First Direct 1st Account Joint 2026 Review

Annual Equivalent Rate (AER)
7.00% AER
Monthly Fee
£0
Welcome Bonus
£175
Apply Now →on First Direct's website
Minimum Deposit:£1,000

Annual Equivalent Rate (AER):

7.00% AER

Welcome Bonus: £175

When you switch to a joint 1st Account using the Current Account Switch Service.

Monthly Fee:

£0

Minimum Deposit:

£1,000

The First Direct 1st Account Joint earns the #1 spot due to its exceptional 7.00% AER interest rate on the Regular Saver account, combined with a £175 welcome bonus for switching, making it a highly attractive option for joint account holders.

Pros:

  • High interest rate
  • Welcome bonus

Cons:

  • Minimum deposit required
  • Limited to switching customers
learn more about this bank account on First Direct's website →

In summary, the First Direct 1st Account Joint is an excellent choice for couples looking to maximize their savings with a competitive 7.00% AER interest rate and a generous £175 welcome bonus, making it ideal for those who want to grow their finances together without incurring monthly fees.

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