Telephone us on 08 456 100 100
Section: Savings.
Whether you're saving towards a particular goal or purchase, our Cash ISA, which pays up to 3.00% AER (2.96% tax-free) variable, is a simple and tax free way to save.
Have a holiday or special event on the horizon? Remove that temptation to spend and save a regular amount each month for 12 months for our very best savings rate - 6.00% AER/gross.
Savings elsewhere? Transfer them to us to get an extra 1.00% boost with our Savings Balance Transfer offer.
Put your savings to work for you with first direct's offset Mortgage. You can offset your savings and 1st Account balances against your mortgage - saving you more on your mortgage interest than you might earn in a typical savings account. It really is that simple - so find out how much you could be saving with our offset Mortgage Calculator.
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
AER stands for Annual Equivalent Rate. This shows you what the gross rate would be if interest were paid and compounded each year.
Gross is the interest rate before the deduction of tax applicable to interest on savings accounts.
Our sweep facility allows you to save the money you don't spend each month - so you make the most of your finances. Subject to financial eligibility*.
Take your finances further with a range of easy to manage short and long term investment opportunities.
Buy and sell shares using our online Sharedealing Service - while making the most of your investments with your ISA allowance.
Visit the first direct lab - and have your say in our future products, services and ideas.
* Banking with first direct usually costs £10 a month, but we'll waive the fee if you pay in or maintain an average balance of at least £1,000 each month or hold a selected first direct additional product. For new customers we waive the fee for your first 6 months. Take a look at our Interest Rates and Charges section for details of the additional products.
The value of most investments, and any income they generate, can go down as well as up, meaning you may not get back the full amount you invested.
Your eligible deposits with HSBC Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. This limit is applied to the total of any deposits you have with HSBC Bank plc and first direct.
Any total deposits you hold above the £85,000 limit between HSBC and first direct are not covered.
Our downloads are in a PDF format. To read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here (opens in new window).
first direct is a division of HSBC Bank plc. © HSBC Bank plc 2012. All Rights Reserved. Member HSBC 
Group.
Because we want to make sure we're doing a good job, we may monitor or record our calls. We hope you don't mind.
