find the right savings account for you

Not everyone marches to the same beat, and our range of savings accounts reflect that. 

All our savings accounts are for existing 1st account customers only. Find out more about our first account

Regular Saver Account

This savings account rewards you for being disciplined enough to not touch your money.

  • 7.00% AER/gross fixed for 12 months*
  • Save between £25 and £300 every month
  • Change the amount of your standing order at any time

Early withdrawal from this account is only possible by closing it, after which we'll only be able to pay standard account variable interest rates. Interest is calculated daily and paid on the 12 month anniversary of account opening.

Find out more

Cash ISA

Saving money feels good. Doing it tax-free feels even better.

  • 2.30% AER (2.28% tax-free) variable on balances of £1 and over
  • £20,000 tax-free maximum each tax year
  • Instant access to your funds by transferring to another first direct account

Once you have paid in the maximum annual subscription limit, any amount withdrawn can not be reinvested until the following tax year. Interest is calculated daily and credited monthly.

Find out more

Bonus Savings Account

Every month you leave your money untouched you get bonus interest.

  • 3.00% AER (2.98% gross) variable on balances up to £25,000 each calendar month if you don't make a withdrawal 1.30% AER (1.29% gross)
  • 2.00% AER (1.99% gross) variable on balances over £25,000 each calendar month if you don't make a withdrawal 1.30% AER (1.29% gross)
  • No maximum amount

You can get instant access to your funds without charge if you need to, though bonus interest won't apply during calendar month of withdrawal. Interest is calculated daily and credited monthly.

Find out more

Fixed Rate Savings

Lock away a lump sum for a fixed term of up to 13 months.

  • 4.60% AER/gross on balances between £2,000 and £1 million
  • 12-13 month fixed term
  • Early withdrawal from this account is only possible by closing it and has a £100 fee

Initial deposit plus interest is paid at the end of the fixed term.

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Savings Account

The savings acount for everyday savers.

  • 1.30% AER (1.29% gross)
  • Instant access to your funds
  • No maximum amount

Interest is calculated daily and credited monthly.

Find out more

*Regular Saver interest example: £300 saved every month for 12 months at the 7.00% AER/Gross p.a. interest rate, will earn approximately £136.50 interest (gross). 

 

Definitions

AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year.

Gross is the rate of interest if interest were paid and not compounded each year.

Tax-free means free from UK Income Tax and Capital Gains Tax.