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Charges

We're committed to helping you stay in control of your money. One way we do that is by letting you know up front about any charges that might apply to any of our accounts - after all, nobody likes a nasty surprise. Have a look through the tabs below for more detailed information about each products' charges.

Show the section Banking charges

first direct debit card

Using your card outside the UK

All foreign debit card payments or cash withdrawals outside the UK are converted to GBP by Mastercard using their Payment Scheme Exchange Rate which applies on the day of the conversion. Details of the current wholesale market exchange rates can be obtained by calling us on these numbers: in the UK 03 456 100 100 or from outside the UK +44 113 234 5678.

We don't charge any fees for making debit card payments, or cash withdrawals, in a foreign currency or from a cash machine outside the UK. But some cash machine operators may apply a direct charge for withdrawals from their cash machines and this should be advised on screen at the time of withdrawal and the fee will be shown as a separate line on your statement.

See more information on the rate of exchange Mastercard Opens an overlay [Will show a security message first]used when converting your transaction.

	1st Account
Cancel a cheque	1st Account Free
Copy of a cheque/credit	1st AccountFree
Status Enquiry (including VAT)	1st Account£10.72
Inward payments received from banks within UK:	1st Account in Sterling: Free in currency above £100 equivalent: £8.00
The issue of an indemnity for a lost share certificate/dividend warrant and sundry items	1st Account0.5% of the value, minimum £50
Branch payment cheque (drawn on Savings Accounts)	1st Account£10.00
Duplicate Statements, interim or additional statements (e.g. fortnightly, weekly)	1st AccountFree

Show the section Credit card charges

Credit card charges

Cash advance

2.99% cash fee, minimum £3.00 (includes cash withdrawals both in the UK and abroad, internal transfers, the purchase of foreign currency, travellers cheques and certain balance transfers).

Foreign usage

2.99% of the amount of the non-Sterling transaction (a foreign currency) will be added as an adjustment to the exchange rate. Non-Sterling transactions are converted to Sterling by VISA using wholesale market rates applying on the day conversion is made, usually the date the transaction is applied to your account. For more information please visit Visa. Opens an overlay [Will show a security message first]

Introductory balance transfers

2.99% of the amount transferred (minimum £5) within three months of account opening.

Balance transfers	2.99% of each balance transferred, minimum £5
Late payment fee	£12.00
Duplicate credit card statements	Free

Show the section Sharedealing charges

Online sharedealing charges

Account fee

Sharedealing Account fee
Sharedealing Account feeOn the last business day of each quarter you will be charged an Account Fee. This is payable quarterly in arrears. This is subject to having held the account for a full calendar quarter.	£10.50 including VAT

Online trades

Sharedealing rates and fees
Sharedealing rates and feesUK equities	£10.50
Sharedealing rates and feesUK transactions in Euros	€30.00
Sharedealing rates and feesUK gilts	£40.00

Telephone trades

Sharedealing rates and fees
Sharedealing rates and feesUK equities	£25.00
Sharedealing rates and feesUK transactions in Euros	€45.00
Sharedealing rates and feesUK gilts	£50.00

Frequent user

Sharedealing rates and fees
Sharedealing rates and fees Frequent trades The first nine trades within a calendar quarter are subject to the standard online or telephone charge as quoted above. All subsequent online trades (in UK equities only) during that calendar quarter will be subject to the frequent user charge. Trading in Irish equities listed on the London Stock Exchange will attract commission in Euros.	£7.95

Sharedealing rates and fees

Frequent trades

The first nine trades within a calendar quarter are subject to the standard online or telephone charge as quoted above. All subsequent online trades (in UK equities only) during that calendar quarter will be subject to the frequent user charge.

Trading in Irish equities listed on the London Stock Exchange will attract commission in Euros.

£7.95

Trading taxes and levies

Stamp duty - charged on consideration plus commission
Stamp duty - charged on consideration plus commissionUK equity purchases	0.5%
Stamp duty - charged on consideration plus commissionIrish equity purchases	1%

Panel for takeovers and mergers pay
Panel for takeovers and mergers payUK equity trades where the total consideration of the relevant trade is greater than £10,000 (or the equivalent in any other currency).	£1.50

Ancillary fees
Ancillary feesTransfer of securities to another broker/share certificate in the customer's name	£15.00 per line of stock
Ancillary feesDuplicate statements (e.g. contract notes, Consolidated Tax Certificates / statements	free

Show the section Overdraft interest

Overdraft interest

You can request an arranged overdraft, or ask to increase your existing arranged overdraft limit, on your 1st Account. Simply submit a formal request before making any payments or withdrawals that would exceed your current arranged overdraft limit. We will review your request and let you know if we are able to approve an arranged overdraft or increase.

An unarranged overdraft is when your account goes overdrawn and you don’t have an arranged overdraft, or you go over your arranged limit. Using an unarranged overdraft can have a negative impact on your credit rating. We may also decline payments that would put you into an unarranged overdraft.

Unarranged Overdraft interest

From 19th of May 2026 we stopped charging interest on unarranged Overdrafts.

We are in the process of updating our literature to reflect this change so you might see some documents, including Our Account Terms and Conditions and Charges (‘T&Cs’), that still reflect our historic pricing. We’ll tell you when these T&Cs will be updated. We apologise for any confusion caused by this.

About your arranged overdraft

We will regularly review your arranged overdraft to make sure your overdraft borrowing is still suitable. When we review your account we may choose to reduce or remove your overdraft limit. If we choose to do this we will contact you beforehand to let you know.

You can reduce or remove your arranged overdraft limit at any time by calling us on 03 456 100 100. Please make sure that you’re within any new arranged overdraft limit or in credit before doing so to avoid any impacts to your credit file. If you wish to re-apply for a new or increase your arranged overdraft limit again in the future, this will be subject to a full application.

Charges

first direct debit card

Using your card outside the UK

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