Credit card help

Need some help with your first direct credit card? Then you've come to the right place.

Making your first payment

Making your first credit card payment from your 1st Account is straightforward. Set up ‘first direct’ as a new ‘large business’ payee.

See our step-by-step guide below.

Guide to making a payment

Paying again

Making another payment from your 1st Account? Use your saved payee.

See our step-by-step guide below.

Step by step guide

Direct Debits

Read our guide to setting up Direct Debits (minimum, fixed amount or full balance).

Find out more about Direct Debits

Other ways to pay

See how to pay from another bank in the FAQs below.

You can also pay using Online Banking or by calling 03456 100 100.

Log on to Online Banking Link will open in a new window

Making a payment

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Making your first credit card payment (from a 1st Account)

To make your first payment, you’ll need to set up first direct as a new payee:

Using our first direct App -

tap the 3 dots next to the account you’re paying from
select Payments → Send and transfer money
tap Send to a new business
choose Large (Based in the UK)
search for first direct (iPhone: Search / Android: Company)
select the option that matches the first 6 digits of your credit card number
enter the reference: your full 16-digit credit card number
enter the amount and payment date, then tap Next → Confirm.

Using our Online Banking -

click Move Money
click New large Business in the UK
follow instructions 5 to 8 above

You only need to do this once — the payee details will be saved for next time.

Alternatively, you can give us a call on 03456 100 100.

Making another payment from your 1st Account

You’ve already done the leg work, now all you need to do is:

Using our first direct App -

tap the 3 dots next to the account you want to pay from
select Payments then Send and transfer money
tap Send to an existing payee
select your credit card from the existing payees list
follow the on-screen instructions.

Using our Online Banking -

click Move Money
click Existing UK payee and My accounts
follow instructions 4 to 5 above

You only need to do this once — the payee details will be saved for next time.

Alternatively, you can give us a call on 03456 100 100.

Setting up a Direct Debit

You can either set up a Direct Debit for your new credit card when you apply or after you've applied.

To do it afterwards, simply go to ‘Help’ on our App, then ‘Chat now’ and type ‘Set up a Direct Debit to pay my credit card’.

To do this via Online Banking just select ‘Message us’ and type the same message.

Find out more about Direct Debits and how they work in our Direct Debits guide.

How do I pay my credit card from another bank?

If you’d like to make a payment to your first direct credit card from another bank, you’ll need your 16-digit credit card number ready. You’ll find this printed on your card or on your statement.

To complete your payment, simply transfer the funds to:

account number 89001646
sort code 40-42-46.

You will need to have referenced your 16-digit card number when making your payment. This will ensure your payment is made to your first direct credit card.

How do I check if my Credit Card payment has gone through?

Once you’ve made a payment to your first direct credit card, the amount will appear on your card within 2 working days. You can easily check this by reviewing your balance on our App or via Online Banking.

If you don’t have access to our App or Online Banking, simply call us on 03456 100 100 and we’ll be happy to help.

Please note: If you receive a refund for goods or services on your credit card, this won’t count as a payment towards your account. You may still be required to pay at least the minimum balance by the due date to avoid any additional fees.

Charges and due dates

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Do I get charged for using my card abroad?

One or more of the following fees may apply when using your first direct credit card abroad:

Fee	Rate	Minimum charge
Non-Sterling Transaction Fee	2.99% of the transaction amount in Sterling (rather than the currency of the transaction)	Minimum £3
Cash Fee	2.99% of cash or cash-related payments	Minimum £3

You can find a full summary of charges for your first direct credit cards here:

Balance Transfer credit card - Credit Card Summary Box PDF
Gold card - Gold Card Summary Box PDF.

What are the charges on my first direct credit card?

We understand credit card charges can be confusing sometimes, so we've put all our charges and fees together in our Summary Boxes.

Balance Transfer credit card - Credit Card Summary Box PDF
Gold card - Gold Card Summary Box PDF.

How do I check or change my credit card due date?

You can check your credit card due date on your statement.

If your first direct account doesn’t have a linked email address (or you have opted for paper statements), your statement will be sent by post. For digital users, simply log in to our App or Online Banking to view your statements.

To change your payment date, please get in touch with us by typing 'I'd like to change my credit card payment date' using our chat service on our App or via Online Banking.

Alternatively, you can call us on 03456 100 100.

Manage your credit card quickly and easily. Sort your PIN (whether you've forgotten it, need to change or unlock it), check your card details and limits, make a balance transfer and view statements. You can also activate your card or report it lost, stolen or damaged. It’s your one-stop shop for card admin.