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Compare First Direct current accounts

Find the right First Direct current account for you. Compare fees, features, and switching offers from top UK banks.

How do I switch to a First Direct current account?

First Direct is part of the Current Account Switch Service, so you can move your banking across in seven working days. Apply for the 1st Account, choose a switch date, and your payments and direct debits are transferred automatically.

First Direct regularly offers a cash incentive for new customers who switch their main account using the service, so it is worth checking the latest offer before you apply.

Does First Direct have branches?

First Direct is a telephone and online bank, so it does not have its own high street branches. You manage your account through the app, online banking and its 24/7 phone service, which is known for its customer support.

Because First Direct is part of HSBC, you can still pay in cash and cheques at HSBC branches and many Post Office counters, giving you everyday access without a branch network of its own.

Our top pick
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Get £200 to switch
Standard

1st Account

SWITCH INCENTIVE
£200
when you switch
OVERDRAFT
39.90% EAR
Representative
MONTHLY FEE
Free
per month
This offer is available to new customers aged 18 or over who are permanent UK residents. Applicants must not have previously held any first direct product or opened an HSBC current account on or after January 2018. To qualify for the switching bonus, you must use the Current Account Switch Service to complete a full switch, including at least two Direct Debits or standing orders. You must also deposit £1,000, make five or more debit card payments, and log on to digital banking, all within 45 days of opening the account. The additional £25 bonus offer is valid for accounts opened between 18th May and 15th July 2026. Overdrafts are subject to status.
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