Home Legals Website Terms and Conditions Current Page

Website Terms and Conditions

This information sets out the Terms and Privacy Statement ('Terms') of firstdirect.com and any sub-domain e.g. mortgages.firstdirect.com (the 'Site'). This Site is operated by first direct and we are a division of HSBC UK Bank plc, which is owned by HSBC Holdings plc. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy and Privacy Notice.

HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is listed with the reference number 765112. HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office is at 1 Centenary Square, Birmingham, B1 1HQ. HSBC UK Bank plc's registered VAT Number is GB 365684514.

HSBC UK Bank plc is a member of the Financial Ombudsman Scheme and adheres to The Standards of Lending Practice (PDF). For information about accounts and other products you can refer to the Money Advice Service website.

What do you mean by...?


When we say...

we mean...


all pages, screens, information and materials included in or accessible through this Site

(including any content available on any email or SMS services)

The site

the first direct website (firstdirect.com) and sub-domains

(e.g. mortgages.firstdirect.com)

Terms these conditions of use
We, us, our first direct, a division of HSBC UK Bank plc
You, your, yours you, the person(s) accessing this Site and the party on whose behalf you are doing so
HSBC Group HSBC Holdings plc, its subsidiaries and associated companies from time to time


Site terms

These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

We may change the content or services found on our Site at any time without notice, and consequently the Terms may change at any time in the future.

Information, not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

If you rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finance, you should always consult suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

This website is provided by first direct which is a division of HSBC UK Bank Plc ('HSBC UK'). HSBC UK is authorised in the United Kingdom by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

This website is designed for use in the United Kingdom. The products and services represented within this website are intended for UK customers.

Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members. The information provided on this Site isn't intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site shouldn't be considered as communicating any invitation or inducement to engage in banking or investment activity, or any offer to buy or sell any securities or other instruments, outside Authorised Countries - Authorised Countries being any jurisdictions where first direct is licensed or authorised to perform such activities.

If you are outside the United Kingdom, we may not be authorised to offer or provide you with the products and services available through this website in the country or region in which you are located or resident.

No warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 ('the Act'), or the rules of the FCA for the conduct of business.

While we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an 'as is', 'as available' basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site, to the maximum extent permitted by law.

We don't represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You must take sole responsibility for adequate protection and back up of data and/or equipment, and you must also undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and endorsements

When we give hypertext links to other locations on the Internet, we do it for information purposes only. We're not responsible for the content of any other websites or pages linked from or to this Site, and we haven't verified the content of any sites we link to. If you follow links to any other websites or pages, this is at your own risk, and we won't be responsible or liable for any damages or losses connected to anything you click on. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only - we're not responsible or liable for any difficulties or consequences associated with downloading or using the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Trademarks and copyright

Copyright of all pages, screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC UK Bank plc, unless otherwise noted. You can print, copy, download or temporarily store extracts from our Site for your personal information, or when you use our products and services, but you must not alter anything and any other use is prohibited without securing our written permission first. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure - they could be intercepted, lost or possibly altered. We can't and won't take responsibility for this, and won't be liable to you or anyone else for any damages or otherwise, in connection with any message sent - either by you to the Bank, or by the Bank to you - over the Internet.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. We will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers.

Social media

first direct operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. Unless we say otherwise, these are intended for UK customers. We monitor and record comments and posts made on these channels about first direct so that we can improve our services.

first direct is not responsible for any information posted on those sites unless we posted it ourselves. We use them as channels of communication - we don't endorse the social media platforms themselves, nor do we endorse any information posted on them by third parties or other users.

first direct doesn't give investment, tax or other professional advice via social media sites - if you're looking for help making decisions like this, you need to seek independent advice.

When you engage with first direct via social media your personal data may be stored on that social media site's servers, which are outside the control of first direct and may be in the US or elsewhere outside the EU. In addition, anything you post on these sites may be accessed and read by the general public. Because of this, social media channels really aren't a sensible place to discuss your products or financial arrangements. first direct will never ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.

We enjoy being social, and first direct regularly updates and monitors social media accounts, welcoming feedback and ideas submitted via these channels. We also try to join the conversation whenever possible. However, we can't guarantee that we'll reply individually to all messages received via these channels - if you need to get in touch and receive a definite response, it's much better to call us or send a message via Online Banking or the Mobile Banking App. In a similar vein, while we'll always make sure that emerging themes and helpful ideas are passed on to the right people in the building, we can't guarantee that your amazing idea for Free Money Mondays will be acted upon. Sorry...


We operate two official first direct Twitter accounts:



If either of these first direct accounts follow another Twitter user, this does not imply endorsement of any kind.


We operate one official first direct Facebook account:


This page has its own terms of use, which you'll find on the Facebook page itself.

Governing law

The Terms are governed by, and interpreted in accordance with, the laws of England and Wales, the courts of which will have non-exclusive jurisdiction in any disputes that may arise.

Your queries

If you wish to contact first direct, please refer to our contact us page.