First Direct UK — Complete Guide 2026

Everything about banking with First Direct: the 1st Account, customer service reputation, sort code, ATM limits, transfer limits, savings rates, and switching bonus.

First Direct is a phone and online bank — part of the HSBC group — consistently rated the UK’s best bank for customer service. This hub covers everything you need to know about banking with First Direct in 2026.

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Guides & Articles

Guide

First Direct ATM Withdrawal Limit 2026 — Daily Cash Limit Explained

First Direct's standard daily ATM limit is £300, adjustable in the app. Here's how limits work, what overseas cash …

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Guide

First Direct Customer Service 2026 — Phone Number, Chat and Complaints

First Direct's 24/7 customer service number is 03 456 100 100. Here's how to contact First Direct, report fraud, and …

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Guide

First Direct Fees 2026 — Account Charges, Overdraft Costs and Foreign Transaction Fees

First Direct's 1st Account is free with £1,000/month in payments. Arranged overdraft at 39.9% EAR with a £250 …

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Guide

First Direct Savings Account 2026 — Regular Saver, ISA and Rates

First Direct's Regular Saver is one of the UK's best savings rates for current account holders. Here's how it works, …

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Guide

First Direct Sort Code 2026 — Account Number, IBAN and SWIFT/BIC

First Direct's sort code is 40-47-84, shared by all accounts. Here's how to find your account number, IBAN, and …

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Guide

First Direct Transfer Limit 2026 — Faster Payments, CHAPS and Large Transfers

First Direct's Faster Payments limit is up to £100,000 per transaction. Here's everything about First Direct transfer …

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Guide

First Direct Review 2026: Still the Best Customer Service in UK Banking?

An honest First Direct review for 2026 — covering accounts, switching bonus, customer service reputation, savings rates, …

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