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Charges

We're committed to helping you stay in control of your money. One way we do that is by letting you know up front about any charges that might apply to any of our accounts - after all, nobody likes a nasty surprise. Have a look through the tabs below for more detailed information about each products' charges.

first direct debit card

Using your card outside the UK

All foreign debit card payments or cash withdrawals outside the UK are converted to Sterling by VISA or MasterCard (as appropriate) using their Payment Scheme Exchange Rate which applies on the day of the conversion. Details of the current wholesale market exchange rates can be obtained by calling us on these numbers: in the UK  03 456 100 100 (Text-phone 03 456 100 147) or from outside the UK +44 113 234 5678 (Text Relay+44 151 494 1260).

For all foreign currency transactions, including cash withdrawals, we'll charge a fee of 2.75% of the transaction. This fee will be shown as a separate line on your statement as a 'non-Sterling transaction fee'. We'll deduct the payment from your account once we receive details of the payment from the card scheme, at the latest, the next working day.

See more information on the rate of exchange Visa used when converting your transaction.

 

Using cash machines outside the UK

When using cash machines outside the UK, as well as the non-Sterling transaction fee (described above), we'll also charge an ATM transaction fee: currently 2% (minimum £1.75, maximum £5.00). But if you're a First Directory customer, you won't be charged this extra fee (applies to the account the First Directory fee debits from).

Please be aware that some cash machine operators may also apply an additional charge for withdrawals made from their cash machines, and this will be advised on screen at the time of withdrawal.

 

  1st Account
Cancel a cheque
1st Account

Free

Copy of a cheque/credit
1st AccountFree
Special presentation of a cheque
1st Account£10.00 
Status Enquiry (including VAT)
1st Account£10.72 

UK bank draft

A different charge may apply if collected from a HSBC Bank branch

1st Account£20.00
Inward payments received from banks within UK:
1st Account

in Sterling: Free

 

in currency above £100 equivalent: £8.00

The issue of an indemnity for a lost share certificate/dividend warrant and sundry items
1st Account0.5% of the value, minimum £50
Branch payment cheque (drawn on Savings Accounts)
1st Account£10.00
Duplicate Statements (per statement); on e-Savings and Everyday e-Saver Account
1st Account£2.50
Duplicate credit card Statements (per statement)
1st Account£5.00
Interim Statements (charges per month):
1st Account

Additional monthly/3 weekly

£1.00

 

Fortnightly

£2.00

 

Weekly

£4.50

 

Daily

£20.00