*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.
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 £100 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.
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.
Once you've opened your 1st Account, when you are accepted and use one of our credit cards you'll also get £25†. Choose from either our Credit Card that 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.Learn more about the Current Account Switch Service
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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.
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.
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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 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.
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).