We designed our current account with one thing in mind. You. And with a range of features designed to help you get the most out of your money, you'll spend less time banking - and more time living. What's more, you don't have to take our word for it - as the UK's most recommended bank, you know we come with a great reputation.*
* From 3 January to 2 July 2012, 54% of 98 first direct current account customers had actually recommended the bank. Closest brand over the same period had 42% of 328 current account customers recommend the bank. Source: Independent Survey.
** Open a 1st Account then transfer your banking using our Easyswitch service (transferring at least two Direct Debits and/or standing orders) and salary/income of at least £1,000 per month to your 1st Account within three months of your account opening and we will add £100 to your account. This offer is only available for people who haven't previously held any account with first direct and is limited to one payment per joint relationship.
Banking with first direct is different. To start with, you can call and speak to a real person 24 hours a day, seven days a week, 365 days a year. If you prefer, you can access our Internet Banking service wherever you're online, or use any of our Mobile Banking facilities, including our Banking on the go App for Apple and Android devices.
But the truth is, it's difficult to imagine what makes banking with first direct so special unless you've actually had the experience. That's why we introduced our Service Guarantee: we're so certain that our service is better than anyone else's, if you're not happy banking with first direct after six months, we'll help you move to any bank you like and give you £100 for your trouble.
*** Here's how it works. We'll pay £100 per customer or joint relationship if you close your 1st Account within 12 months of opening it, as long as a monthly salary or income of £1000 or more has been paid into that account for at least six months and you haven't previously had an account with first direct. You'll also need to have used our Easyswitch service which means we'll have obtained details of your standing orders and Direct Debits from your previous bankers and arranged to transfer them for you. We'll pay the £100 into your 1st Account prior to its closure. All accounts with first direct have to be closed and your 1st Account transferred to another bank/building society.
It's our job to make your life simpler, and that starts when you switch to first direct. You can use our Easyswitch service to transfer standing orders and Direct Debits and we'll also help you with transferring your income or salary into your new account.
If there is failure in the switching process we will refund any charges or interest you've paid to us, and if you are a Northern Ireland customer your old bank should refund any charges or interest you've paid to them.
If you are a Northern Ireland customer and you use our switching service we can offer you an interest and charge free overdraft for three months from the date that you open your account with us, taking into account your existing Direct Debits and standing orders, subject to our usual credit assessment criteria.
We give you an automatic £500 formal overdraft when you open your account - and the first £250 of your overdraft is interest free. We will charge you Interest on overdrafts above £250, and we may apply an arrangement fee if you request an informal overdraft more than once every six months.
See interest rates and charges for details of our overdraft fees. If your account is linked to an offset Mortgage interest on your overdraft balance will be charged at your mortgage rate.
Banking with first direct usually costs £10 a month, but we'll waive the fee if you pay in at least £1,000 to your 1st Account each month or maintain an average monthly 1st Account balance of £1,000 or hold a selected first direct additional product. For new customers we waive the fee for your first 6 months. Take a look at our interest rates and charges section for details of the additional products.
|Show or hide Sweep facility makes your money work harder|
Our sweep facility makes it easier for you to get into the savings habit. Once a month (whichever date you prefer) we can automatically sweep up any money you haven't spent into one of the eligible first direct savings accounts***. Just let us know, and we'll do the rest.
***Eligible savings accounts are: Savings Account, Everyday Savings Account (removed from sale 20 March 2009) and Everyday e-Saver.
|Show or hide Real people, not machines|
You'll always speak to a real person here in the UK when you call us. No automated routing systems, no punching in numbers on your keypad, no waiting at the tone to say 'yes' or 'no'. Just a friendly voice every time you call.
|Show or hide Beautifully designed Internet Banking|
You can view your account online from the comfort of your chair in seconds, with much greater access and flexibility in managing your money. You can also choose to view your account statements online and save paper.
|Show or hide Text alerts|
To make sure you're always in touch with your finances, we can send you text alerts at no extra charge when your salary's in or when your balance reaches a specific level. Just let us know what you'd like to know and when.
|Show or hide We never close|
It's your money, so you should be able to access it whenever you like. So we're here for you 24 hours a day, 7 days a week, 365 days a year - public holidays included. In fact, ever since we started, in 1989, we've never closed. So when we say you can give us a call anytime, we really mean it.
We've put together a selection of services and benefits to go with your 1st Account so you're prepared wherever you are - at home, abroad, or on the road.
iPhone and iPod Touch are trademarks of Apple Inc., registered in the U.S and other countries.
Android is a trademark of Google Inc.
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
Once you've logged on to Internet Banking, just select 'Apply', and choose '1st Account' from the left hand menu.
If you haven't yet registered for Internet Banking, simply click on the link below and enter your support and access ID details. If you haven't received your support and access IDs, please call us on 08 456 100 100.
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 Read 4.0™ or above - it's free and you can get Adobe Reader here (opens in new window).
first direct subscribe to the Lending Code. You can learn more about the Lending Code on the Lending Standards Board (opens in new window) website.
For more information about accounts and other products you can refer to the Money Advice Service (opens in new window)™ website.
Your eligible deposits with HSBC Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. This limit is applied to the total of any deposits you have with HSBC Bank plc and first direct.
Any total deposits you hold above the £85,000 limit between HSBC and first direct are not covered.
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 (opens in new window).