Switching current accounts isn't something you do everyday, but our dedicated team are here to help you switch your banking using the Current Account Switch Service.
With our 1st Account you will get £100** for switching (if you've not tried us before) and a £250 interest-free overdraft comes as standard.
We're here for you every step of the way - so we'll start right now by explaining exactly how the process works.
Or if you are an existing customer call us on:
03 456 100 100
The Current Account Switch Service lets you switch your current account from one participating bank or Building Society to another, free of charge and is backed by the Current Account Switch Guarantee.
Please note: As part of the Current Account Switch Service your old account will close on the day that you choose to switch.
When we help you switch your account, we do everything we can to make the transaction as smooth as possible, here's what we'll do for you and when:
|Show or hide What is the Current Account Switch Service|
It's a free service that lets you switch your current account from one participating bank or building society to another. It has been designed to be simple, reliable and hassle-free and is backed by the Current Account Switch Guarantee.
|Show or hide What does the Current Account Switch Service cover?|
The Current Account Switch Service covers the transfer of your Direct Debits and standing orders, credit/debit balances (subject to overdraft limit agreement), regular bill payment details and the closure of the account you are transferring from on the date you choose. You will also benefit from a redirection of incoming credits and debits from your old bank to your first direct account for as long as it is required*. If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges incurred on either your old or new current account as a result of this failure.
*in the unlikely event that payments continue to be redirected to the New Account during the 13 months leading up to the end of the 3 year redirection period, we will automatically extend the redirection service for as long as it is required - until such time as there is a 13 month period when no Direct Debits, Bacs Direct Credits or Faster Payment transactions have been automatically redirected by the central redirection service.
Please note: As part of the Current Account Switch Service your old current account will close on the day that you choose to switch.
If there is a failure in the switch 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 them.
|Show or hide Do all banks and building societies offer the same Current Account Switch Service?|
High street banks and building societies, and internet and telephone banks that display the Current Account Switch Service Trustmark will offer the Current Account Switch Service.
|Show or hide How secure is the new service?|
Security is a key priority for the service. Only the account holder(s) can choose when and if to switch their account. No unauthorised person will have access or will be able to initiate the switch. There are robust protocols in place to ensure that data is secure.
|Show or hide Are account opening and account switching all part of the same process?|
No, they are separate. First, you must fully open a first direct current account (our 1st Account). Once your 1st Account is open, the switching process can begin.
|Show or hide Can I switch my current account if I am overdrawn?|
Yes, and your new bank or building society may be able to provide facilities to help you pay off any overdraft, subject to their normal lending criteria. If this isn't the case you must make separate arrangements to repay your old bank or building society what you owe.
|Show or hide What if I change my mind?|
You can cancel your switch up to seven working days before your switch date. After that only certain elements can be cancelled. Your new bank or building society will guide you through this process if you choose to do this.
|Show or hide If the switching process has started and I change my mind, can I still keep the old account open?|
The switch process will begin six working days before the switch date that you will agree with your new bank.
If there are still at least seven working days or more before the agreed switch date you can cancel both the Current Account Switch Agreement and the Account Closure Instruction that you will have signed, and your old account will stay open.
If it is during the six working days before the agreed switch date your regular payments will be switched to your new account but you can contact us to cancel any of them. However, during this time, you cannot cancel the Account Closure Instruction and your old account will be closed.
|Show or hide What happens if there is a mistake or unnecessary delay in the Current Account switching process?|
The Current Account Switch Service is backed by the Current Account Switch Guarantee. This guarantees that any charges or interest incurred on your old or new account, as a result of a failure in the switching process will be refunded when you bring this to your new bank or building society's attention.
|Show or hide What happens to any debit card transactions that I have asked my old bank to stop?|
The Current Account Switch Service should not interfere with this process and any debit card transactions that you have asked your bank to stop should remain so after your switch.
|Show or hide What happens to payments that people send to my old account?|
The Current Account Switch Service will redirect payments to your new account for as long as it is required, until there until such time as there is a 13 month period when no Direct Debits, Bacs Direct Credits or Faster Payment transactions have been automatically redirected by the central redirection service.
|Show or hide Can I prevent my new account details being given to someone who sends one-off payments to my old account?|
You may be able to transfer your payments to your new bank without redirecting payments from your old account, and you should discuss this requirement with your new bank.
If your account provider isn't part of the Current Account Switch Service (CASS), you can still switch to or from us at no cost by giving us the details of the account you want to switch.
To switch an account to us from a non-CASS provider just contact us and we'll send you a Transfer Form so we can understand the Standing Orders and Direct Debits you want to switch. As soon as we get this back we'll contact your old account provider and get your switch up and running. We'll also arrange for your old provider to transfer any credit balance to us and close your old account if you want to. The whole process can be as quick as 12 working days depending on the transfer date you choose and how long it takes your old provider to respond. Don't forget to give your new account details to anyone who sends you credits eg your employer, and let them know when to start sending payments to it.
To switch an account from us to a non-CASS provider just contact us. We'd be sad to see you go but we understand these things happen so we'll send a list of your Direct Debits and Standing Orders to your new account provider as quick as we can, normally within 5 working days. We'll then work with them to transfer and close your account if you want to.
If you're unhappy with any part of your switch, please visit our guide to making a complaint.
** 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 only available for people who haven't previously held any account with first direct and is limited to one payment per customer or joint relationship. Incentives are paid within 28 days of criteria being met. This offer may be withdrawn at any time without notice.
If there is a 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, subject to our usual credit assessment criteria.
Or if you are an existing customer call us on:
03 456 100 100
Thinking of switching your current account?
Apply online, or call 0800 24 24 24. Because we want to make sure we're doing a good job, calls may be monitored and/or recorded. We hope you don't mind.
Voice over: This is Adam. He's been thinking of switching his current account to first direct... but he's got just one or two reservations.
Customer 1: A lot of my friend's bank with first direct and they told me it's a great bank to bank with so thought why not give it a go.
Customer 2: I was scared if direct debits or things didn't change over properly or in time but it worked perfectly fine.
Colleague 1: We want to make sure that we get it right first time for the customer because that's the whole customer experience.
Customer 1: It was really nice, really easy, they took me through it really slowly, but made sure I understood what was going to happen. I picked my change over date and I was just banking with first direct.
Voice over: What Adam doesn't realise is the Current Account Switch Service makes moving everything over to first direct a doddle.
Customer 3: I just chose one day specifically that there was no wage going in or payment out and they hit that date bang on.
Customer 1: When you call up first direct the answer really quickly and it's a person who answers.
Customer 4: Everyone likes to speak to a cheery person on the phone, and definitely first direct customer service is the best I've ever come across.
Voice over: So if you're looking to switch to first direct, with the Current Account Switch Service you'll find its quick, simple and hassle free.
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
If you already have an account with first direct, you can apply for a 1st Account, by calling us on:
telephone 03 456 100 100
If you are not happy with your account, you have a 14 day period after you receive your welcome pack to close your account. Please see the first direct Account Terms and Conditions for full details.
If you are an EU resident and want to apply for a current account please call on +44 113 2345678
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.
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