Terms and Conditions for our products and services
Account Terms and Conditions and Charges (including savings)
The Account Terms and Conditions and Charges apply to the following accounts: 1st Account, Savings Account, Regular Saver, Bonus Savings Account and Fixed Rate Savings Bond.
- Account Terms and Conditions and Charges (PDF)
- Privacy Notice (PDF)
- Glossary of terms (PDF)
- Information sheet and exclusion list (PDF)
Cash ISA Terms and Conditions
Credit cards Terms and Conditions
Sharedealing
First Directory
- First Directory Terms and Conditions (PDF)
- Worldwide Travel Insurance policy booklet – effective from 1 August 2025 (PDF)
- Mobile Phone Insurance policy booklet – effective from 1 August 2025 (PDF)
- Motor Breakdown Assistance policy booklet - effective from 1 July 2023 (PDF)