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

Give me the facts

Interest Rates and Charges - Interest Rates and Charges (excluding 1st Account. For 1st Account please see Account Terms and Conditions)

Information Sheet and Exclusion List

Savings Accounts
Regular Saver ISA Terms and Conditions
Cash ISA Key facts and Terms and Conditions
Fixed Rate Savings

Credit cards Terms and Conditions

Cards Terms and Conditions

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

Travel Money

Travel Money Terms and Conditions and purchase agreement

Banking on the go

Important information about us
Current Banking on the go Terms and Conditions (effective from 20 September 2016)
Previous 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)
Paym Terms and Conditions (effective from 14 October 2014)


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