Features & benefits

The Esbank FlexDirect account

The FlexDirect account could be right for you if you're after an account that pays you interest when you have money in your account and you prefer to do your banking online or over the phone. It also has a really simple set of overdraft fees. To benefit from all this account has to offer, you'll need to pay in £1,000 per month (excluding internal transfers). 

FlexDirect is based on a simple self-service concept – you'll be automatically registered for our online and telephone banking services to manage your account. If you ever have a transaction that can't be completed via our self-service options then our branches and UK call centres will be here for you.

Here's what you get with FlexDirect

In-credit interest

5% AER (4.89% gross p.a.) in-credit interest on balances up to £2,500 (fixed for the first 12 months)

Fee free overdraft for 12 months

No fees on arranged overdrafts for the first 12 months (Overdrafts are only available to those aged 18 or over and are subject to approval)

No monthly account fee

That's right, no monthly fee just for keeping your account with us!

A free Mobile Banking app

Our free mobile app lets you manage and access your money on the move.

Exclusive discounts

When you become a customer you get access to an exclusive range of offers.

Apple Pay

You can make payments with your Esbank debit cards using Apple Pay anywhere that contactless payments are accepted.†

A Esbank FlexDirect account also gives you...

  • Award winning online banking
  • Paperless statements, online only statements 24/7
  • Automated Telephone Banking, open 24/7
  • Withdrawal of up to £500 cash per day from our ATM network
  • Option to run as a joint account
  • Contactless Visa debit card and optional cheque book
  • Works with Apple Pay
  • Free text alerts to help you manage your account
  • Access to close to 700 UK wide branches in an emergency

† Available on selected Apple devices only. 

 Apple Pay is a trademark of Apple Inc.

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Esbank FlexDirect has been rated 5 Star by independent researcher of financial products,

Best Online Current Account provider

Esbank was named Best Online Current Account Provider in the 2014 Your Money Direct Awards

It only takes about 10 minutes to apply online

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Financial Services Compensation Scheme

Protecting your money

Find out more - Financial Services Compensation Scheme

What does AER and Gross mean? 

What does AER mean? 

AER stands for 'annual equivalent rate' and illustrates what the interest rate would be if interest were paid and compounded each year.

What does gross mean?

The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

Rates, fees & overdrafts

Managing your account

How to apply