Have had various types of savings accounts. All with no problems whatsoever. As long as I don't exceed the agreed parameters, and stick to the rules and regulations and terms, everything is/has been exactly as stated at the time of the original agreement. Transfers of monies has always been easy. Rates go up and down (unless you opt for a fixed rate/term account) as with all banks and they are no different to any other bank there. They make money from collating and handling our money and the system fluctuates, according to the markets. It's a simple process! You ask, they offer, you read it fully, and then accept or refuse. Only after that, if they fail to meet their side of the bargain, do you have a right to complain and then do it directly with Aldermore. Not on some public forum which is yet another bitching site. I can't understand all the bleating and one sided stories on these reviews. We all have the option to go back to a face to face with a bank official and not bother with online banks at all.