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Existing customers

Managing your first direct credit card

If you have a first direct Credit Card or Gold Card, you can log on to Online Banking to do all sorts of things:

  • make a payment
  • check your balance
  • order a replacement PIN
  • order a replacement card
  • set up a Direct Debit to pay your monthly bill.


Balance transfers

Give us a call any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.


Going abroad?

Lucky you... Your card will be accepted at over 19 million outlets worldwide and you can use it to withdraw up to £500 a day from over 1 million cash machines (though remember, the ATM owner may charge you and other fees and charges may apply - see details below). You don't have to let us know before you go on your travels, you can go safe in the knowledge that we will look out for any unusual spending on your accounts as we would do when you're here at home. As always, please make sure we have your up to date telephone numbers (you can send us a message on Online Banking).

If you pay for something in the local currency, take local currency out of a cash machine, or request a cash advance, we'll charge you a non-Sterling transaction fee of 2.99% of the amount. Your transactions will be converted to Sterling by Visa, using the interest rate applicable on the day of the conversion - read more about how Visa convert foreign transactions - and we'll add the transaction and any associated fees to your card balance as soon as Visa have done this, or next working day at the latest.

Before you go you can also use your card to order travel money online. This is classed as a cash advance, so a cash advance fee applies. Have a good trip!

For details on how we will use your personal information, please see our Privacy Notice (PDF). first direct Travel money is provided by Travelex Currency Services Limited.  Please read their Privacy Notice shown within the order form.

Cost illustration of making a non-Sterling transaction of €100 on 6 June 2016 with a Visa exchange rate of 1.28442 = £77.86.

    Purchases ATM Withdrawal
Gold Card Non-Sterling Transaction Fee (2.99%)
Purchases£2.33 ATM Withdrawal£2.33
Cash Fee PurchasesN/A ATM Withdrawal£3.00
Credit Card Non-Sterling Transaction Fee (2.99%)
Purchases£2.33 ATM Withdrawal£2.33
Cash Fee
PurchasesN/A ATM Withdrawal£3.00

Card Protection Plan

If you've signed up to our Card Protection Plan and need to report a lost or stolen card, or need help in an emergency, call 0800 085 0227 round the clock. They're on hand to help 24/7.

Card Protection is provided by our friends at Card Protection Plan Limited.


Can't make a repayment?

If you're worried about your finances, don't keep it to yourself. We'd like to help. Visit our 'Financial management' section for useful information on budgeting, who to speak to here at first direct and links to organisations who may be able to help.