First direct 1st bank account

Type of Account
Typical Interest Rate
Overdraft Facility
Debit Cards
Bank Account Fees
Current Account
2.0% AER
0% up to £250
Debit Card
Free based £1,500.00 a mth

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First Direct 1st Bank Account - General Information

The First Direct 1st Account is a free bank account as long as you pay £1500 a month otherwise there is a subscription fee of £10 a month. You need to be over the age of 18 years to open a First Direct bank account.

When you open a 1st Account and transfer your salary / income of at least £1500 each month for a period of at least three months, First Direct will add £100 to your account. This offer is only available for people who have not previously banked with first direct

Some of the benefits you get with your 1st account are e a free debit card to help you manage your money which is free to use at any HSBC branch.

As your current account is for spending, rather than saving. First Direct give you a current account that helps you manage your money on a day to day basis. So instead of offering you credit interest, First Direct give you more interest on your savings and a package of services which will offer you better value. 

The 1st Account Current Bank Account is a perfect for people who want a secure and safe banking facility and with a choice of no monthly operating costs.

Barclays Current Account Plus - Banking Fees or Charges

Type of Account: Current Bank Account

Account Fee FREE
Transaction Charge UK FREE
Transaction Charge Abroad £2.99
ATM Charge Abroad FREE
Overdraft and Default Payments
Overdraft Fee 0%
Unpaid Item up to £25 £10.00
Overdrawn Balances 12.9%
Bankers draft £15.00
Chaps £20.00


Representative Example: Up to £250 at 0% Interest p.a (variable). £251 - £5000 at 12.9% interest p.a (variable). Subject to Status and Application. 

First Direct 1st Bank Account - Apply Online

You have chosen to apply for a First Direct1st Bank Account. Please ensure you meet the following points as this will make your application more likely to be approved.

1. Please Ensure That:

You are at least 18 Years of Age
You are a permanent resident of the UK
Have ready financial information
Your address and contact details
Free Bank Account -Free as long as you pay £1500 a month

2. Proceed With Your Application

First Direct Application process takes approx 10 minutes to complete. These points are simply a guide to the minimum acceptance criteria for First Direct Bank. Please ensure you read First Direct copies of the fees and interest rates and terms and conditions that apply to First Direct personal accounts. If your application has been agreed in principle, you will receive your application pack within the next few days.


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