Current Account

1st Account

Banking with Britain'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 £125**
  • comes with our satisfaction guarantee - if you're not happy we'll give you £100***
  • you'll also get an extra £25 if you apply for and use one of our credit cards†. Representative 18.9% APR variable.

Apply online

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

*first direct customers are more likely to recommend their bank than customers at any other major GB bank or building society. Source: GfK NOP FRS, 6 months ending May 2015. Proportion of main current account holders answering "yes" to "Have you recommended your main current account provider in the last 12 months?" (27,202 adults interviewed).

100 Pound when you switch

Open a 1st Account then switch your banking to us using the Current Account Switch Service and pay in at least £1,000 within three months of your account opening and we'll add £125 to your account.

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

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. We reserve the right to extend or withdraw this offer at any time.

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100 Pound Service Guarantee

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, you can leave us and we'll 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 switched your banking to us using the Current Account Switch Service. Incentives are paid within 28 days of all 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.

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£25 if you apply for and use one of our credit cards

Once you've opened your 1st Account, you can apply for one of our credit cards. If you're accepted for your card, when you use it, you will receive £25†. Choose from either our Credit Card which is great for balance transfers (a balance transfer fee applies) or our Gold Card that is perfect for purchases.

Representative 18.9% APR variable

†Terms & Conditions apply. Credit is subject to status. This promotion is only available to first direct customers who hold a 1st Account and do not hold a first direct Credit Card and have not held a credit card with first direct within the previous six months. You must apply for your first direct Credit or Gold Card between 29 Dec 2015 and 29 Feb 2016 and use your card within three months.

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£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 Account Terms and Conditions 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 Account Terms and Conditions 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:-

If you foresee any changes in your circumstances that may increase your outgoings (for example an increase in living costs such as a rent or mortgage payment increase) or any changes to your situation that may reduce or have a negative effect on your monthly disposable income (for example a change in your employment situation or number of hours you work or if you anticipate a reduction in income from imminent retirement, maternity/paternity or extended leave) please apply by telephone on 03 456 100 100.

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.

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 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.

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.