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Current Account

£250 of your overdraft interest-free

Need a little breathing space at the end of the month? We can help.

  • an offer of at least a £500 arranged overdraft (subject to status)
  • no overdraft interest charges on the first £250 of your arranged overdraft
  • Overdraft text alerts - Helping you avoid unarranged overdraft fees

Overdraft charges representative example:

0% EAR variable on the first £250. 15.9% EAR variable on anything above £250

The monthly cap on unarranged overdraft charges for your 1st Account is £80. Click here for more details.

We may charge you a fee for going overdrawn by more than arranged, but if you sign up for text alerts we'll give you a chance to get back into your limit before we charge you.

Visit our charges page for more information about overdraft fees. If your account is linked to an Offset Mortgage, interest on your overdraft balance will be charged at your mortgage rate.

How to apply for a 1st Account

New to first direct

If you've previously been a customer or would just prefer to speak to us, please call us on:

0800 24 24 24

Existing customer

If you already have an account with first direct, you can apply for a 1st Account, by calling us on:

03 456 100 100

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