Be over 18 years old, live in the UK, not have been declared bankrupt or have registered for an Individual Voluntary Agreement within the last six years or be in the process of doing so, have a telephone number and email address we can use to contact you.
Banking with first direct usually costs £10 a month but you don't pay the fee if you meet one of the criteria to qualify for a waiver – see the charges section below for more information.
*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).
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. It's the least we could do to welcome you on board.
This offer is limited to one payment per customer or joint relationship and you'll get the money in your account within 28 days of all criteria being met.
We can only offer this to people who haven't previously held an account with us.
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 sure you'll love our service more than anyone else's, so much so we're banking on it. If you don't enjoy what we're doing after 6 months, but within 12 months of switching, we'll not only help you move banks but give you a £100 as a leaving present.
You must have paid at least £1,000 per month into your account for six months and not have banked with us before, as well as moved to us initially using the Current Account Switch Service.
You must contact us before leaving in order to claim this service guarantee. You'll get the money within 28 days of the criteria being met.
If you do decide to leave, all other products you hold with first direct will also need to be closed.
Every now and again, the unexpected can happen and your finances may not quite stretch as far as usual. We're here to reassure you during life's little surprises.
*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.
Representative Example: 0% EAR variable on the first £250. 15.9% EAR variable thereafter.
It's never nice to feel the pinch - but if the unexpected does happen, we've got your back. And with our mobile app, internet banking, text message banking and our 24 hour telephone banking service, you can stay in control of things wherever and whenever you like.
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.
Banking with first direct is unexpectedly easy, and a little bit different as we don't need branches. You can bank from home, or wherever you happen to be, whenever you want either online, through our mobile app or by talking to a friendly person on the telephone. We are open 24 hours a day 7 days a week.
Our beautifully designed Internet Banking service gives you everything you need to take control of your finances, wherever you're online.
This is where it all began. You can call us any time of day or night, seven days a week, 365 days a year. Your call will always be answered by a real person here in the UK.
Our banking App for iPhone and Android™ and Windows Phone mobile devices makes it easy to stay in touch with your finances on the move.
With Paym, you can send money to other contacts who are signed up to Paym using only a mobile number. You'll be using the first direct Banking on the go App so making a payment is fast and secure.
Mobile phones are part of our lives. So we've made them a part of our banking as well, with text alerts and balance updates to your phone.
Just because we don't have branches doesn't stop you from making deposits. You can drop them in at the Post Office, or any branch of HSBC.
Is there a charge for banking 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, or 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, Notice of Variation - explaining changes to the first direct Account Terms and Conditions and Give me the facts - effective from 16 September 2016, first direct Account Terms and Conditions - effective from 16 September 2016 for more details of other additional products.
Compare current account benefits more easily with midata.
midata is a comparison tool initiated by the government that allows customers to download 12 months' worth of transactions data in a simple format so that you can more easily compare costs and benefits of different bank accounts based on your actual banking habits.
Pay for small things quicker with contactless payments
Make payments of £30 and under without having to hang around to insert your card or enter your pin; simply tap and pay.
Pay for things securely just by holding your phone at the checkout and press a button on your iPhone 6, Apple Watch, iPad Air 2 and iPad mini 3.
With Paym, you can send money to your contacts who are signed up to Paym using just their mobile number. You'll be using our mobile app so making a payment is fast and secure.
We've put together a selection of services and benefits to go with your 1st Account so you're prepared wherever you are - at home, abroad, or on the road.
Worldwide Travel Insurance (for eligible customers aged under 70)
24 hour Motor Breakdown Assistance (including at home)
Mobile Phone Insurance - up to £1,000 cover (subject to a £50 excess per claim)
Reduced foreign currency ATM withdrawals
£15 per month, renewable monthly
Our other products
Only our current account customers can apply for our other products including:
* With our Regular Saver Account you can save from as little as £25 up to a maximum of £300 a month. If you pay in the maximum monthly contribution of £300 on the same date each month, for 12 months, you could earn gross interest of around £117 (£93 net). Partial withdrawals not permitted. Interest is paid at the end of the 12 month term. If you save less than £300 in any given month, you can carry over any unused allowance to the following months. Regular Saver Account interest is calculated daily and credited annually at the end of the 12 month term. If the account is closed before the end of the fixed period, interest will be paid at the standard Savings Account variable rate.
iPhone and iPod Touch are trademarks of Apple Inc., registered in the U.S and other countries.
Android is a trademark of Google Inc.
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 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 (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 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 www.fscs.org.uk
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).