Banking on the go iPhone® App

What username do I use to log on?

You use your Internet Banking username because the App accesses some Internet Banking services. If you are not registered for Internet Banking, please call 08 456 100 100 (see 'Contact Us' for all telephone numbers).

What is my username?

Your username is the unique name that you created when you registered for Internet Banking. It can be between 5 and 76 upper and lower case letters and numbers.

I've forgotten my username?

Go to the Internet Banking log on screen at firstdirect.com to reset your security information.

I've forgotten my password?

Go to the Internet Banking log on screen at firstdirect.com to reset your security information.

Is this App secure?

When you use the App you are accessing Internet Banking, and so the level of security is the same as when you log on at firstdirect.com. Remember though, you need to take all reasonable precautions to keep safe and prevent fraudulent use of your security details. You should make sure you log off after you have finished using Internet Banking. For additional security if you don't use Internet Banking for 15 minutes your session will be 'timed out' and you'll be logged off automatically.

Which accounts can I view/access?

The App accesses Internet Banking and so you can see all the same accounts as when you log on to Internet Banking at firstdirect.com.

What does my balance include?

The balance on your account will either be in credit or debit. It may include transactions that are still being processed and so may be subject to change. It is possible that certain transactions may debit and credit your account throughout the day. Your balance will always be the most up to date balance when you first log on. Your first direct credit card balance is correct at close of business the previous day.

Can I view transactions?

Yes, you can view your last 20 transactions. To help us prevent fraud you must tell us immediately by calling us if you don't recognise any transaction shown on your statement or if you think any payment you have authorised has been executed incorrectly. If you don't tell us promptly (at the latest within 13 months of the date the transaction was deducted from your account), we may be unable to correct any errors.

What charges information can I see?

Charges that have already been deducted from your account will be shown as transactions on your statements. You will need to log on to Internet Banking at firstdirect.com to see details of monthly charges, fees and interest that will be deducted from your account (you will not be able to see this on the App).

What payments can I make?

You can make transfers between your accounts with us and payments to an existing person or organisation using the App. An existing person or organisation is one that is included on the list of payees for your account - any payee that you have not sent a payment to for 13 months will be removed from the beneficiary list.
However, if you want to cancel or amend a payment, or make a payment to a new person or organisation (including setting up a new standing order), you must log on to Internet Banking at firstdirect.com.

What is the available balance?

The available balance on your account includes the amount of cleared funds in your account (if any) together with any unused part of any formal overdraft limit you have.
The available balance displayed may also include cheques that have credited your account but are not yet available to withdraw. You will normally have to wait three business weekdays after a cheque is paid in before withdrawing the money. However, please note that if a cheque that has been paid into your account is then returned unpaid, the amount of the cheque will be deducted from your account even if it has been included as part of your available balance. If this would either make your account go overdrawn or go over an existing overdraft limit, we will treat this as an informal request for an overdraft.

Can I cancel or amend payments?

You cannot cancel or amend a payment using the App. You can do this by logging on to Internet Banking at firstdirect.com.

Can I send secure messages?

Not from your App but you can log on to Internet Banking at firstdirect.com to do this.

Will you send me secure messages?

We may send secure messages to your Internet Banking inbox, but you must log on to Internet Banking at firstdirect.com to see these. It is important that you check your inbox regularly - we recommend you do this every 14 days.

Can I send an email to you from my iPhone?

We recommend that you do not send external emails from your iPhone to us, as they may not be secure. Please log on to Internet Banking at firstdirect.com and send a secure message, or call us on 08 456 100 100.

How quickly do you respond to messages?

We will respond to your messages within 24 hours. Whilst in all instances we may not have the answer to your query we will be able to advise you of the likely timescales for dealing with your query.

Is there a charge for the App?

We don't charge you for this App, but we can't say the same for your network provider, who may charge you for downloading and using the App. You'll be responsible for these charges.

Can I use the App abroad?

We recommend that you don't use this App abroad, but if you do, you'll need to make sure that it's permitted by local law, and remember your network provider's charges may be higher.

Can the App be withdrawn?

The App may be withdrawn at any time; we will do our best to tell you if this is going to happen.

It's important that you only download Apps in accordance with the Terms and Conditions that you have agreed with Apple.

If you need any help using the first direct Banking on the go iPhone App call our Digital Support Team on 08 456 100 234 which is open 7am to 11pm, Monday to Friday, and 8am to 11pm on Saturday and Sunday.

Not yet a customer?

The first direct iPhone App is only available to use once you become a first direct customer and register for Internet Banking.