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Current Account

How to apply for a 1st Account

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1st Account

Join Britain's most satisfied current account customers*

Our current account customers are the most satisfied in the country - which is something we find pretty satisfying ourselves, actually. When you're happy, we're happy...

  • £250 interest-free overdraft
  • 24/7, 365 banking by Online, Phone and on Mobile
  • award winning customer service from real people here in the UK - no machines, no overseas call centres
  • pay in cash and cheques at HSBC branches and the Post Office®
  • switch to us and bag a gift you really want **
  • and £100*** if you decide we're not for you.

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

Who can apply?

You. Probably. If you're over 18, a UK resident, haven't been declared bankrupt or registered for an Individual Voluntary Agreement in the last six years (or be in the process of doing so), and have a phone number and email address we can contact you with, we'd love to welcome you.

Account Fees

There is no cost for the first six months. After that you can avoid paying the £10 monthly account fee by:

  • paying at least £1,000 into the account every month
  • or maintaining an average monthly balance of £1,000
  • or also having a mortgage, credit card, Personal Loan, savings (except Regular Saver), First Directory or Home insurance with us.

Sweep your change into your savings

A 1st Account also gives you the option to set up a 'sweep', which automatically moves any spare money from your 1st Account to a first direct Savings Account on any date you choose.

Regular Saver Account

Feeling disciplined? Lock away between £25 and £300 a month for 12 months and earn 5.00% AER/gross - our very best rate. Find out more about our Regular Saver Account

Switch your current account and bag yourself a gift you really want. Choose from one of our switcher gifts**

first direct tech incentive offers first direct tech incentive offers

***£100 to say goodbye

We're not just sure you'll love our service more than anyone else's - we're banking on it. If you don't like the way we do things after six months, we'll not only help you move banks - we'll give you £100 as a leaving present.

To qualify, you must have paid at least £1,000 a month into your account for six months and not have banked with us before, as well as switched to us initially using the Current Account Switch Service. You need to contact us to let us know you're unhappy within 12 months of opening your account, and 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.

*90% of first direct customers say they are 'extremely satisfied' or 'very satisfied' with their current account, a significantly greater proportion than at any other GB bank or building society. Source: GfK FRS, 6 months ending December 2017. Proportion of main current account holders answering 'extremely satisfied' or 'very satisfied' to "In the last three months, taking everything into account, how satisfied have you been with your provider's current account service?" (27,961 adults interviewed). Includes all banks and building societies with 100 or more respondents.

**To get the 'hello' gift you need to open a 1st Account, switch your everyday banking to us using the Current Account Switch Service and pay in at least £1,000 within three months of opening the account. You must be over 18 to open an account. Once you've met all the criteria, within 14 days you will receive an email with a unique registration code and instructions about how you can choose your gift. You can choose from one of our tech gifts, Online courses or Expedia voucher so there are different timings for when you'll receive your gift. But you'll have 90 days from when you complete your gift registration to choose your gift. This offer is limited to one item per customer or joint account and we can only offer this to people who haven't previously held an account with us. We reserve the right to refuse your application and extend or withdraw this offer at any time. Credit is subject to status.

How to apply for a 1st Account

New to first direct

If you've previously been a customer or would just prefer to speak to us, please call us on:

0800 24 24 24

Existing customer

If you already have an account with first direct, you can apply for a 1st Account, by calling us on:

03 456 100 100

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