Emerald Account

Do you want an instant access account especially for over 55s?

The Emerald instant access savings account could be for you if you are aged 55 or over and you have £2,000 or more to invest.  The account is instant access which means you have easy access to your money without having to give notice to make a withdrawal.  

Plus, if you would like a regular income from your savings you can choose to have your interest paid monthly.  And to make access to your interest even easier, it can be paid to another of our savings accounts or direct into your bank account each month.  

We've tried to think of everything so you can be sure your money is in a safe home.  If you're aged over 55 and think this account may be for you, please read on for the full terms and conditions of this instant access savings account.

To understand the full terms and conditions please read the summary box.

Account name
Emerald Account
Minimum amount to open the account
Maximum investment
Investment conditions

You can make investments or withdrawals at any branch or agency. The maximum balance you may have is £250,000.

Withdrawal conditions

You can make withdrawals at any branch or agency, in line with their withdrawal limits. You do not have to give us notice to withdraw money and you will not lose any interest.  If the balance in your account falls below £2,000 you will earn interest at a rate equivalent to the £1+ band of our instant access account for the period of time the balance remains below £2,000.

Interest payment

We work out interest every day and pay it on 31 December.  It can be paid either monthly or annually at the same rate.  Annual interest payments can be added to this account, transferred to another Darlington Building Society account or into your bank account.  Monthly interest payments can be transferred to another Darlington Building Society account or into your bank account.  


You can open this account in just your name or in joint names. Both account holders must be aged 55 and over.


Current interest rates

Amount Gross * Gross AER #
£2000+ 0.25% 0.25%
£1+ 0.05% 0.05%

This summary box will help you understand the account's Terms and Conditions.

Summary Box Start an application

Want to speak to a friendly staff member?

Sometimes it's easier to discuss things face-to-face. All our branches have staff ready and waiting to talk. If you’d like to discuss your options or you think you need help, call in at your local branch.

Branch finder

Alternatively call our enquiries line between:

9am and 5pm Monday to Friday (9:30am and 5pm Tuesday) or
9am and 12pm on Saturday

Our staff will be more than happy to help with any questions or queries

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

Please make sure that you have read and fully understand the summary box before you decide to open this account.

If you need any further information please telephone 01325 366366, email savings@darlington.co.uk or contact your local branch.

You should also read our general terms and conditions which you can download to the left of this page and which also form part of the terms and conditions of this account.

We are part of the Financial Services Compensation Scheme.

* - The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. Due to changes to the Personal Savings Allowance, from the 6 April 2016 all interest is paid gross. This is based on the current law and treatment of tax by HMRC which may be subject to change.

# - A.E.R. stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added once each year.