first direct Current Account Cashback Offers & Discounts

A current account that helps you save, borrow and manage your money, whenever is right for you.
 

You can enjoy...
- a £250 interest-free overdraft (subject to status); 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).
- a £175 welcome when you switch to us*
- access to our 7.00% AER/gross Regular Saver Account

*Switch using the Current Account Switch Service, deposit £1,000 within 3 months of account opening. New customers to first direct only, who have not previously held a first direct product. Sorry, we also can’t offer this to people who have opened an HSBC current account on or after 1 January 2020. Current Account subject to status. Offer can be withdrawn at any time. UK residents only.

No first direct debit card fees when spending abroad

It gets even better than no first direct debit card fees when spending abroad. There's also no first direct fees for withdrawing cash from a cash machine outside the UK, or when making a debit card payment in a foreign currency in the UK.

Of course, even though you'll pay no first direct fees, you may still be charged for fees that are outside of our control. For example, some cash machine operators may apply a direct charge for withdrawals from their cash machines (this should be advised on screen at the time of withdrawal).