Banking

Current Account

1st Account

Banking with the UK's most recommended bank*

  • £250 free of overdraft interest
  • beautifully designed Internet Banking service
  • award winning customer service from real people answering your calls, 24 hours a day, seven days a week
  • mobile banking on the go with our app for iPhone, Android and iPad
  • switch your current account to us and we'll give you £100**
  • comes with our satisfaction guarantee - if you're not happy we'll give you £100.***

Apply online

Debit Card image uSwitch award for Current Accounts 2014 Current Account Switch Guarantee Logo

* From July to December 2013, 53% of first direct current account customers had actually recommended their bank in the last year. The closest brand over the same time period had 44% of current account customers recommend their bank. Source: Charterhouse Research Customer Contact Survey, covering 8 major banks in England & Wales, based on 19,415 contacts.

Open a 1st Account, then transfer your income of at least £1,000 per month using the Current Account Switch Service within three months of your account opening and we'll add £100 to your account.

This offer is limited to one payment per customer or joint relationship. Incentives are paid within 28 days of criteria being met.

We are sorry that we can only offer this to people who haven't previously held any account with first direct.

We reserve the right to refuse any application for a product or service. All credit is subject to status.

Learn more

We're so certain that you'll enjoy our service better than anyone else's, if you're not happy banking with first direct after six months, and within twelve months, we'll help you move banks and give you £100 for your trouble.

You must have paid at least £1,000 a month into your bank account for six months and have not tried us before.

You'll need to have moved your banking using the Current Account Switch Service. Incentives are paid within 28 days of criteria being met.

You must contact us to claim the Service Guarantee prior to closing your account.

All your other accounts within first direct will need to be closed, including any fixed term products.

Learn more

More features

I've heard you're different from other banks - what's first direct all about?  
 
Our sweep facility makes it easier for you to get into the savings habit  
 
Text message alerts keep you in touch with your finances  
 
Pay for small things quicker with contactless payments  
 
First Directory  
 

£250 free of overdraft interest

We give you an automatic £500 formal overdraft when you open your account and the first £250 is free of overdraft interest. We will charge you overdraft interest on overdrafts above £250 and we may charge you an Informal Overdraft Usage Fee on any day your Account is in informal overdraft.

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.

Is there a charge to bank with first direct?

Banking with first direct usually costs £10 a month, but you will not be charged this fee for the first six months from account opening, when 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 you hold a selected first direct additional product. Take a look at our interest rates and charges for more details of other additional products.

Apply online

iPhone and iPod Touch are trademarks of Apple Inc., registered in the U.S and other countries.

Android is a trademark of Google Inc.

 

How to apply for a 1st 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', 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 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?

You can apply online or talk to us anytime:

Apply for a sole account

Apply for a joint account

If you've previously been a customer or would just prefer to speak to one of our friendly staff, please call us on:
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 Read 4.0™ or above - it's free and you can get Adobe Reader here.

first direct subscribe to the Lending Code. You can learn more about the Lending Code on the Lending Standards Board website.

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 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.