How to switch current accounts

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. 

•  The service is free to use and you can choose and agree your switch date with us.
•  We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
• If you have money in your old account, we will transfer it to your new account on your switch date.
•  We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
• If there are any issues in making the switch, we will contact you before your switch date.
•  If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

Step 1: Check if you’re eligible

Before opening an account, check if you’re eligible (this can vary between banks and building societies).

Find out what you need to open a current account with us.

Step 2: Open your new account

You can apply for a first direct current account in minutes. For a sole account, go to the first direct App and for a joint account, you can apply online.

If you’re approved, you’ll get a virtual card and access to Online Banking straight away.

Find out more about opening a first direct account

Step 3: Start the switch

When your first direct account is open, you’ll need to:

• log into your first direct App
• select the account you want to transfer into
• tap ‘switch to us’ from the account menu and follow the instructions

We’ll ask you for your account details, existing account details, and preferred switching date – and take it from there. The process takes 7 working days.

We’ll also let your old bank know you’re moving when we receive your switch request.

Step 4: Start using your new account

When you’re all switched over, your old bank account will be closed and your new one will be ready to use.

Download the first direct App on a compatible device.