first direct Current Accounts

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  • TSB logo

    TSB Classic Current Account

    • Optional £35 interest and fee free overdraft (subject to status)
    • Apple and Google Pay available with your account
    • 24 hour money - take control of your bank account round the clock through Internet Banking, Telephone Banking and our Mobile Banking app
    • 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

    • Assumed arranged overdraft of £1,200: 0% EAR up to £35, then 19.84%, £6 usage fee.
    • £10 overdraft buffer
    • If you try to make a payment and you don't have enough money in your account (including your Arranged Overdraft if you have one), we'll treat this as a request for an Unarranged Overdraft. If it's authorised and you use £10 or less, you won't be charged fees or interest on the amount you've borrowed. If you use more than £10 you'll get charged interest and fees on the full amount.
  • TSB logo

    TSB Classic Plus Account

    • 5% AER (variable) on balances up to £1500 (changing to 3% AER (variable) from 2nd July)
    • To earn 5% AER, pay in £500p/m, register for internet banking, paperless statements and correspondence
    • Optional £35 interest and fee free overdraft (subject to status)
    • Maximum Interest (AER) [?]
      5%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £500 (to earn interest)
    • Monthly Fee
      Free

    Interest details

    • 5% AER/4.89% gross variable interest paid on balances up to £1,500 only. To earn interest (which is paid monthly) just pay in a minimum of £500 a month and register for Internet Banking, Paperless Statements and Paperless Correspondence.

    Overdraft details

    • Assumed arranged overdraft of £1,200: 0% EAR up to £35, then 19.84%, £6 usage fee.
    • £10 overdraft buffer
    • If you try to make a payment and you don't have enough money in your account (including your Arranged Overdraft if you have one), we'll treat this as a request for an Unarranged Overdraft. If it's authorised and you use £10 or less, you won't be charged fees or interest on the amount you've borrowed. If you use more than £10 you'll get charged interest and fees on the full amount.
  • Nationwide logo

    Nationwide FlexAccount

    • No monthly fee
    • Share £200 with a friend when they switch their main current account to Nationwide (terms apply)
    • 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

    • Arranged overdraft fees:18.9% EAR (variable) thereafter
    • Unrranged overdraft fees: 18.9% EAR (variable)
    • For every payment that is NOT made over and above your reserve limit, you'll be charged an unpaid transaction fee of £15
    • The total sum of fees (including any paid/unpaid transaction fees) is capped at £75 per statement month

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