Who can apply?

You. Probably. If you're over 18, a UK resident, haven't been declared bankrupt or registered for an Individual Voluntary Agreement in the last six years (or be in the process of doing so), and have a phone number and email address we can contact you with, we'd love to welcome you.

Sweep your change into your savings

A 1st Account also gives you the option to set up a 'sweep', which automatically moves any spare money from your 1st Account to a first directSavings Account on any date you choose.

Regular Saver Account

Get into a good savings habit and the future you will say thanks. Put away between £25 to £300 each month, for a fixed 12 month term, and we'll give you a fixed rate of 1.00% AER/gross p.a. Find out more about our Regular Saver Account.

HSBC, First Direct, M&S Bank and John Lewis Finance borrowers who have fallen behind on repayments between 2010 and 2019 may get up to £100 in compensation after receiving a substandard level of service – and it's not a scam, despite some confusion caused by letters arriving out of the blue.

Interest example: if you save £300 every month for 12 months and qualify for the 1.00% AER/gross p.a. interest rate, you'll earn approximately £19.50 interest (gross).

1. World’s first multi cryptocurrency instant-messaging payments system by Alex Rolfe @ Payments Cards & Mobile. Fri Mar 23 07:12:50 PDT 2018. TransCrypt is using Telegram as a base to launch a new universal cryptocurrency payment system that acts within the interface of popular messaging platforms, allowing users to send or receive payments via message in all major cryptocurrencies.
2. Martin Lewis has issued an important warning to customers and former customers of HSBC, First Direct, M&S Bank and John Lewis Finance that they may get a letter out of the blue with a cheque in it. It comes as one man nearly binned an envelope containing £50 from First Direct after thinking it was a scam.

First Direct Paying In Cheques

AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed.