Switch your banking

£100 if you like us,
£200 if you don't

£200 says you'll stay. We'll give you £100 when you join and £100 if
you leave within 12 months. Which is highly unlikely.

With our 1st Account you will get £100** for switching (if you've not tried us before) and a £250 interest-free overdraft comes as standard. Discover how easy it is to move your account, and just how refreshing it is to talk to real people 24 7 365. We're sure you'll love us.

If you're not happy after six months we'll help you move to another bank and give you £100***. That's £100 if you like us and another £100 if you don't.

Apply now

Before applying for our 1st Account, we recommend that you
read our: first direct Account Terms and Conditions, Interest rates and charges, Important notes and 1st Account page. Please print and save a copy for your records.

This will only take about 15 minutes.

Apply for a sole account Apply for a joint account

first direct subscribe to the Lending Code. You can learn more about the Lending Code on the Lending Standards Board website.

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

£100 when you switch

  • open a 1st Account, then transfer your banking and salary/income of at least £1,000 per month to your 1st Account using the Current Account Switch Service within three months of your account opening and we’ll add £100 to your account. This offer is limited to one payment per customer or joint relationship.
  • incentives are met within 28 days of criteria being met.
  • sorry, but we can only offer this to people who haven’t previously held any account with first direct.
  • we reserve the right to refuse any application for a product or service. All credit is subject to status.

£100 Satisfaction Guarantee

  • if, after six months and within 12 months, you're not happy with us, we'll give you £100 and help you move your account.
  • you must have paid in at least £1,000 a month for six months and not have tried us before.
  • you'll also need to have moved your account to us using the Current Account Switch Service.
  • incentives are met within 28 days of criteria being met.
  • all other accounts held with first direct must be closed, this will include any fixed term products.

Your questions answered

How does the Satisfaction Guarantee work?  
 
I've heard you're different from other banks - what's first direct all about?  
 
What other features does the 1st Account come with?  
 
£250 Interest free overdraft  
 
How can I move my current account with another bank to first direct?  
 
Is there a charge to bank with first direct?  
 
Ways to bank
  • Internet Banking
  • Mobile and Text Message Banking
  • UK-based phone banking, 24 7 365.

As a first direct customer you're promised outstanding service when you need it.

Learn more
iPhone ® App

Sometimes you just need a quick overview of your accounts. View your balance and recent transactions quickly and easily whilst on the go.

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Awards

We've taken home a cabinet full of awards for our customer service - feel free to admire our collection!

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We're about more than just banking. Discover how you can join the conversation today.

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**Open a 1st Account, then transfer your banking and salary/income of at least £1,000 per month to your 1st Account using the Current Account Switch Service within three months of your account opening and we'll add £100 to your account. This offer is only available for people who haven't previously held any account with first direct and is limited to one payment per customer or joint relationship. Incentives are paid within 28 days of criteria being met.

***We're so sure you're going to enjoy banking with first direct and using your new 1st Account. If you're not happy with our service after six months, you can move banks and we'll give you £100 for any inconvenience.

If there is a failure in the switching process we will refund any charges or interest you've paid to us, and if you are a Northern Ireland customer your old bank should refund any charges or interest you've paid to them. If you are a Northern Ireland customer and you use our switching service we can offer you an interest and charge free overdraft for three months from the date that you open your account with us, subject to our usual credit assessment criteria.