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Current account

Get £50, when you transfer your banking within 3 months of account opening. Account T&Cs apply, new customers only. Find out more

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 (subject to status)
  • 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®
  • get a £50 welcome when you switch to us**
  • no monthly fees.

Overdraft representative example:

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

Service Quality Information

Find out more about our Service Quality Information

Service Quality Information

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.

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 2.75% AER/gross - our very best rate. Find out more about our Regular Saver Account.

**£50 to say hello

To get the £50 cash offer 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.

This offer is limited to one payment per customer or joint account, and you'll get the money within 28 days of all criteria being met. Sorry, we can only offer this to people who haven't previously held an account with us, and we reserve the right to refuse your application and extend or withdraw this offer at any time. Credit is subject to status.

£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.


*92% of first direct customers say they are ‘extremely satisfied’ or ‘very satisfied’ with their current account, a significantly greater proportion than any other GB bank or building society. Source: Ipsos MORI FRS, 6 months ending November 2018. 27,491 adults interviewed.

Opening an account

To open this account, a new customer will need to provide us with the documents and information set out in our Security Procedures Document (PDF). We may request additional information or documents in individual cases.

You can open this account:  
You can open this account:Without visiting a branch Yes
You can open this account:Where a visit to a branch is required, without an appointment
You can open this account:By sending us documents and information electronically Yes
You can open this account:By post Yes

Find out more about our Service Quality Information

How to apply for a 1st Account

Sole Account

Apply online for a sole account

Joint Account

To open a joint account you'll need to give us a ring so please contact us.

Before you apply

Before applying, please take the time to read through the following. You may wish to save some of these documents for future reference.

If you can see any changes coming up that could affect your disposable income - for example, less money coming in due to extended leave or retirement or a change in your employment situation/working hours, or a rent/mortgage payment increase - please apply by telephone on 03 456 100 100.

If you're 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.

first direct is a division of HSBC UK Bank plc and HSBC has accounts more suitable for customers living outside of the UK. For more information please call HSBC on +44 1226 261 010 or visit hsbc.co.uk.

first direct subscribe to The Standards of Lending Practice. You can learn more at the Lending Standards Board website.

For more information about accounts and other products you can refer to the Money Advice Service™ website.