Terms and Conditions

This is where you can find the latest terms and conditions documents for all of 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
  • Fixed Rate Savings Bond

Here are your key documents:

Cash ISA Terms and Conditions

Our Individual Savings Account (ISA) Terms and Conditions.

Credit cards Terms and Conditions

Our first direct Credit Card Terms and Conditions.

Personal Loan Terms and Conditions

Our first direct Personal Loan Terms and Conditions.

Sharedealing

Our Shares service and Stocks and Shares ISA Terms and Conditions.