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.
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.
Guides & Articles
Guide
First Direct ATM Withdrawal Limit 2026 — Daily Cash Limit Explained
First Direct's standard daily ATM limit is £500, adjustable in the app. Here's how limits work, why First Direct charges …
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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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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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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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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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