How to open a bank account with First Direct

First Direct is a digital bank that offers current accounts, savings accounts, loans, credit cards and insurance. First Direct is a good option for people who want a smart, convenient and award-winning account in the UK.

If you want to open a bank account with First Direct, you’re in the right place.

What you need to open a First Direct account in the UK

To open a First Direct account in the UK, you must:

• be at least 18 years old.
• live in the UK or have a UK address.
• have a valid form of identification:
  • passport
  • driving licence
  • national ID card.
• You must have proof of address:
  • utility bill
  • bank statement
  • council tax bill.

1. Choose your account type

The first step to open a First Direct account in the UK is to choose your account type – they offer various types of accounts, such as:

1st Account

A current account that lets you manage your money online or by app. It has no monthly fee, comes with a £250 interest-free overdraft and gives you access to exclusive discounts on other products from First Direct’s partners.

Regular Saver Account

A savings account that lets you save up to £300 per month for 12 months at a fixed interest rate of 1%. It has no monthly fee and requires you to have a 1st Account with First Direct.

Everyday e-Saver Account

A savings account that lets you save any amount at any time at a variable interest rate of 0.01%. It has no monthly fee and requires you to have a 1st Account with First Direct.

You can compare the features and benefits of each account type on the First Direct website.

2. Apply online

You can apply online by filling out the respective application form on the First Direct website – you will be asked to provide your details, contact details, income details, and preferred account type.

If you need help or advice from the helpful customer service team you can call 03 456 100 100.

3. Verify your identity and address

During the application, verify your identity and address by scanning your documents using the First Direct app or website. Alternatively, you can do this by visiting an HSBC branch or using the Post Office’s identity verification service.

Make sure that your documents are valid, clear and match the details you’ve provided.

4. Receive your account details

Once your identity has been verified, you will receive your account details via email or post. You will get your account number, sort code, online banking details and debit card PIN.

Your contactless debit card will arrive by post within 5 working days and you will need to activate it before using it.

5. Set up your mobile app

Next, set up your online banking. Do this by logging into your online account using the details that you received in Step 4. You will then need to create a username and password for future access.

Download the First Direct app and log in using the credentials from Step 4. The app lets you track your money on the go, check your balance and transfer money.

6. Start using your First Direct account

Now you have successfully opened a bank account with First Direct. You can now start using your account for your everyday banking needs. You may want to explore some of First Direct’s great benefits which include:

Overdrafts

You can apply for an overdraft of up to £500 with no interest or fees. You can also apply for a larger overdraft with interest and fees depending on your circumstances.

Loans

You can apply for a personal loan of up to £50,000 with competitive interest rates and flexible repayment terms.

Get more out of your First Direct account by connecting it to Emma to track it amongst all your other cards. Emma is a smart and automated app that helps you track your spending, save money and build credit history.

Use these in conjunction with First Direct’s fee-tracking tool, card controls and fast customer service to have a more organised and aware approach to money management. By using both apps together, you can see all your accounts in one place, find fees or old subscriptions, set budgets and goals and choose to block online, contactless or ATM transactions at will.

Emma and First Direct are the perfect duo for your personal financial management.