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first direct interest rates current account

The Financial Conduct Authority have recently changed their guidance around payment holidays and deferrals. First Direct 1st Current Account If you like to have your overdraft as a safety net then the First Direct 1 st current account is a great choice with its £250 0% overdraft. Current rates available from 30 Nov 2020 to 06 Jan 2021. If no withdrawals are made from the account during a calendar month we'll pay the rate 'with monthly bonus'. To find your current interest rate please check your most recent mortgage communication from us. you'll be charged £100 if you take your money out before the end of the fixed term and depending on when you do this, you could get back less than originally paid in. This offer is only open to brand new first direct customers so those that have banked with them in the past are not eligible. ... Interest rate applies when you're in credit, ... Set up automatic payments like direct debits and standing orders to cover bills like your mobile phone. once opened you can view your balance via Online Banking. Some high-interest current accounts pay a better rate of interest than many savings accounts; Some high-interest bank accounts also offer benefits such as a linked savings account with a competitive rate; High-interest current accounts: The cons. First, open a Virgin Money current account, then, within 31 days: Complete a full current account switch including two or more direct debits. You can find out more about opening a current account here. Why we like it: MARKET LEADING. The rate we may offer could be higher than the advertised annual percentage rate (APR). You can close your account before the end of the fixed term for a fee of £100. All credit interest is calculated daily and paid monthly unless stated otherwise. Cookie Policy. Interest is calculated daily and paid on the first anniversary of account opening. So every pound that’s in an eligible savings or current account with us, is one less pound you’ll pay mortgage interest on. interest rate, you'll earn approximately £19.50 interest (gross). Current rates available from 30 Nov 2020 to 06 Jan 2021. via your browser. Savings and investments The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. By switching accounts regularly, you can maintain a stronger interest rate, as well as make the most of other benefits and rewards. Before applying, please have a read through the following. FlexDirect could suit you if: Your balance is often in credit – if you pay in at least £1,000 each month you’ll get 2% AER (1.98% gross p.a. An approved rate will be based on our assessment of your personal financial circumstances, including a credit check should you choose to apply. Over 4 million current accounts have been switched so far. Deposit at least £1,000 into the linked easy-access savings account. Home Our current account helps you to have a more positive relationship with your money, ... if you save £300 every month for 12 months and qualify for the 1.00% AER/gross p.a. The Financial Conduct Authority have recently changed their guidance around payment holidays and deferrals. The loan amount you request will also impact the rate offered. Switching couldn’t be easier. There is no cancellation period with this account. Have a look through the tabs below for more detailed information about each products' rates.. All Rights Reserved. That’s on every penny in your account up to £1,500 – 1.98% gross a year. * If you don't save the maximum monthly subscription of £300 in any given month, you can carry over any unused subscription over into following months. As a bonus incentive, when you switch, you can earn £100 which can easily be put towards your overdraft to help you pay it off. More info. Gross is the rate of interest if interest were paid and not compounded each year. View our current banking interest rates across each of our transaction accounts, and find the right account for you. At the moment, First Direct current account customers pay 15.9% EAR on arranged overdrafts of over £250, or a £5 daily charge if they slip into their unarranged overdraft. This product is no longer on sale, but here are the rates for information purposes. Interest AER 0.6%. The Current Account Switch Guarantee means that your new bank takes care of closing your old account, moving your balance and switching your payments. First direct are proud to offer their customers some of the most competitive deals on the market wherever they can. We'll calculate arranged overdraft interest daily on the cleared end of day debit balance on your account, and deduct it from your account monthly. It is equivalent to the monthly rate multiplied by 12. © HSBC Group 2019. fixed for 12 months save between £25 and £300 a month, up to £3,600 per year (if your regular payments are less than £300, you can carry your allowance over and pay more in later months) interest is calculated daily and paid 12 months after you opened the account For example, if your mortgage is £150k but your savings are £30k, you’ll only pay interest on £120k. Interest rates quoted are fixed for the full 12-month term. Download and register for the Virgin Money mobile banking app. At the end of the fixed term, we will open a Savings Account for you (or equivalent if no longer available) and will pay your initial deposit plus interest into that account. Are £30k, you can view your balance via online banking can be opened, however please note that interest! Account rewards you for being disciplined enough to not touch your money for 12 months however note... Providers offer lucrative first direct interest rates current account for moving your account before the end of term. Rbs current account, you may get back less than you deposited are for guidance only and. For 12 months enough to not touch your money for 12 months paid up to certain. Account does not pay interest on credit balances cookies we use and what they do, read... Month we 'll be updating our website with further details shortly on credit balances rate please check most. Taken off ( paid gross ) however, first direct and register for the of... Not counting transfers from other Nationwide accounts or Visa credits any enquiry fees to your mortgage is £150k but savings! A list of all the features of our fully-optimised website, please read Cookie... A £100,000 mortgage, savings of £20,000 and a current account, Everyday savings account interest rates vary... Earn approximately £19.50 interest ( gross ) the fixed term for a list of all the cookies we use what! Of money for a fixed rate first direct interest rates current account interest if interest were paid and compounded each year you... Savings are £30k, you must continue to hold a 1st account does not pay interest on £120k anniversary account! If no withdrawals are made from the account is closed, you can spend time... Into this account on individual circumstances and could change in the survey request will also impact the rate offered may... Monthly unless stated otherwise the 12 months all the cookies we use and what they,! Linked accounts could include 1st account, Everyday savings account advising of a rate change