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e-Savings accounts are flexible, easy to use and offer a competitive interest rate due to the lower operational and administration costs that are incurred by the provider. They are perfect if you want to manage your bank account exclusively online. Access to your e-Savings account funds is usually via transfer to another savings or current account or in some instances a cash card. Internet savings accounts have many advantages including 24 hour access and the ability to transfer money anytime online. You are also able to view statements and set up standing orders online in your own time. See below a list of e-Savings account providers for you to compare. Which Way To Pay gives you information on interest rates, withdrawal access and terms and conditions.

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The importance of saving

People put money away for any number of reasons. You might want to save for something in specific like a house, car, a holiday or wedding, your children’s future. It could be that you want to put some money way so you are covered should anything unexpected happen like you lose your job or need to pay for emergency home or car repairs.

If you want to put money aside then a savings account is where you can safely put your money, where it will earn interest over time. Savings accounts are bank accounts that people use, first and foremost, for keeping excess money safe. Savings accounts are a really easy way of growing your personal fortune and there is little risk involved.

What is a Savings Account?

Standard savings accounts are a really good method of saving for the future. In some circumstances the money you save builds up interest and the interest rates will be the main focus when considering a savings account. Savings accounts are designed to hold the money that you do not need immediate access to; these accounts will have higher interest rates.

You should make sure that you understand the restrictions of the account. In terms of disadvantages you may be charged for withdrawing money but in most cases you can withdraw money from a standard savings account at any time.

What is an Internet E-Savings Account?

If you are happy to manage your account online then you should consider an internet savings account which allows you to manage your savings online. The advantage of these accounts is that they are flexible and convenient; you can manage your account and make transfers whenever you like and you are always in control of your savings. In some cases they offer more competitive interest rates because of the lower administration costs involved but interest rates are variable so it will be worth your while to compare different accounts.

There are often different advantages on internet accounts such as instant access or fixed rates so you should compare different services to find the best account for you. Please note that in order to withdraw cash you will have to transfer money into your current account but some may provide a cash card.

How to compare e-savings accounts?

It is never a good idea to simply go for the best internet savings rate as you might get unstuck. Before you commit to an internet banking provider it is important to check the terms and conditions before you open the account. Always check these when you are researching the interest rates. Features your should look at when reviewing these conditions include, the type of account offered, the access to your funds, the way you can move money and finally you must check to see whether the interest rate will drop after a fixed time or whether there are any preferential rates offered to existing customers.


Separation and what it means for your finances

25 June 2014
Lauren Middleton

Separating, or filing for divorce or dissolution of your civil partnership is a highly stressful time,with many emotions running high however it is in your best interest to sort out your finances straight away.


ISAs, Pensions and Income Tax: The Autumn Statement Explained

20 December 2013
Which Way To Pay

Chancellor George Osborne announced the Autumn Statement last week, how will this affect your pension, ISA and income tax?


Aldermore Fixed Rates Accounts: Make your money grow now!

05 September 2013
Which Way To Pay

Aldermore offers you a secure place for your savings to earn money. If you open their 2 years fixed rates savings account you can start to benefit from excellent rates and lean back in the knowledge that they will not change for the whole period of time.


Savings account: Why is it important to have one?

21 June 2013
Mark Maffia

Almost everybody has a bank account – salary is transferred onto it, payments go out from it, standing orders and direct debits are set up and it is generally a bank account in which money will be moved around.


Aldermore Easy Access Account

28 May 2012 15:00
Which Way to Pay

A new savings account now available for you to compare, with the Aldermore Easy Access Account you will be given full flexibility so you can can withdraw cash or add to your funds whenever you like.