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

• Cash ISA Terms and Conditions (PDF)

Credit cards Terms and Conditions

• Cards Terms and Conditions (PDF)

Sharedealing

• Shares service Terms and Conditions (PDF)
• Stocks and Shares ISA Terms and Conditions (PDF)

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)