Our charges

Your charges will depend on how you use your account and the services we offer. Our 'Give me the facts' brochure explains which payments can be made from which accounts.

Payments out of your account

Charges for payments out of your account up to the end of 30 October 2016

Payment types   Telephone Banking Internet Banking Post
Payments in the UK
Electronic Fund Transfers   £25 n/a £25
International payments To another first direct or HSBC account £10 n/a £10
  To non-first direct or non-HSBC accounts £25 n/a £25

With effect from 31 October 2016, charges for payments out of your account will be:

Payment types   Telephone Banking Internet Banking Post
Payments in the UK
Electronic Fund Transfers   £25 n/a £25
International payments To another first direct or HSBC account £0 n/a £0
  To non-first direct or non-HSBC accounts £4 n/a £4

You'll be charged for these services when you ask for them.

We may charge if you ask us to investigate a payment but we'll always tell you what the charge is before we do.

If you're making an international payment, the bank who receive it and any foreign bank we use to send the payment may also make a charge. You'll only pay these charges if you select 'sender to pay all charges' when setting up your payment. If you don't, the person/organisation will have to pay to receive the payment.

Non-Sterling debit card payments (includes cash withdrawals)

If we convert a payment to Sterling for you, Visa will use the Visa Payment Scheme Exchange Rate that applies on the day they process it. We'll then charge you a Non-Sterling Transaction Fee, currently 2.75% of the converted amount.

You can get details of the Visa Payment Scheme Exchange Rate by contacting us or by visiting our 'Using your debit card abroad'

Cash machine withdrawals

You'll be charged a Non-Sterling Cash Fee of 2% (min £1.75, max £5) for withdrawals:

  • in a foreign currency from cash machines outside the UK, Channel Islands and Isle of Man
  • in the UK, Channel Islands and Isle of Man if we convert them into another currency
  • in Sterling from cash machines outside the UK, Channel Islands and Isle of Man.

If you're a First Directory customer, you won't be charged these fees if your transaction is made from the account you pay your First Directory fee from.

Some cash machines may charge you for withdrawals. Don't pay unless you have to - there may be a free one just round the corner.

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Payments into your account

Non-Sterling electronic payments
Payments of over £100 £8 each
Sterling electronic payments from banks outside the UK
Payments of £100 or more £6 each

If a payment is made to you in Sterling, the charge is taken before we credit it to your account.

If a payment is made to you in another currency, we'll credit the full amount to your account and charge separately.

We won't charge for payments of up to €50,000 (or 500,000 Swedish Krona) from countries in the EU if the relevant identification numbers are provided i.e. Bank Identifier Code (BIC) and International Bank Account Number (IBAN).

Foreign cheques (in a foreign currency or a Sterling/Euro cheque from a bank abroad)

We can either negotiate (where it's in the same currency as your account) or collect (where it's in a different currency to your account) foreign cheques to be paid into your account - see section 10 for more details.

Charge per cheque for negotiation or collection
Up to £250 £7
Over £250 0.5% (min £10, max £50)
Return fee £10

You'll also have to pay any fees charged by our agent or other banks involved in the transaction.

Cheques from banks in the Eurozone and written in Euros have a flat fee of £7.

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Other charges

Other charges
Paper statements for e-Saver and Everyday e-Savings Accounts £2.50 per statement
Extra statements:
Additional monthly or 3 weekly £1 per month
Fortnightly £2 per month
Weekly £4.50 per month
Daily £20 per month
Cancelling a bank draft £10 each
Stopping a lost or stolen bankdraft £10 each, plus any fees charged by the bank where the draft is from
Special Presentation - when we need to contact the bank that issued a cheque to make sure it will be paid £15 per cheque
Stopping a cheque:
For less than £10 Free
For cheques of £10 and above £7
There's no charge for stopping stolen or lost blank cheques
Branch payment cheque (from a savings account) £10
Us giving you a reference £10.72 each including VAT
Original request for a UK bank draft £20 each

If you usually get your statements via Internet Banking but you need a paper statement, we won't charge you unless you ask for more than one copy. Fair's fair...

If we have to act in line with legislation or a Court Order relating to your account(s) eg some types of Debt Order, we may charge an administration fee of up to a maximum of £55.

We may charge for other services eg sending information to other companies for you, but we'll always explain the cost and give you the chance to change your mind before we provide them.

It's also worth remembering that depending on the circumstances there may be other party's taxes or costs that may apply to you that aren't charged by us and/or won't be paid through us.

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