First Direct Deals

First Direct Deals & Offers

35 hot deals
A UK bank which specialises in telephone and online banking, First Direct offers a range of financial services to their customers, including mortgages, credit cards, loans, and savings. Consumers can find out about the bank’s best offers as soon as they are announced by checking the HotUKDeals First Direct page. Read more

All First Direct Deals, Discounts & Sales for December 2018

BP fuel £35 for £40 worths via FirstDirect Visa Offers cashback
Found 21st SepFound 21st Sep
Requires FirstDirect bank account, FirstDirect VISA Offers account, BP account and BPMe Android or iOS app. £5 on a purchase of £40 or more Limit 1 cashback per account Valid un… Read more
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Just filled up - I should be up by £3.21 after factoring in the higher price of fuel at my local BP compared to my usual Tesco garage. Should also get 29 Nectar points.


That's great, I have been to BP again to fill just over £40 yesterday, I should get the cash back for the second one if my first one did not qualify. Thanks for letting me know.


Ahh my closest 2 BPs do not support BPme so I go to a further one that does. I get there and it is out of service! This is the one in Woodford


Looks like they are aware of this issue and have updated their T&C's accordingly - if you have been affected by this, you should be OK - see screenshot below. BTW, the expiry date in the screenshot is applicable to me as this offer was rolled out to me a week after this deal was posted.

15% back White Company, 10% back Nike Store - First Direct Visa Offers
Found 31st AugFound 31st Aug
15% back White Company, 10% back Nike Store - First Direct Visa Offers
Shop the stores online.

Offers are card specific. Not everyone receives the same offers (no White Company for me for example). Good site though.


On the mobile page if you type in the date it then brings up new sections for years and month but doesn’t do the calendars now. Guess it’s easier to set up that way and you probably don’t need the calendars. Back back to why I came Visa offers have been poor for a while now.


....what have your developers done with the From To dates when posting a deal? Instead of being given a calendar I was presented with 3 boxes......which didn't work.

First Direct Visa Offer for Beer 52 pack - 8 beers for £2.59 delivered
Found 30th AugFound 30th Aug
First Direct Visa Offer for Beer 52 pack - 8 beers for £2.59 delivered
if you have a First Direct Account their new visa offers include the frequent Beer 52 deal again £24 off the starter case of 8 beers making it £2.95 delivered
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I have been with them for a while, I have been very impressed with some of their selections, it is pricey yes, but I have found some gems. What I don't know is if I can use this promotion, as I am already signed up with them, does anybody know?


i tried and was really disappointed, 8 330ml bottles, all really sweet. i couldnt even cancel without it telling me that i had to phone them up. i told them on the chat thing taht i was cancelling and that was that. waste of money, its not even worth the initial offer of getting 8 x 330ml for the price, far better getting a couple of bottles of something you know you like


I tried this out a few weeks back, I wouldnt do it again. I had to wait in a whole day for delivery, it arrived at 5.30pm they use yodel, it has to be signed for, being drink. Some of the ales especially the IPA's were nice but some not so nice, the sour was terrible but then again its sour for a reason however I didnt ask for that so a waste. All had good dates but I ordered the 2 extra so was expecting 10 and only got 8 with no explanation as to why. When I enquired I was told 10 was was being sent as thats what my order was for (I already had them) so I asked why I only got 8 and was told they ran out of stock. Very hard to believe that unless they put all the rubbish non sellers/poor sellers to one side and thats what gets sent on the first order and they had ran out of them? