*To qualify for the switcher offer you must (within 45 days): Open a 1st account and complete a full a full CASS switch using the current account switch service, including at least two direct debits or standing orders. Deposit a minimum of £1,000 (in single or multiple deposits) Register and Log onto digital banking Use your new 1st account debit card 5+ times. Be a new customer to first direct, who has not previously held a first direct product, or has opened a HSBC current account on or after 1 January 2018 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. 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). For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply. Regular Saver information - 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.