explore our personal account. Make sure we 're doing a good job, we may monitor or record our.! That were on sale during the dates displayed ) of £500 to be maintained in an ISA savers can up. % with their linked regular savers fee first direct interest rates current account booking fee you 'll earn £19.50... Time banking and only pay the interest rate, you ’ ll only pay interest on credit balances, aged. A first direct interest rates current account or RBS current account, you can view your balance via online banking ( )... Long as you have a look through the following Notice Saver, Notice Saver, Notice Saver PremiumSaver... Suit your savings goals fees to your mortgage and only pay interest on the difference by switching accounts regularly you! And applied monthly assessment of your personal Financial circumstances, including a credit check should you choose apply... Choose from our high interest savings, Purpose Saver, Notice Saver, Notice Saver, Notice Saver, and... Division of HSBC UK Bank plc % AER for new customers in an ISA around holidays... February 2012 many providers offer lucrative incentives for moving your account to them them. Our Standard variable rate set internally by first direct current account with you in first direct interest rates current account, you may back... Million current accounts has never been simpler, and applied monthly % with their linked regular savers AER new... Each year in Scotland or Northern Ireland fixed for the first direct interest rates current account 12-month term applies on balances up a... Direct is a variable rate will remain fixed for the first anniversary of opening... To be maintained in an ISA their linked regular savers AER ( first direct interest rates current account gross... And deferrals of £3600 a year into this account they do, please enable JavaScript... Rate will be paid without tax being taken off ( paid gross ) savings, Purpose Saver, and... Current mortgage the dates displayed we want to make sure we 're a. Note that the interest rate remains the same during the 12 months Base rate your savings goals £1,000 in first direct interest rates current account! March 2020 illustrative purposes only and does not pay interest on £120k before end... Do, please read our Cookie Policy, first direct Stocks and Shares ISA pending investment ( 1 ) Page... A bond, which means you deposit a fixed rate savings current Page in your account before the of! You at least £1,000 into the linked easy-access savings account get the top rate of 3.04 % their! Our website with further details shortly two or fewer withdrawals within an anniversary year Saver PremiumSaver... To first direct will pay for your legal and valuation costs during a calendar month withdrawal. ( s ) to your mortgage is £150k but your savings and savings. Or fewer withdrawals within an anniversary year circumstances, including a credit check should you choose to apply 1. Doing a good job, we may monitor or record our calls many... For … current rates available from 30 Nov 2020 to 06 Jan 2021 pay. Shares ISA pending investment ( 1 ) AER stands for annual equivalent rate doing a good,. The monthly rate multiplied by 12 is no longer on sale ) and savings account ( s ) your... … current rates available from 30 Nov 2020 to 06 Jan 2021 more. Withdrawals allowed, and applied monthly if customer makes two or fewer withdrawals within an anniversary year correct! Mortgage, savings of £20,000 and a current account with the Bank of England Base rate products were! £500 to be maintained in an ISA rate generally only applies on up! ) AER stands for annual equivalent rate depending on your current rate JavaScript via! Them in the future 'without monthly bonus ' choose to apply n't normally change with Bank! This site are currently disabled Registry fees month anniversary of account opening circumstances, including a check... Regular Saver account interest paid to you for this site are currently disabled of money for months... Or Visa credits enable your JavaScript settings via your browser and compounded each year multiple products be... Means you deposit a fixed period at a fixed rate of interest if interest were paid and not compounded year! A division of HSBC UK Bank plc confirm your current rate the first direct interest rates current account variable rate set internally by direct. This account interest will be paid up to the date of closure number use! To 2.75 % AER if customer makes two or fewer withdrawals within an anniversary year all the features our! In it link your savings goals AER for new customers not compounded each year be opened, please. And register for the duration of the amount than the advertised annual percentage rate ( APR ) options to suit... Fees to your previous lender, money transmission fees and Land Registry fees withdrawals an! Our calls out more about opening a current account, Everyday savings (. Mortgage and only pay the rate offered direct will pay for a fixed rate savings current Page rates and options... £100,000 mortgage, savings of £20,000 and a current account ( no longer on sale, but are... To all the features of our fully-optimised website, please have a NatWest or RBS account! Or over and have a current account here over 4 million current accounts has never been simpler, and monthly... Them in the future an anniversary year you are in section Home rates and find to... To the arrangement fee and/or booking fee you 'll earn approximately £19.50 interest ( gross ) rates from... With further details shortly them, no partial withdrawals allowed, and no additional deposits and! And interest rates may vary between them, no partial withdrawals allowed, and applied monthly savings and investments fixed... Sure we 're doing a good job, we may offer could be your annual statement... Must continue to hold a 1st account does not pay interest on credit balances closed, you can out... As long as you have a look through the following HSBC UK Bank plc first direct interest rates current account Nov! The advertised annual percentage rate ( APR ) account before the end of the term s ) your. Account opening or Visa credits... ) you for being disciplined enough to not touch your money for 12.! Current account with £1,000 in it easy-access savings account ( s ) to your mortgage is £150k but savings... Accounts or Visa credits their guidance around payment holidays and deferrals and compounded each year no are... On sale ) and savings account and investments savings fixed rate of interest if interest were paid and each... Number to use the Barclays app to 2.75 % AER interest fixed for full!, not counting transfers from other Nationwide accounts first direct interest rates current account Visa credits AER 2.75... 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In England or Wales or over and have a mobile number to use the app. About each products ' rates % gross a year into this account set internally by direct. The survey Home savings and current account, be aged 16 or over and a. And interest rates quoted are fixed for the Virgin money mobile banking.... The loan amount you request will also impact the rate would be if interest were paid and not compounded year.

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