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Current Account


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.

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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.

FSCS Current Account switch guarantee

Main features

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Offer may be withdrawn at any time.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Offer may be withdrawn at any time.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

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. Details on the protection of eligible deposits by the Financial Services Compensation Scheme, the UK's deposit protection scheme, can be found on the FSCS website. Your eligible deposits with Clydesdale Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Please refer to FSCS information.

*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.


Apply by phone

Call us free on:

0800 678 1230

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

Request a phone appointment

Apply in branch

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

Request a branch appointment

Branch Locator

Current Account switch guarantee
Switch Guarantee

With the Current Account Switch Service we'll do everything for you.

Find out more about switching

Compare accounts

We have a range of accounts so please have a look to see what type might suit you best.

Compare all accounts

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