How many other banks come with a Satisfaction Guarantee? We’ll give you £100 if you like us, another £100 if you don't.

1st Account

A current account that works together with your life, with our satisfaction guarantee - we'll give you £100 if you like us, and another £100 if you don't.*

  • online, mobile and phone banking
  • interest free £250 overdraft
  • our dedicated switching team will help you switch your banking
  • talk to a real person 24 7 365
  • If after six months you do not pay £1,000 per month into your 1st Account you may have to pay a fee of £10.

*Conditions apply

Learn more

First Directory

A selection of services and benefits designed to work with your 1st Account;

  • Worldwide Travel Insurance
  • 24 hour Motor Breakdown Assistance
  • Mobile Phone Insurance
  • £15 monthly fee applies
  • minimum 12 month contract
  • policy Terms and Conditions apply.

Learn more

Banking at the speed of life

Internet Banking
Mobile & Text Message Banking
UK-based phone banking, 24 7 365.

Discover a bank that helps you get the most out of your accounts - wherever you are, whatever you're doing.


Learn more


You may also be interested in

Learn more about First Directory

Discover a selection of useful services and benefits designed to work with your 1st Account. £15 monthly fee applies. Minimum contract is 12 months, and renewable thereafter.

Learn more about our awards

We've taken home a cabinet full of awards for our customer service - feel free to admire our collection!

Learn more about first direct

We're about more than just banking. Find out what we stand for and what makes us different.

Learn more about our range of mortgages

Whether you're a first time buyer, remortgaging, or moving home, we've made the process of finding a first direct mortgage simple.

Your home may be repossessed if you do not keep up repayments on your mortgage.

** From July 2014 to December 2014, 62% of first direct current account customers had recommended their bank in the last year. The closest brand over the same time had 49% recommend their bank. Source Charterhouse Research Customer contact survey covering 9 major banks in England & Wales, based on 16,729 contacts.

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.