Save it for the souvenirs

Pay no first direct fees on your debit card when spending abroad. While we won’t charge you any first direct fees, you may still be charged fees that are outside of our control. Terms and conditions apply.

1.7 million customers, and loads of them have stayed with us for over a decade

Rated 4.4 stars and excellent on Trustpilot on 8 February 2024 based on 21,822 reviews

Banking in black and white

  • Open an account in minutes
  • A virtual card to use straight away
  • No monthly fees

Your money, on your mobile

  • Saving and budgeting tools
  • Track your spending
  • Freeze and unfreeze your card
  • Secure log on
  • Simple help topics and live chat if you're having trouble

And that's not all we can offer

  • Savings accounts that really help you save, with interest
  • Credit cards for purchases and balance transfers
  • Tailored loans built for you
  • Mortgages that make you feel right at home
  • Insurance for protecting the things that matter most

Wherever you find yourself during the cost-of-living crisis, we're here to help you through it

Independent service quality survey results

Published February 2024

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 16 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Overall Service Quality. We asked customers how likely they would be to recommend their personal current account provider to friends and family. Ranking: 1 Monzo 80% 2 Starling bank 78% 3 first direct 77% 4 Nationwide 69% equal 5 Halifax 66%.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on the SQI page

See full results >

Authorised push payment (APP) fraud rankings in 2022

Authorised push payment (APP) fraud happens when someone is tricked into transferring money to a fraudster’s bank account.

These charts use data given to the Payment Systems Regulator (PSR) by major banking groups in the UK in 2022.

You can read the full report by visiting www.psr.org.uk/app-fraud-data

Share of APP fraud refunded
This data shows the proportion of total APP fraud losses that were reimbursed, out of 14 firms. Higher figure is better. 

APP fraud sent per £million transactions
This data shows the amount of APP fraud sent per million pounds of transactions, out of 14 firms. Lower figure is better.

APP fraud received per £million transactions: smaller UK banks and payment firms
This data shows the amount of APP fraud received per million pounds of transactions, ranked out of 20 firms. Lower figure is better.

APP fraud received per £million transactions: major UK banks and building societies
This data shows the amount of APP fraud received per million pounds of transactions, ranked out of 20 firms. Lower figure is better. 

Your eligible deposits with HSBC UK Bank plc are protected up to a total of £85,000 or up to £170,000 for joint accounts, by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. 

 

This limit is applied to the total of any deposits you have with the following: HSBC UK Bank plc and first direct. Any total deposits you hold above the limit between these brands are unlikely to be covered.