First Active Instant Access Savings Account Review4.05% AER (Sep 2026)

Easy Access from First Active

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£1,000,000

Access

Instant

Interest paid

Monthly

The Rate You'll Get

Learn more about First Active

First 12 months

Boosted

4.05%

AER

Includes a 1.00% boost for 12 months

Standard rate (after 12 months)

3.05%

AER

Bonus Terms

Includes a fixed bonus rate for 12 months from the date your account is opened.

Who Is This For

New and existing savers
Those wanting easy access
Savers happy with a £1,000,000 cap

Additional Info

First Active is a trading name of National Westminster Bank Plc (NatWest), which is part of NatWest Group.

Please verify all details with the provider – for more info read our Disclaimer

Calculate your tax liability for this accountSee what you might pay on the interest from First Active's Instant Access Savings Account.

Estimated returns with First Active's Easy Access

Want to know how much interest you will receive with First Active's Instant Access Savings Account?

Estimated interest

£1,000 saved

£40.50

At 4.05% AER

£5,000 saved

£202

At 4.05% AER

£10,000 saved

£405

At 4.05% AER

£1,000,000 saved

£40,500

At 4.05% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on First Active Instant Access Savings Account

First Active's Instant Access Savings Account pays 4.05% right now, which is a decent rate for easy access, but that headline figure includes a 1% bonus fixed for the first 12 months, after which the underlying rate drops to 3.05%. This account is open to existing customers as well as new ones, accepts deposits from as little as £1 up to £1 million, and pays interest monthly. If you want to avoid the bonus cliff, Cynergy Bank's Online Easy Access Account is in the data at 4.15% and worth a look before you commit.
Jonny Pease (Co-Founder)DepositScout