Legals

Terms and Conditions

While Terms and Conditions might not sound particularly exciting, they're actually surprisingly important.

So we've tried to make our Terms as easy to understand as possible - and we've avoided as much legal jargon as we can.

Our downloads are in a PDF format. To read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here.

first direct product conditions

first direct account Terms and Conditions

The first direct Account Terms and Conditions apply to the following accounts: 1st Account, Savings Account, Everyday Savings Account, Everyday e-Saver Account, Regular Saver Account, Bonus Savings Account and e-Savings Account.

In addition, for all products you have with us, your use of Internet Banking, Telephone Banking and Text Message Banking will be subject to the first direct Account Terms and Conditions.

first direct Account Terms and Conditions - effective for accounts opened from 1 October 2015 (1st Accounts, Regular Saver Accounts, Savings Accounts, Bonus Savings Accounts, Fixed Rate Savings Accounts and Everyday e-Saver Accounts (no longer on sale))

first direct Account Terms and Conditions - effective for accounts opened up to 30 September 2015 (1st Accounts, Regular Saver Accounts, Savings Accounts, Bonus Savings Accounts, Fixed Rate Savings Accounts, Everyday e-Saver Accounts (no longer on sale), Everyday Savings Accounts (no longer on sale) and e-Savings Accounts (no longer on sale))

Give me the facts

Interest Rates and Charges - effective for accounts opened from 1 October 2015 (1st Accounts, Regular Saver Accounts, Savings Accounts, Bonus Savings Accounts, Fixed Rate Savings Accounts and Everyday e-Saver Accounts (no longer on sale))

Interest Rates and Charges - effective for accounts opened up to 30 September 2015 (1st Accounts, Regular Saver Accounts, Savings Accounts, Bonus Savings Accounts, Fixed Rate Savings Accounts, Everyday e-Saver Accounts (no longer on sale), Everyday Savings Accounts (no longer on sale) and e-Savings Accounts (no longer on sale))

Information Sheet and Exclusion List

Savings Accounts
Regular Saver ISA Terms and Conditions
Notice of Variation to Regular Saver ISA Terms and Conditions with effect from 6 April 2016
Cash ISA Key facts and Terms and Conditions
Notice of Variation to Cash ISA Key Facts and Terms and Conditions with effect from 6 April 2016
Fixed Rate Savings

Credit cards Terms and Conditions

Cards Terms and Conditions

Sharedealing
Shares Service Terms and Conditions
Stocks and Shares ISA Terms and Conditions

First Directory

First Directory Terms and Conditions

Important notes

Worldwide Travel Insurance policy summary and document

Mobile Phone Insurance policy document

Motor Breakdown Assistance policy summary and document

International accounts

International Instant Access Account Terms and Conditions

Banking on the go

Important information about us
Banking on the go Terms and Conditions (effective from 22 January 2016)
Previous Banking on the go Terms and Conditions (effective from 11 December 2015)
Previous Banking on the go Terms and Conditions (effective from 30 March 2015)
Paym Terms and Conditions (effective from 14 October 2014)

 

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