First Direct 1st Account — £210 Cash Bonus (+ £45 Quidco) Bank Switch Offer
Switch your existing current account to First Direct 1st Account via the official Current Account Switch Service (CASS) and claim £210 Cash Bonus (+ £45 Quidco) tax-free cash.
Deal Overview & What You Get
First Direct 1st Account is currently offering one of the top switch bonuses in the UK. By completing an official 7-day Current Account Switch Service (CASS) transfer, you receive £210 Cash Bonus (+ £45 Quidco) paid directly into your new current account.
All switch bonuses in the UK are recognized by HMRC as promotional cash incentives and are completely exempt from UK income tax and capital gains tax.
How to Claim First Direct 1st Account Sign-Up Bonus
Follow these verified steps in order to ensure your reward tracks correctly and clears without delay.
Open a new First Direct 1st Account account
Apply online or via the mobile app using our direct switch link.
Request a full CASS Switch
During the application, opt into the Current Account Switch Service and enter the account and sort code of your donor burner account.
Fulfill Qualification Criteria
Satisfy the required terms: CASS switch + pay in £1,000 + 2 DDs + 5 debit card payments. Ensure direct debits are active on your donor account before initiating the switch.
Receive Tax-Free Cash Bonus
Your £210 Cash Bonus (+ £45 Quidco) will be deposited directly into your new account according to the bank's schedule (typically within 10–30 days of switch completion).
Eligibility & Requirements Checklist
- Must be a UK resident aged 18+ with clean banking history.
- Must switch an active current account from a participating CASS bank.
- Requirements: CASS switch + pay in £1,000 + 2 DDs + 5 debit card payments.
- Must not have received a switch bonus from this banking group within the past 2–3 years.
Important Terms, Gotchas & Pro Tips
Burner Account Strategy: Never switch your primary everyday bank account. Open a free secondary account (such as in the Chase UK app or Monzo) and switch that instead.
Direct Debits: If 2 direct debits are required, set up two £1 monthly direct debits via Moneybox, Plum, or Wealthify before switching.
Note: £175 standard + £35 boost until 2 Dec 2026. Stack £45 extra cashback by clicking through Quidco before applying. Excludes HSBC account holders post-2018.
Frequently Asked Questions
How long does the First Direct 1st Account switch take?
The switch is completed in exactly 7 working days backed by the CASS guarantee.
Do I have to pay tax on this switch bonus?
No. HMRC treats bank switch incentives as personal promotional rebates, not taxable savings interest or income.
Can I switch away after getting paid?
Yes. Once the bonus is deposited into your balance, you are legally free to keep the account or use it as the donor account for your next bank switch.
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