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first direct Current Accounts

first direct Current Accounts logo
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Compare first direct Current Accounts

  • first direct logo

    First Direct 1st Account

    • Monthly Fee
      Free
    • Interest Rate
      0%
    • Arranged Overdraft Rate
      0%
    • Minimum Monthly Credit
      None
    See Deal + More info
    Offer
    Get £150 when you switch to First Direct* or £20 for opening an account** *To qualify, switch using the Current Account Switch Service and deposit £1000 within 3 months of account opening. This offer applies to new customers only that have not opened a HSBC account on or after 1 Jan 2019. **Available to new customers who open a 1st Account and log into app/online banking within 3 months. This offer is limited to one payment only. This offer can’t be added to any other joiner or switcher offer.
    Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 30.5% (variable). 0% EAR variable on the first £250.

Compare similar products from other providers

  • Starling Bank logo

    Starling Bank Personal Current Account

    • Monthly Fee
      Free
    • Interest Rate
      0.05%
    • Arranged Overdraft Rate
      15.0%
    • Minimum Monthly Credit
      None
    See Deal + More info
    Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 15 % EAR (variable). Representative APR 15% (variable).
  • HSBC logo

    HSBC Advance Bank Account

    • Monthly Fee
      Free
    • Interest Rate
      0%
    • Arranged Overdraft Rate
      39.9%
    • Minimum Monthly Credit
      £1,750
    See Deal + More info
    Offer
    Get £170 when you switch to HSBC Advance* PLUS get £117 cashback on Select and Cover** *To claim your bonus, open an HSBC Advance Account and start your switch within 30 days using the Current Account Switch Service. You'll also need to pay in £1,500+ within 60 days and switch 2+ Direct Debits or standing orders. New customers only. T&Cs and other eligibility criteria apply. **Get 6 months' cashback on the first 3 covers when you buy Select and Cover within 60 days of joining HSBC Advance. Apply for Advance by 5/7/22. Only available to new online customers. Eligibility criteria and T&Cs apply.
    Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 38.9% (variable).
  • Barclays logo

    Barclays Premier Current Account

    • Monthly Fee
      Free
    • Interest Rate
      0%
    • Arranged Overdraft Rate
      35.0%
    • Minimum Monthly Credit
      None*
    See Deal + More info
    Representative Example: 0% interest (variable) payable on arranged overdrafts up to £500. If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 35.0% (variable). Representative APR 19.5% (variable). Subject to financial status.
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Last updated on 22 February 2021.

First Direct Current Accounts FAQ

Who is First Direct?

First Direct was set up as a bank in 1997 and is known for providing telephone and online banking services to consumers. It offers services such as bank accounts, mortgages, loans and savings, as well as insurance. It is a division of the HSBC Group.

What features and services does a First Direct current account offer?

The 1st Account from First Direct offers a range of banking services for its account holders, including the ability to pay into their account in Post Offices or in HSBC branches. They can also apply to use an overdraft with their account.

Who can apply for a First Direct current account?

First Direct says that anyone who has a UK address and is over 18 can get a 1st Account providing they have not been declared bankrupt or signed up to an Individual Voluntary Agreement over the past six years.

How can I apply for a 1st Account with First Direct?

You can apply online or over the telephone. You will need to provide documents to support your application including forms of identification and proof of address, such as a passport and a utility bill. The bank may also want to verify your credit rating and your financial income and outgoing, as well as your employment status.

Can I switch my account to a First Direct current account?

Yes, you are able to do this easily through the Current Account Switch Guarantee service, which removed much of the legwork from switching accounts.

Can I use an app to manage by 1st Account?

Yes, First Direct offers account holders the chance to manage their account through their mobile app. It also carries Apple Pay and Google Pay features, as well as contactless payments when using the debit card.

Can I add on extra perks to the account?

You are able to pay an extra monthly fee for additional features and insurance products added to your account, such as travel insurance and mobile phone cover. Other extras include things like breakdown cover. It is sensible to think carefully about whether the additional fee for these benefits is less than they would cost you to arrange independently. This is particularly true if you have already paid for separate breakdown cover, for example.

Services offered by this provider may change over time. Always check Ts&Cs.