Everyday e-Saver Account


Easy money

Savings couldn't be simpler than with our versatile Everyday e-Saver. Whether you're saving up for the latest gadget, a brand new wardrobe or just a rainy day, you can start saving from just £1, and you always have the option of instant, no-strings online access to your money whenever you like - making it perfect for combining with our sweep facility to help you save.

  • instant access by transfer to another first direct account
  • online access 24/7
  • automatically sweep money you don't spend each month from your 1st Account into your Everyday e-Saver.


Sweeping your savings together

If you want to save a little and often to build up your savings for that something special, you'll love our sweep facility. At the end of every month (or whenever you'd like, in fact) we'll automatically sweep any money you haven't spent from your 1st Account into your savings.

You can set up your Sweep by telephone or internet banking, and you can also set a date of the month for it to happen, and a minimum amount to keep in your 1st Account. Then we'll make sure your spare cash is moved into your Everyday e‑Saver. Most importantly, you're always in control - you say how much, you say when.

You'll be amazed at how your savings can grow.


Everyday e-Saver at a glance

Our Everyday e-Saver is a flexible savings account. This information will give you a better idea of what's involved - though please make sure you read the Interest Rates and Charges and Terms and Conditions before you apply.

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.


Summary box and Key Product Information
Account name

Everyday e-Saver Account.

Interest rates

Interest is calculated daily and applied monthly.

One rate applies to all balances.

see our Interest Rates and Charges information for full details

Tax status

Interest will be paid after the deduction of the basic rate of savings tax, currently 20%, unless you are eligible and have registered for non-taxable interest.

Conditions for bonus payment

No bonus payments on this account.

Withdrawal arrangements

Instant withdrawals can be made by transfer to another first direct account in your name. Transfers to other banks may take longer.


This account can only be applied for and managed online.

Other things you should know

How much can I save?

You can open an Everyday e-Saver Account for as little as £1 and there are absolutely no limits to how much you can save.

How to manage my account

You can manage and move money to and from your account online, 24/7, whenever you want. It's easy, it's flexible, and it's also instant for internal transfers to and from your 1st Account. Transfers to accounts held elsewhere may take longer.

How to apply

To apply for a Everyday e-Saver Account, you must already hold a first direct current account - our 1st Account.

If you are already a first direct customer you can apply for a Everyday e-Saver Account online by selecting the 'Apply' button on this page.

If you are not currently a first direct customer, please call 0800 24 24 24 or 03 456 00 24 24.

What else should I know?

Sole and joint savings accounts are available.



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.





How to apply for an Everyday e-Saver Account

Already a customer?

You can apply online through your Internet Banking. As you're currently logged in, just select Apply online from the left hand menu within Internet Banking

Log on to apply

Once you've logged on to Internet Banking, just select 'apply online' in the left hand menu, and choose the 'Everyday e-Saver' option.

If you haven't yet registered for Internet Banking, simply click on the link below and follow the on-screen instructions.

Please note: You will need to have registered for telephone banking before you can access Internet Banking. You can do this by calling us on 03 456 100 100.

Register for Internet Banking

Not yet a customer?

To apply for an Everyday e-Saver Account you must be aged 18 years or over and can use the application form below.

Apply for a sole account

Apply for a joint account

You can also talk to us anytime on:
03 456 00 24 24
0800 24 24 24

Before you apply, please read the following:-

Please print and save a copy for your records.

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.

For more information about accounts and other products you can refer to the Money Advice Service ™ website.

Protecting your money

Your eligible deposits with HSBC Bank plc are protected up to the FSCS compensation limit by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Most deposits are covered by the scheme. This limit is applied to the total of any deposits you have with HSBC and first direct.

On 3 July 2015, the Prudential Regulation Authority announced changes to the compensation limit. For those depositors covered by the FSCS prior to 3 July, (individuals and small companies) their limit of £85,000 will be maintained until 31 December 2015. After that it will change to £75,000.

Any deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.

For more information on the scheme, please select the links below to view the FSCS poster and leaflet as well as the Information Sheet and Exclusions List (IS&EL) or visit the FSCS website at






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.