Banks and building societies A to Z
first direct savings rates
6 accounts listed. The highest rate is 7.00% AER on the Regular Saver Account (regular saver).
FSCS protection: up to £120,000 per person across everything you hold with HSBC UK Bank plc, which also trades as HSBC UK and M&S Bank. Money in those counts towards the same limit.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Bonus Savings Account | 3.35% | Easy access | £1 |
| Cash ISAISA | 2.75% | Easy access | £1 |
| Savings Account | 1.05% | Easy access | £1 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| Fixed Rate Savings (12 months)Beats inflation | 4.50% | Fixed for 1 year | £2,000 |
| Fixed Rate Cash ISAISABeats inflation | 4.50% | Fixed for 1 year | £500 |
Regular saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Regular Saver AccountBeats inflation | 7.00% | Regular saver | £25 / £300 a month |
Compare first direct with every other bank
Who holds the money
- Deposit-taker
- first direct, a trading name of HSBC UK Bank plc
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 765112)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £28,261m at 31 December 2025
- Website
- firstdirect.com. Every "Go to bank" link we show for first direct leads only to this domain.
This page lists every first direct account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.