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).
- access to our 7.00% AER/gross Regular Saver Account
*Switcher Offer Terms & Conditions - To be eligible you must:
- Open a 1st account before the offer is withdrawn.
- Switch your everyday banking to using the Current Account Switch Service (CASS).
- Deposit a minimum of £1,000 (in single or multiple deposits) in your account and within 30 days of opening your first direct 1st Account.
- Complete a full CASS switch including at least two Direct Debits or Standing Orders must be made within 30 Days of us opening your first direct 1st Account.
- Register and Log onto digital banking, within 30 days of us opening your first direct 1st Account.
- Use your new 1st account debit card at least 5+ times.
- Be a new customer to first direct, who has not previously held a first direct product, or has opened an HSBC current account on or after 1 January 2018.
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).