first direct Current Account Cashback & Offers

A current account that helps you save, borrow and manage your money, whenever is right for you.

You can enjoy..

• a £250 interest-free overdraft (subject to status); 0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply. Use your new 1st account debit card at least 5+ times within 45 days of opening the account.
• Access to our 7.00% AER/gross Regular Saver Account: Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 7.00% AER/gross p.a. interest rate, you'll earn approximately £136.50 interest (gross). Interest is calculated daily and paid 12 months after you opened the account.

AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed. Early closure will result in interest being paid at the standard account variable rate.