first direct Current Accounts

  • Compare first direct current account products in the table below.
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Compare first direct Current Accounts

  • First Direct logo

    First Direct 1st Account

    • Switch your current account to first direct and receive £100 cashback
    • Get another £100 if you leave within 12 months (conditions apply)
    • £250 interest free overdraft
    • Maximum Interest (AER)
      0%
    • Switching Incentive
      £100
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £10

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • 0% EAR up to £250
    • 15.9% EAR over £250

    Switching incentive details

    • Open a 1st Account then switch your banking using the Current Account Switch Service and pay in at least £1,000 within three months of your account opening and get £100 adeed to your account.
    • This offer is limited to one payment per customer or joint relationship. Incentives are paid within 28 days of all criteria being met.
    • Offer only available to people who haven't previously held any account with first direct.
  • Other current accounts

  • NatWest logo

    NatWest Select Account

    • Get £125 when you switch to NatWest (terms apply)
    • Bank anywhere with our mobile app
    • 24-hour telephone banking and Online banking
    • Get Emergency Cash
    • Maximum Interest (AER)
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged Overdraft Usage Fee of £6 per day. This is then capped at £90 per charging period.
  • NatWest logo

    NatWest Reward Account

    • Get £125 when you switch to NatWest (terms apply)
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £2 fee
    • Includes NatWest's mobile app & Emergency Cash
    • Maximum Interest (AER)
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £2

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees:19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged overdraft fees:If you enter an Unarranged Overdraft by more than £10, you will be charged an Unarranged Overdraft Usage Fee of £6 for each day you remain in that position, capped at £90 per charging period.
  • NatWest logo

    NatWest Reward Platinum Account

    • Get £125 when you switch to NatWest (terms apply)
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit.
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £19 fee.
    • Includes many lifestyle benefits such as Worldwide multi trip travel insurance and UK car breakdown cover. Ts & Cs apply.
    • Maximum Interest (AER)
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £19

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: No interest paid on first £250. 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts above £250
    • Unarranged overdraft fees: £6 for each day on which there is an Unarranged Overdraft of more than £10 (Subject to a maximum of £90 in any charging period)
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