First Direct 1st Account (with firstdirectory)
Full product details for the First Direct 1st Account (with firstdirectory) current account, including account details, application criteria, facilities, rates, overdraft, fee & charges, incentives, student & graduate incentives and business accounts.
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First Direct 1st Account (with firstdirectory) Features & Benefits
| Representative Example | If you use an overdraft limit of £1,200 the interest rate charged will be 15.9% EAR (variable). | |
| Account Type | packaged | |
| Monthly Charge | £12 | There is a fee of £12.00 per month for first directory. There is also normally a monthly servicing fee of £10, if the customer does not meet certain criteria, however for all first directory customers this fee is waived. |
| Minimum Monthly Credit | £0 | There is no minimum monthly credit required. |
| Interest Free Overdraft Limit | £250 | An interest free overdraft of £250 is available. |
| Standard Overdraft Rate | 15.9% | The annual rate charged for authorised overdrafts is 15.9% EAR. |
| Headline Interest Rate | 0% | The headline interest rate is 0% AER. |
| Reward Payment | £0 | No reward payment payable. |
| Minimum Investment | £0 | There is no minimum investment required to open this account. |
| Internet Banking | yes | Free internet banking is available. |
| Branch Banking | no | This account cannot be operated through a branch, although limited transactions can be carried out in HSBC branches. |
| Telephone Banking | yes | Telephone banking is available 24 hours a day 365 days a year. All calls are charged at a local rate The range of services available include the following:- - Balance enquiry - Enquire about recent transactions - Set up, amend and cancel Standing Orders - Cancel Direct Debits - Bill payments - Request a postal statement - Request a cheque book - Request a paying-in book - Request a replacement card - Request a new PIN |
| Account Promotions | yes | |
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Great site, very informative! Bev |
Compare First Direct 1st Account (with firstdirectory) With These Current Accounts
The Co-operative Bank Current Account Plus
- The Co-operative Bank Current Account Plus has 4 days cheque clearance time.
- New customers can get std overdraft rate of 0%.
- 0 percent debit card fee worldwide.
- £0 minimum additional deposit is offered with this current account.
- Customers have the benefit of £0 overdraft buffer limit from The Co-operative Bank.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
Barclays Current Account Plus
- 0 percent debit card fee europe is available with the current account.
- Representative Example: Up to £300, 0% interest per annum (variable). £301-£5,000, 18.3% interest per annum (variable). Subject to status and application.
Lloyds TSB Vantage Silver Account
- You get RA, TOW breakdown cover from this Vantage Silver Account.
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- Europe incl UK travel insurance area.
- The current account gives a benefit person in any car breakdown cover.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 18.86% EAR (variable).
Lloyds TSB Private Banking Private Banking Premier Current Account
- Get monitoring, alert & report ID theft alerting.
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- Get £1 minimum withdrawal from Lloyds TSB Private Banking.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 10.9% EAR (variable).
Lloyds TSB Private Banking Mayfair Current Account
- 9.9 percent unauthorised O/D rate is offered.
- £1 minimum withdrawal is available.
- A 0 percent debit card fee europe is available.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 9.9% EAR (variable).
Halifax Student Current Account
- Get 1 working day interest paid on withdrawals.
- Customers get transaction charge of £0.
- Customers get 1 employment day BACS deposit clearance time from this current account.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
