If you like to have your overdraft as a safety net then the First Direct 1 st current account is a great choice with its £250 0% overdraft. A 1st Account also gives you the option to set up a 'sweep', which automatically moves any spare money from your 1st Account to a first direct Savings Account on any date you choose. If you need any help with your first direct Personal Loan, Credit Card, Gold Card, Savings, Sharedealing or First Directory accounts here's where you'll find it. Pledge “firstdirect” "I will close my First Direct Bank account on 1st February 2007 unless they reverse their decision to charge customers with a balance below £1500 but only if 200 other people will do the same." Don't be nervous that you barely had to do anything, it really is that easy. New customers only who haven’t held a first direct account or opened a HSBC or M&S Bank current account since 1 Jan 2018. And because it's all done though our App, payments are quick, easy and totally secure. If you can see any changes coming up that could affect your disposable income - for example, less money coming in due to extended leave or retirement or a change in your employment situation/working hours, or a rent/mortgage payment increase - please apply by telephone on 03 456 100 100. Cookie Policy. Receive money tips, news and guides directly into your inbox, The savings accounts paying the most interest, Money experts reveal their financial resolutions for 2021, Five possible tax hikes in 2021 and how to prepare for them today, Black Friday shoppers warned about buying electrical items from online marketplaces, ‘I’ve been taxed on redundancy pay despite it being under the £30k limit. In order to have access to all the features of our fully-optimised website, please enable your JavaScript settings Online Banking means our internet banking service. We love what we do. Get into a good savings habit and the future you will say thanks. The Bank of England kept the base rate at its historic low level of 0.1% as it looks to respond... First Direct has temporarily pulled its current account offering to new customers as it looks to help existing users. Forget debit cards. You can learn more at the Lending Standards Board website Opens an overlay [Will show a security message first]. We reserve the right to refuse your application and withdraw this offer at anytime. We hope you don't mind. The bank that never closes. first direct is a division of HSBC UK Bank plc and HSBC has accounts more suitable for customers living outside of the UK. If you repay more than the total amount payable, we will close the account and return the amount you overpaid to another account you hold with us or by sending you a cheque. first direct account Terms and Conditions. Pay for things with your iPhone, iPad or Apple Watch - it's quick, convenient and totally secure to use wherever contactless payments are accepted. Skip to . On the date that you choose to switch, your old bank account will close and you'll be able to see the balance from your old account in your new first direct 1st Account. If you're not happy with your account, you have a 14 day period after you receive your welcome pack to close your account. First Direct has temporarily pulled its current account offering to new customers as it looks to help existing users. If you're not happy with your account, you have a 14 day period after you receive your welcome pack to close your account. We won't pressure you to stay but we'll be sad to see you go. Banking is done differently at first direct. To get the £100 cash offer you need to open a 1st Account, switch your everyday banking to us using the Current Account Switch Service and pay in at least £1,000 within three months of opening the account. https://www.yourmoney.com/privacy-policy-2/. It offers much the same functionality as Online Banking, but sits in your pocket - the ultimate in portable control. call 03 456 00 24 24. We're the bank that changed what being a bank means - we're not over there, on the high street, we're right here, on your mobile or laptop. You can apply for an arranged overdraft up to £500 online, if you’d like a higher limit just give us a call when your 1st Account is open. We love coming to work every day - even Christmas Days and New Year's Days. 2. We’re delighted you’ve come for a look around. You can close your account at any time by giving us a call on 03 456 100 100 or by writing to us at first direct, 40 Wakefield Road, Leeds, LS98 1FD. Interest example: if you save £300 every month for 12 months and qualify for the 1.00% AER/gross p.a. I recently switched my bank account to First Direct and despite the seven-day switch guarantee it has been a nightmare. 1.1 The Current Account Switch Service Guarantee is issued by us after you have consented to this Agreement and Account Closure Instruction. As a result, the 'phone service is efficient and punchy. This offer is limited to one payment per customer or joint account, and you'll get the money within 28 days of all the criteria being met. Have a look at our Apple Pay page to find out more about this and to see if you have a compatible device. You can also ask us to reduce or remove your arranged overdraft limit at any time by calling us on 03 456 100 100. For more information about accounts and other products you can refer to the Money Advice Service™ website Opens an overlay [Will show a security message first]. The bank that never closes. — Kevin O'Malley Deadline to sign up by: 31 st January 2007 45 people signed up, 155 more were needed. If you are in your unarranged overdraft for greater than 30 days this could have an impact on your credit file. Other banks and building societies had better internet banking services at the turn of the millenium let alone now. You can call us any time of day or night, seven days a week, 365 days a year - for anything! All Rights Reserved. Please see the first direct Account Terms and Conditions for full details. The bank that does things differently. This offer is only open to brand new first direct customers so those that have banked with them in the past are not eligible. Customer relations do not care about the rude and unhelpful service. You may hold a HSBC current account and still qualify for the offer, as long as the current account was opened before 1 January 2018. first direct debit card Using your card outside the UK. Our App sits on your smartphone or tablet and lets you manage your money quickly and easily, whenever, wherever. Existing customers. The bank with real people answering the phone 24 hours a day, 7 days a week. At the moment, the bank charges a £10/mth fee on the account after you've had it for six months, though you can avoid paying this by doing at least one of the following: first direct is a division of HSBC UK Bank plc. Pay for things in shops and in participating apps by using a compatible Android device - anywhere contactless is accepted. Switching couldn’t be easier. First Direct has scrapped the monthly fee on its current account. Representative example: If you use an arranged overdraft of £1,200, you’ll be charged interest at 30.5% (0% EAR variable p.a on first £250, 39.9% thereafter). As such, cookies for this site are currently disabled. Whenever you call, you'll always get straight through to a lovely, warm, real human being, right here in the UK - no 'press 1 for...' nonsense, no overseas call centres. How to open the account: apply by phone. It also increased the interest free buffer on overdrafts from £25 to £300 for a three-month period to help customers affected by the coronavirus outbreak. Mobile Banking is our mobile banking App which can be downloaded to any mobile device that supports it and allows you to view your balances and recent transactions, make payments, transfer money between your accounts and much more. An unarranged overdraft may result in declined transactions. Make payments of £45 and under without having to hang around to insert your card or enter your pin; simply tap and pay. How to manage the account: once opened you can manage your account using Online Banking, by phone or by post. access to our 1.00% AER/gross Regular Saver Account. You are in section Your available balance represents funds that you are able to withdraw against (subject to any restrictions on withdrawals) and includes any arranged overdraft on your account, but may include cheques which have still not been paid and which could be returned unpaid, at a later date (see the first direct Account Terms and Conditions for late return of unpaid cheques). 5 weeks and counting to open one current account. We're the bank that makes banking feel more human and personal. We, us and our mean first direct, a division of HSBC UK Bank plc. Both balances may include transactions that … There are many ways we can help you to do these things. JavaScript is currently disabled on this computer/device. An unarranged overdraft is when you authorise a payment that would take your account overdrawn or beyond your arranged limit without agreeing in advance an overdraft to cover it. You are in section Home first direct uncovered Current Page. If you have, or had, a bank account with First Direct, you may have been sold a First Direct Packaged Bank Account (PBA). Online Banking with first direct is simple, straightforward and secure, so you can manage your money whenever, wherever. First Direct – an offshoot of HSBC – is offering new customers a £125 sweetener if they open a current account, pay in at least £1,500 a month and switch two direct debits. New to first direct. Bank Accounts Sorry, we can only offer this to people who haven’t previously held an account with us, and/or has not opened a HSBC current account on or after 1 January 2018. Lockdown easing: What you will be allowed to do from 17 May, The truth about Covid jabs and life insurance, Tui to offer £20 Covid tests for green list holidaymakers, Furlough figures fall by half a million as the economy re-opens, Retailers sign up to Which? Credit is subject to status and an assessment of your financial circumstances. 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