Current offers

Personal Loan

Representative 4.0% APR for loans between £7,000 and £25,000

If you are registered for Internet Banking you can apply online and could have the money in your account on the same day. Terms and Conditions apply.

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Whether you're buying your first home, moving or remortgaging, take a look at first direct's range of mortgages.

From repayment to offset, to fixed and tracker, our variety of mortgages have two things in common - brilliant award winning service and leading rates.

Use our handy calculator to view and compare our range of mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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Gold Card

0% on balance transfers for 20 months on transfers made within the first two months of account opening. A Balance Transfer fee of 2.9% (min £5) will be charged for all transfers.

Representative 16.9% APR variable for the Gold Card.

Representative example: based on an assumed credit limit of £3,000, our 16.9% rate p.a. for new purchases gives a representative rate of 16.9% APR variable.

We will not transfer balances between cards operated by members of the HSBC Group. Any request to do so will not be processed. The HSBC Group means HSBC Bank plc, its subsidiaries, associated and affiliated companies and includes Marks & Spencer Money, John Lewis Partnership Card and first direct.

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First Directory

Discover a selection of useful services and benefits designed to work with your 1st Account.

Worldwide Travel Insurance (for eligible customers aged under 70), 24 hour Motor Breakdown Assistance, Mobile Phone Insurance up to £600 cover (subject to a £35 excess per claim) and commission free currency for telephone orders.

Policy Terms and Conditions apply.

£15 monthly fee applies. Minimum contract is 12 months, and renewable monthly thereafter.

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Fixed Rate Savings

Looking to save £2,000 or more? Our Fixed Rate Savings pays rates of between 1.00% AER/gross and 1.20% AER/gross on lump sum balances of between £2,000 and £1 million over a fixed term (rate available until 30 September 2014. Deposit matures 30 September 2015).

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Life Insurance

A simple, affordable way to protect your family and loved ones should the unexpected happen.

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Home Insurance

Whatever level of protection you need, first direct has cover to suit you.

15% Discount Offer:
This offer is open to new first direct Home Insurance customers, who obtain a quotation for buildings and/or contents cover. This offer does not apply to existing customers whose first direct Home Insurance policies are due for renewal during the offer period.

The offer applies to quotations with a minimum premium of £70.00 for buildings, £60.00 for contents and £130.00 for a combined buildings and contents policy (after the application of the 15% discount). The premium quoted will be inclusive of the 15% discount.

Minimum premiums apply.

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Car Insurance

Top-notch Car Insurance and pay monthly at no extra cost.

Minimum premiums and Terms and Conditions apply. Offer only available to customers who already hold a first direct 1st Account and open to new Car Insurance customers only. The offer does not apply to existing customers who's first direct Car Insurance policy is due for renewal during the offer period.

If you're not happy for any reason up to three months, you can cancel your policy without a cancellation charge.

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