by new viruses.

Remember that new viruses appear daily - ensure that you use software which is routinely updated, e.g. able to receive updates every time you access the Internet. Contact your local computer retailer for advice on anti-virus software or refer to http://www.getsafeonline.org.

• Interest from banks, building societies and other account providers
• Interest distributions (but not dividend distributions) from authorised unit trusts, open-ended investment companies and investment trusts
• Income from government or company bonds
• Some types of purchased life annuity payments and gains from certain life insurance contracts

No, the interest on your ISA is already tax free and doesn't count towards your Personal Savings Allowance.

No, you don't need to provide any information about your tax circumstances or other savings income.

In this scenario, the interest earned is assumed to be split equally between you. You'll both get your normal Personal Savings Allowance (£1,000 and £500) to put towards your half of the interest.

No, the same rules apply.

If the interest you earn is more than your Personal Savings Allowance, 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. Further information is available on the HMRC website.

Our Cash ISAs are flexible. However Help to Buy: ISAs are excluded from flexibility under the scheme rules.

With a flexible ISA, you can withdraw money and replace it in the same tax year without the replacement money counting as an additional subscription towards that tax year's ISA subscription limit. You can also withdraw money from previous tax years and replace this, provided the money is replaced in the same tax year that the withdrawal is made and with the same provider that the withdrawal was made from.

To replace money withdrawn from a Fixed Rate Cash ISA, you will need to open a new Cash ISA product with us at the interest rate available at the time, or you could pay the money into another Cash ISA product already held with us that allows additional deposits.

Yes, you can replace this by paying it back in to the same Cash ISA or any other Cash ISA product you hold with us that allows additional deposits. Alternatively, you can open another Cash ISA product with us at the rates available at the time, if you'd prefer to do so.

All of our Cash ISAs are flexible (excluding Help to Buy: ISAs). If you have existing ISAs elsewhere, you will need to check whether your other providers have also introduced flexibility.

If you make a withdrawal from a Help to Buy: ISA, you can only repay the amount withdrawn in accordance with the maximum monthly limit of £200. However, as you can split your annual ISA allowance between our cash ISA products, you can replace money withdrawn from a Help to Buy: ISA by opening another of our Cash ISA products in the same tax year that you made the withdrawal, or pay the money into another Cash ISA product already held with us that allows additional deposits, and this won't count towards your annual ISA subscription limit. You won't be eligible to claim a bonus on any money that isn't held in your Help to Buy: ISA.

You can transfer an ISA by following the usual transfer process. All of our Cash ISAs (excluding Help to Buy: ISAs) are flexible but the provider that you transfer to may not offer flexibility, in which case your ISA will no longer be flexible when it moves to them.

You still have an annual ISA allowance, flexibility just means that if you withdraw some of your subscriptions, you can replace them again so that you can make full use of that allowance.

If you transfer an ISA into one of our Cash ISAs (excluding Help to Buy: ISAs), it will automatically become flexible.

Yes. Once you transfer your ISA into one of our Cash ISAs, it will become flexible. If you've transferred previous years subscriptions, you will be able to withdraw these and replace them, provided you replace them in the same tax year that you made the withdrawal.

If your new provider isn't a flexible ISA provider, you won't be able to replace any withdrawn funds without this counting towards your annual ISA allowance. If your new provider is a flexible ISA provider, you will not be able to replace any funds you've withdrawn from previous tax years. You will be able to replace any withdrawals you've made from your current tax year allowance and we'll let your new provider know how much of your ISA allowance remains, including any withdrawals which have not yet been repaid.

Yes. Any amounts withdrawn can be replaced, however no new subscriptions can be made. Replacements and withdrawals are subject to product terms and conditions.

Yes. Any interest paid away from your account counts as a flexible withdrawal. The replacement of the withdrawal can be made in line with product terms and conditions.

No. Your account will be closed and can't be re-opened. However, if you still hold any open Cash ISAs with us that allow additional deposits, you can pay the money into one of those accounts. If this is not the case, you can open a new Cash ISA product to replace the money. You will need to confirm that this is a replacement of previously withdrawn money relating to previous tax years, to make sure that this is allocated correctly against your ISA allowances.