Bank accounts If your bank decides to close your account If your bank decides to close your current or instant access savings account, you’ll usually be given two months’ notice. My Direct Debit hasn't moved across after I switched. Living Without a Bank Account . Brewer20 Forumite. You can update a Direct Debit by contacting the originator. Have a look at our Switching to us page for all the details. First Direct has temporarily pulled its current account offering to new customers as it looks to help existing users. How do I switch my account to first direct? Current is a mobile banking app and Visa debit card that offers online checking accounts with up to two days faster direct deposits and no hidden, overdraft or minimum balance fees. i have an eSaver with credit. What if I change my mind about switching? How do I transfer Direct Debits to another bank? First Mortgage Direct is the online lending division of First Mortgage Solutions, a brick-and-mortar lender based in Kansas City, Missouri. How to open the account: apply by phone. At the moment, the bank charges a £10/mth fee on the account after you've had it for six months, though you can avoid paying this by doing at least one of the following: M&S Bank is soon to close its 2.75% AER regular savings account to new customers – and it's possible its sister banks HSBC and First Direct could follow suit. We hope you don't mind. Are opening an account and switching to first direct the same thing? Your sort code is a six-digit number formatted as three pairs of numbers, for example 12-34-56. Who can open a first direct bank account? I always thought you must use FD switch service and close your other account in order to get the incentive. First direct are proud to offer their customers some of the most competitive deals on the market wherever they can. You are in section If I cancel a standing order is it effective immediately? Its been about 7 months since ive had the account so its within the stated time frame of gaining the £100 for leaving. You need to contact us to let us know you're unhappy within 12 months of opening your account. Visit our facebook page, opens an overlay, Pay in a cheque, pay in and withdraw cash, How to claim a debit or credit card refund, in Online Banking - select ‘Statements’ at the top of your account transaction list. Are opening an account and switching to first direct the same thing? We will show you your last three statements and you can also access a list of historical statements. Switching to first direct. If you like to have your overdraft as a safety net then the First Direct 1 st current account is a great choice with its £250 0% overdraft.. As a bonus incentive, when you switch, you can earn £100 which can easily be put towards your overdraft to help you pay it off. © HSBC Group 2019. Before you do this, can we ask that you have taken into consideration the following (if applicable): The £100 service guarantee payment would be sent to your nominated bank account on the day the closure is processed via faster payments unless you have requested payment via cheque in which case this would be issued to your home address held by first direct on day of closure. How do I update an existing Direct Debit? As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 19 largest personal current account providers if they would recommend their provider to friends and family. To qualify for the £100, you must have paid at least £1,000 a month into your account for six months and not have banked with us before, as well as switched to us initially using the Current Account Switch Service. If you want to contact first direct, there are a number of ways you can get in touch. Minimum/Maximum Balance: a minimum of £1 must be deposited to open an account; there is no maximum balance. You can switch in just 7 working days. I was wondering how long does it take to close my first direct current account and get my £100 leaving gift. This offer is only open to brand new first direct customers so those that have banked with them in the past are not eligible. Can I choose my switch date? What do I do if I see a transaction I don't recognise? Salary credits, child benefit etc. 12. Is the Current Account Switch Guarantee the same for all banks? The results represent the view of customers who took part in the survey. The Financial Conduct Authority have recently changed their guidance around payment holidays and deferrals. I have a joint account. first direct’s Regular Saver Account allows you to pay in up to £300 a month for a year, and it pays a 5% AER (Annual Equivalent Rate), which makes it one of the top-paying accounts in the market. As such, cookies for this site are currently disabled. Will the Current Account Switch Service automatically transfer new payment arrangements if I set them up at my old bank within 7 working days of the switch date agreed with first direct? So that's £1 in each of those & £3,600 in the regular saver + interest. How you or we can close your account or end this agreement 24 18. What are your overdraft fees or interest? How do I find my International Bank Account Number or Branch Identifier Code? Because we want to make sure we're doing a good job, we may monitor or record our calls. Our debit card allows you to make cash withdrawals in pounds in the UK up to £500 per day or the foreign currency equivalent if withdrawing cash in foreign currency outside of the UK (fees apply). How do I change the date of an existing standing order? your IBAN and BIC are shown on the right just below your account summary. 0. How do I transfer money to a different bank account? There is no upper limit on your debit card with a retailer, but if you are looking to make a large payment we’d love you to give us a call around an hour before on 03 456 100 100 (Text-phone 03 456 100 147 or if calling from outside the UK +44 113 234 5678 (Text Relay +44 151 494 1260) so we can make sure it goes through. For a list of all the cookies we use and what they do, please read our first direct is a division of HSBC UK Bank plc. Cookie Policy. Almost 20,000 customers have closed bank accounts at First Direct since it started charging a monthly fee in February. First Direct is getting rid of the £10/month fee on its popular 1st Account current account next month. Having created their current account with you in mind, you can spend less time banking. On the date that you choose to switch, your old bank account will close and you'll be able to see the balance from your old account in your new first direct 1st Account. The bank, part of HSBC group, which consistently tops customer service polls, issued a statement on its website which read: “The coronavirus is effecting everyone’s lives and we want to make sure we are doing all we can to support our customers and our people. Current Page. Bank accounts When and how we’ll make changes to interest rates, charges and our terms 22 17. First Direct PULLS its current account and £100 switch bonus for new customers as it focuses on existing ones amid coronavirus outbreak. Home How do I go paperless / manage preferences? Can I switch my account if I'm overdrawn? Can I switch my current account? Can I switch my current account? © HSBC Group 2019. General bank account help When payments go wrong 18 14. first direct is a division of HSBC UK Bank plc and HSBC has accounts more suitable for customers living outside of the UK. Published August 2020. Will switching my account affect my credit rating? Member HSBC Group. Is the Current Account Switch Guarantee the same for all banks? First Direct 1 st Current Account . We'll be updating our website with further details shortly. You will need to learn to operate without a bank account for a few months until you clean everything up. If you wish to do this and the payment is due within the next 2 working days please call us on 03 456 100 100 (Text-phone 03 456 100 147 or if calling from outside the … It identifies both the bank and the branch where the account is held. How do I report a lost, stolen or damaged card? You may need to enter your card twice depending on the ATM to get the full £500 as some ATM’s only allow lower amounts for example £250/300 or foreign currency equivalent. Visit our facebook page, opens an overlay, Pay in a cheque, pay in and withdraw cash, How to claim a debit or credit card refund, you have cancelled all standing orders and Direct Debits on the account, you have no outstanding cheques to clear on account, you have no pending/authorised transactions still to debit, if your account is joint then a decision to close is amicable, any regular credits to the account you may have, have been redirected e.g. JavaScript is currently disabled on this computer/device. Your query will always be answered by a real person here in the UK. this will download the PDF document displaying the full statement. For more information please call HSBC on +44 1226 261 010 or visit hsbc.co.uk . (B) The Agreement is made up of the Consent, the Service Conditions and information about Your Right to Cancel the Agreement. you must hold a first direct 1st Account, our current account; sole or joint accounts permitted. We'll be updating our website with further details shortly. I have a joint account. Member HSBC Group. I have a pound in mine just to ensure I don't have to pay the monthly £1000 on the Current Account. First Mortgage Direct overview. For other accounts, it must give you ‘reasonable notice’, so that you can make other arrangements. About first direct arena Link to first direct arena page first direct in the community first direct always looks to make a positive impact around our bases in Yorkshire and Lanarkshire through a range of local projects and some of HSBC's national programmes, particularly in the areas of education, the environment and social needs. You can close your account at any time by giving us a call on 03 456 100 100 or by writing to us at first direct, 40 Wakefield Road, Leeds, LS98 1FD. You can find your first direct sort code on your debit card, paper statements, within Online Banking or in our App. Some of the advantages offered by the First Direct current account include: Managing your account by text, phone, or their award-winning website; A UK based team that will do most of the work for you in switching your salary, standing orders and direct debits We do everything we can to make the transaction as smooth as possible - you'll be surprised how little you actually have to do. You can find your International Bank Account Number (IBAN) or Branch Identifier Code (BIC) by logging on to Online Banking and selecting: How do I switch my account to first direct? All Rights Reserved. First Direct Current Account - Page 3. alternatively, you may choose to open an account with another bank and switch away from us using the Current Account Switch Service. For new customers we waive the fee for your first … Switching couldn’t be easier. How do I transfer money between first direct accounts? If you have your account closed, it will be difficult to find another bank or credit union that is willing to work with you. We won't pressure you to stay but we'll be sad to see you go. Yet if you have a current account with one of these banks already, there's still time to open a regular saver and lock in … An overdraft is a short-term way to borrow money, providing a buffer if your current account is running on empty and you need quick access to additional funds to get by. As such, cookies for this site are currently disabled. Help First Direct Current Account - Page 2. Statements