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Bank accounts

Banking is done differently at first direct. We're the bank that makes banking feel more human and personal. The bank that makes banking work around you. Online, on the phone, on your smartphone, first thing in the morning, last thing at night - we're here 24/7, 365, to make banking easier.

And more enjoyable. Oh yes. Banking doesn't have to be tedious. The way we do things wins award after award. Real people in UK-based call centres, easy Online Banking, straightforward, great value products. We apply an uncommonly good sense to everything we do. We understand that banking isn't the be all and end all to you, but it is to us. We're geekily obsessed with offering outstanding banking services. Finding better ways to do things delights us. And this infectious spirit rubs off on our customers.

Open a current account

Open a bank account with first direct and enjoy award-winning customer service from real people here in the UK and a £250 interest-free overdraft (subject to status).

Overdraft representative example:

0% EAR variable on the first £250. 15.9% EAR variable on anything above £250 (assumed overdraft £1,200).

About our Current Account

Switch to us

Moving banks is nowhere near as painful as you might think. With the Current Account Switch Service, you choose a date and we'll move everything over for you in just 7 working days - and any (unlikely) mistakes will cost us, not you.

Our switching guarantee

First Directory

Little things make us happy. Like paying just £15 a month for mobile phone insurance, worldwide travel insurance and 24-hour motor breakdown assistance. First Directory - only with our 1st Account. Renewable monthly. Terms and conditions apply.

More about First Directory

Protecting your money. Deposits protected by the Financial Services Compensation Scheme.