1st Account

What's the 1st Account all about?

We've put some thought into banking. We think current accounts are for spending, rather than saving. Which is why we'd rather give you a current account that helps you manage your money on an every day basis. So instead of offering you credit interest, we're giving you more interest on your savings and a package of services which we think offer you better value. 

Can I link my current account, savings and mortgage to save money?

Customers could also still benefit from our great offset Mortgage rates by linking their 1st Account and day to day Savings or Everyday Savings Accounts to our offset Mortgage - see our mortgage section for full details.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our service guarantee

It's difficult to know what makes banking with first direct so special unless you've actually had the experience. Which is why we offer all new 1st Account customers this guarantee. We're so certain that our service is better than anyone else's.

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

How does the service guarantee work?

Here's how it works. We'll pay £100 per customer or joint relationship if you close your 1st Account within 12 months of opening it, as long as a monthly salary or income of £1500 or more has been paid into that account for at least six months and you haven't previously banked with first direct. You'll also need to have used our Easyswitch service, which means we'll have obtained details of your Standing Orders and Direct Debits from your previous bankers and arranged to transfer them for you. We'll pay the £100 into your 1st Account prior to its closure. All accounts with first direct have to be closed and your 1st Account transferred to another bank/building society.

We never close

We're here for you 24 hours a day, 7 days a week, 365 days a year. In fact, ever since we started, more than 18 years ago, we've never closed. So when we say you can give us a call anytime, we really mean it.

Real people, not machines

You'll always speak to a real person when you call us. No automated routing systems, no punching in numbers on your keypad, no waiting at the tone to say 'yes' or 'no'. Just a friendly voice every time you call.

For more information on our 1st Account see our Terms and Conditions and interest rates and charges.