HomeLegalsTerms and ConditionsOur Account Terms and Conditions

Our Account Terms and Conditions (Terms)

These Terms cover the following accounts:

  • 1st Account
  • Regular Saver Account
  • Savings Account
  • Bonus Savings Account
  • Everyday e-Saver
  • Fixed Rate Savings Bond (Fixed Rate Saver)
  • e-Savings Account
  • Everyday Savings Account

We know T&Cs can be heavy going but we've worked really hard to make sure ours are in as plain English as humanly possible, making it easy to find the information you need when you need it.

First things first (no pun intended), our 'current account' is called 1st Account.

And First Directory is a package of benefits available to 1st Account holders for a monthly fee. Benefits include Worldwide Travel Insurance, Motor Breakdown Assistance, Mobile Phone Insurance, reduced fee non-Sterling ATM withdrawals, leisure benefits and offers. For more information contact us or visit our First Directory page

Sterling means Great British (GB) pounds.

UK means England, Scotland, Wales and Northern Ireland.

Important changes

We are making some important changes to

  • our Account Terms and Conditions
  • our Banking on the go App Terms and Conditions
  • our Give me the facts brochure

which all take effect on 13 January 2018. Please read the Notice of Variation to first direct Account Terms and Conditions to find out more. If you are already a first direct customer we will be sending you a copy of these changes.

Our charges

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. We hope you're making notes.

Our charges

A guide to our accounts

A guide to our accounts

This page explains key information about each of the accounts covered by these Terms and any details that are specific to them.

These summaries form part of the overall Terms along with the ones that apply to all our accounts which are in the following section.

A guide to our accounts

Terms that apply to all our accounts

Terms that apply to all our accounts

Here you'll find full details of the Terms that apply to all the accounts covered by these Terms.

They cover protecting your account(s), payments in and out, how things like our Debit Card and Internet Banking work, credit and debit interest and much more so it's worth taking the time to understand them.

Terms that apply to all our accounts

Stuff you really need to know

To make things as easy as possible we've highlighted below the sections we think are particularly important or that you might need to refer to most often. Our Terms are packed full of useful information so you should look through them all carefully but it's worth taking extra care with bits that are important to you.

You can also download our Terms and the Notice of Variation to our Terms effective from 13 January 2018 in PDF format if you want to keep a copy for your records.