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first direct Current Accounts

Please see below for full details of the First Direct current accounts including important information such as interest rates, features, rates and fees.

Compare first direct Current Accounts

    • 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
  • See Deal + In detail
  • 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.
  • Representative Example: If you use an overdraft limit of £250 a 15.9% EAR (variable) charge will apply

Other current accounts

    • 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
  • See Deal + In detail
  • 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.
  • Representative Example: If you have a Select Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £8
    • 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
  • See Deal + In detail
  • 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.
  • Representative Example: If you have a Reward Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £8
    • 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
  • See Deal + In detail
  • 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)
  • Representative Example: If you have a Reward Platinum Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £8