Feel money positive with our 1st Account
Our current account helps you have a more positive relationship with your money. You can enjoy...
Overdraft representative example:
How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.
0% EAR variable on the first £250, 39.9%
EAR variable thereafter, giving a representative rate of 30.5%
APR variable (assumed arranged overdraft £1,200).
Regular Saver interest example:
Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 3.50% AER/gross p.a. interest rate, you'll earn approximately £68.25 interest (gross).
AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed.
Ready to open an account today?
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.
How to apply for a 1st Account
Download the app
To complete your application, make sure you have a valid photo ID (passport or driving licence at hand)
Subject to terms and conditions
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'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 Account Terms and Conditions and Charges 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 Opens an overlay [Will show a security message first].
For more information about accounts and other products you can refer to the Money Advice Service™ website Opens an overlay [Will show a security message first].
iPhone, iPad, iPad mini, iPod touch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android™ is a trademark of Google LLC.