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Current Account Direct

The current account with credit interest

Current Account Direct puts you directly in control of your account 24/7*. It lets you carry out all the most common types of banking transactions without having to visit a branch. It helps put you in control of your money and lets you manage it easily. This is a self-service account and you must register for automated telephone and/or internet banking services for day to day operation. You can still use our call centre or visit a branch if a transaction or service cannot be done through our self-service channels. See self service matrix for details. Applicants must be 18 years or over. Subject to status and eligibility. Minimum monthly deposit required.

Main features

No account fee. Other fees and charges may apply.


2% AER** (1.98% gross p.a. variable) on your credit balances up to £3000.

No interest 0% AER on balances over £3000.

A minimum monthly credit of £1000 (excluding internal transfers) is required. If you do not meet these conditions we will change your account to Current Account Plus. You can have a maximum of two Current Account Direct accounts, of which only one may be a sole account.

Offer may be withdrawn at any time.

** AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross rate is the interest payable without taking account of the deduction of income tax.


Rate of 9.9% EAR. Subject to status. Applicable fees and charges for planned and unplanned borrowing can be found here.

We can provide a written quotation for an overdraft on request.

Representative example

Rate of interest - 9.48% per annum (variable)
Total amount of credit - £1200
EAR - 9.90% variable

Amount of credit available subject to status.

Offer may be withdrawn at any time. The rate of interest shown is an Effective Annual Rate (EAR) which takes account of the rate of interest charged, the frequency it is levied to the account and the compounding interest.

Debit Card

Withdraw cash and make purchases at home and abroad. For more information on using your card abroad.

Subject to available funds. Additional fees and charges may apply when using your card abroad.

Internet, telephone and mobile banking

Make payments, transfers, or simply view your balance while you're out and about

Current Account switch guarantee

£150 from us to you

Fully switch your current account to us, maintain at least two active Direct Debits and pay in £1000 per month. Terms, conditions and exclusions apply. Offer ends 30/11/15.

Find out more about switching

Important information

You can cancel your agreement with us within 14 days of opening your account by contacting us in branch, by phone or in writing. Please check terms and conditions for more information

Your eligible deposits with Clydesdale Bank plc are protected by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Clydesdale Bank and Yorkshire Bank.

Any deposits you hold above the limit between these brands are unlikely to be covered.

Please ask for further information or visit (opens in a new window)

*24-hour telephone banking and internet banking may be temporarily unavailable during periods of routine maintenance. For your security, calls may be monitored or recorded.

Compare with our other accounts

Compare all our accounts

Apply by phone or in branch

Online applications are available to new, sole applicants who do not need an overdraft. All other applicants can apply by phone or in branch.

Are you a new or existing customer?

Are you opening an account in your name or a joint application?

Sole account application

Applying securely online takes around 10 - 15 minutes.

  • You will receive an instant decision* if you are successful
  • You can register for internet and telphone banking
  • You will have the option to switch your account to us

Overdrafts and switching

Our online application does not currently offer the ability to arrange an overdraft. If you require an overdraft and are planning to use the Switch service then please call us on 0800 678 1230 or visit us in branch.

Please have this information ready:

  • Your address details for the past 3 years
  • Your current employer’s details (if applicable)
  • Income details - your Gross Annual and Net Monthly salaries
  • Details of your expenditure – e.g. Mortgage/Rent, loan payments
  • Your current bank details (if you are planning to Switch)

Online applications will be unavailable between 7pm - 7:15pm, 8:10pm - 8:25pm and midnight to 2:30am

* We aim to give online decisions for applications submitted between 8am to 10pm, Monday - Saturday and 8am to 9pm on Sundays. If we are unable to provide an instant decision or your application is submitted outside these times, we will aim to inform you within one working day.

Start again

Call us free on:

0800 678 1230

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 4pm

Request a phone appointment

Visit your local branch:

Or visit us in branch and one of our advisors will guide you through the application process.

Request a branch appointment

Branch Locator

Start again

Already started an application?

If you have already started an online application for opening one of our current accounts, regardless of whether you are switching from another provider, you can retrieve it here.

Retrieve your application

Online applications will be unavailable between 7pm - 7:15pm, 8:10pm - 8:25pm and midnight to 2:30am

Help and support

Branch locator

Find your nearest Clydesdale Bank branch, Business and Private Banking centre or ATM

Branch locator

Prefer to talk to us?

Call us to speak to an advisor or apply for a current account by phone

0800 678 1230

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 4pm

For your security calls may be monitored or recorded.