for your account can be found: Once your statement is on screen, the download icon will give you the option to send it to an email account or print it (if your device is connected to a compatible printer). Find out more about our first direct … The Financial Conduct Authority have recently changed their guidance around payment holidays and deferrals. In order to have access to all the features of our fully-optimised website, please enable your JavaScript settings If you're an existing first direct customer and want to register for Online Banking, you'll need to: first register for Phone Banking, if you haven't already, give us a call anytime on 03 456 100 100; then you can register for Online Banking; after you have registered, you're all set and ready to log on to Online Banking I now want to close the whole lot & have the money transferred to another savings account (not with first direct). This should be at least 14 days. Their current account comes with fantastic benefits, an overdraft facility and satisfaction guarantee. via your browser. Don't be nervous that you barely had to do anything, it really is that easy. First Direct was set up as a bank in 1997 and is known for providing telephone and online banking services to consumers. 11 July 2014 at 3:59PM. Access to a high-interest savings account. via your browser. In order to have access to all the features of our fully-optimised website, please enable your JavaScript settings JavaScript is currently disabled on this computer/device. Why has a cheque I paid in not appeared in my balance? What should I do? ... Did you have any money in it when they wanted to close it? You are in section To pay another person who banks with first direct who you have never paid before you would choose the account you wish to send from then select ‘Move Money' from the options that appear and then select ‘New Person’ to enter all the details required. Independent service quality survey results Personal current accounts. If you have switched away from first direct then this will come across as part of the switch process on the date you have arranged for the switch to take place along with any credit balance remaining within the account. Current Page. You can close your account at any time by giving us a call on 03 456 100 100 or by writing to us at first direct, 40 Wakefield Road, Leeds, LS98 1FD. Payments out of your account 14 13. If for any reason the above does not answer your question please call us on 03 456 100 100 (Text-phone 03 456 100 147 or if calling from outside the UK +44 113 234 5678 (Text Relay +44 151 494 1260)) so we can investigate. You will need the person’s name, sort code, account number, reference and payment amount. All Rights Reserved. If you close your account before the end of the 12 month period, we'll only pay you interest at our standard Savings Account variable rate; sole accounts only and one account per person at one time. Mozilla Firefox To change the web address of your existing bookmark: 0. You will find your latest statement plus an archive of historic statements here along with other items such as Annual Summaries where relevant. Direct deposit and earlier availability of funds is subject to … Cookie Policy. When do pending transaction come out of my account? The first direct Current Account offers customers £100 to switch to their account as long as they pay in at least £1,000 within the first three months of opening the account. We won't pressure you to stay but we'll be sad to see you go. What is an International Bank Account Number? (A) This Current Account Switch Agreement (“Agreement”) is made between you (the individual(s) or entity who or which demonstrates consent to its terms) and us, first direct, 40 Wakefield Road, Leeds, LS98 1FD. Available for existing first direct 1st Account customers only; sorry - you can't make partial withdrawals. Overdrafts, charges and interest 20 15. "Banking with first direct usually costs £10 a month, but we'll waive the fee if you pay in at least £1,000 to your 1st Account each month or maintain an average monthly 1st Account balance of £1,000 or hold a selected first direct additional product. How much can I withdraw from my bank account? The HSBC-owned bank has said its current account … Home How do I change the amount of an existing standing order? For a list of all the cookies we use and what they do, please read our I also have a current account with them & to stop the charge on this (£10 was it?) We hope you don't mind. Using money in one account to pay off another (aka ‘set-off’) 21 16. Maybe give em a quick call and clarify whether you're still able get the cash. dingdong3000 Forumite. Contact us whenever you like, day or night, 24/7/365. We'll contact you to let you know the move is complete. What happens to any debit card transactions or Direct Debits that I have asked my old bank to stop? first direct is a division of HSBC UK Bank plc. Please see the first direct Account Terms and Conditions for full details. first direct can only cancel a Direct Debit. Can I switch my account if I'm overdrawn? 9 January 2019 at 7:10PM. ... account benefits. Because we want to make sure we're doing a good job, we may monitor or record our calls. The First Direct current account offers a range of great benefits. our App - select the relevant account from the ‘Balances’ screen, pull down bar at the top of the transaction list page (under your account balance) and select ‘Statements’. What will happen to my paym registration when I switch? For more information, please see the Chrome Support Site Opens an overlay [Will show a security message first]. Help In February a number of ways you can get in close first direct current account current account … first is. 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