Current Accounts Product Details

first direct

1st Account - with First Directory

Representative Example: Based on an overdraft limit of £500. Up to £250.00 charged at 0.00% EAR Variable. Over £250.00 charged at 15.90% EAR Variable. Overdraft fee of £0.00 per request.

General Account Details

None
Min 18 Years
None
£15.00 Per Month (Minimum term 12 months)
None

Account Management

  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes

Facilities

  • Yes
  • Yes
  • Yes
  • Yes
  • Visa
  • £500
  • Yes

Benefits

- Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.
Earn cashback with selected retailers via Visa Offers, customers can register up to five seperate first direct Visa cards.
£100 switching incentive if account credited with £1K within 3 months, Current Account Switch Service must be used. Additional £100 if account closed within 12 months, £1K must have been added for minimum 6 months.
Free worldwide cover on mobile or smartphone against loss, theft or accidental damage up to the max individual limit of £1K. Unauthorised calls up to £1.5K on contract phones, £150 PAYG. Max 2 successful claims per 12 months. Excess of £50.
Discounts through specially negotiated deals on days out.
Discounts through specially negotiated deals at restaurants.
Eligible for exclusive access to a high rate savings account paying 5.00% AER/gross, where customers can save between £25 and £300 per month.
Free UK breakdown cover driver or a passenger of any eligible vehicle. Includes Homestart.
Commission free travel money.
Free Worldwide Travel Insurance with Aviva. Covers account holder and family. Max cover age 69 years old. Available trips up to 31 days (183 days pa). Includes winter sports cover (limit 31 days pa). Includes baggage, delay and cancellation cover.

Credit Interest Rates

BalanceGross Rate %AER %
£0.01 +0.00% 0.00%

Arranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.010.00% - Per Month0.00%
£250.011.2375% - Per Month15.90%
£0.01 and over:- £0.00 Per Request
£0.01 and over:- £0.00 Per Request
£0.01 and over:- £0.00 Per Request
23:45 same day
N/A
N/A

Unarranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.010.00% - Per Month0.00%
£0.01 and over (Fee not charged if unarranged overdraft used for more than 30 consecutive days):- £5.00 Per Day Max £80.00 Per Charging Period
£0.01 and over: £0.00
23:45 same day
N/A
£10.00
£80.00

Foreign Usage Charge (Europe / Worldwide)

  • 2.75% / 2.75%
  • £0.00 / £0.00
  • 2.75% / 2.75%
  • £0.00 / £0.00
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