Current accounts

First Direct current accounts.

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Bank accounts from our FCA-regulated providers
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What is First Direct?

First Direct is a UK bank known for its award-winning customer service and digital-first approach to everyday banking. Founded in 1989 as part of HSBC UK, it was one of the first telephone-based banks and now offers banking through its mobile app, online banking, and UK call centres.

First Direct provides a range of financial products, including current accounts, savings accounts, mortgages, loans, and credit cards. It’s particularly popular for its simple banking experience, competitive switching offers, and 24/7 customer support.

No monthly fee

The 1st Account has no monthly fee to open or maintain.
Switching incentive

First Direct frequently offers cash incentives for customers who switch.
£250 interest-free overdraft

The first £250 of an arranged overdraft is interest-free. Subject to eligibility and status.
Easy access to savings

Eligible customers can open a First Direct Regular Saver with a competitive fixed interest rate for 12 months.
24/7 customer service

First Direct has no physical branches, but customers can access UK-based phone and online support 24/7.
Mobile banking app

Use the First Direct app to make payments, manage spending, set alerts, and check balances on the go.

Is a First Direct current account right for me?

The First Direct 1st Account could be a good option if you want straightforward everyday banking with strong customer service and digital features.

It may suit you if you:

Want a fee-free current account
Prefer online and app-based banking
Value 24/7 UK-based customer support
Are considering switching banks for a cash incentive
Would benefit from an interest-free overdraft buffer

However, if you prefer in-branch banking or accounts with cashback and packaged perks, you may want to compare other providers too.

Cash rewards

First Direct typically offers a cash reward for switching your current account from another provider.
Interest free overdraft

Other perks include an interest-free overdraft of £250.
Regular saver

Access to high-rate regular saver.

No monthly account fee
Award-winning UK-based customer service
24/7 phone and online support
£250 interest-free overdraft buffer
Easy-to-use mobile banking app
Regular switching incentives for eligible customers

Be aged 18 or over
Be a UK resident
Provide proof of identity and address
Pass First Direct’s credit and eligibility checks

£250 interest free overdraft

First Direct provides a £250 interest-free overdraft on its current account, subject to status.
Arranged overdraft

Customers can also apply for an arranged overdraft, with interest charged if you go above the £250 limit.

Can I switch to a First Direct current account?

If switching from another bank, First Direct offers the Current Account Switch Service (CASS), which moves all payments, direct debits, and your balance in seven working days.

couple on laptop conversing with documents

Check eligibility

You must be 18 or over, a UK resident, and have an acceptable credit history. First Direct may check your income and expenses as part of the application.
Apply online or by phone

Visit First Direct’s website or call their customer service to start your application.
Provide personal details

You’ll need to enter your full name, address history (for the past three years), date of birth, employment status, and income details.
Submit proof of identity

You’ll be asked to upload a valid passport or driving licence, and proof of address such as a utility bill or bank statement.
Pass a credit check

First Direct will carry out a soft credit check to assess your financial background. This won’t affect your credit score.
Set up online and mobile banking

Once approved, you’ll receive login details to activate your account and set up secure online banking.
Receive your debit card

Your contactless debit card will be sent in the post, along with details on how to use your account.
Deposit funds and start banking

Transfer money into your new account and begin using it for everyday transactions, direct debits, and withdrawals.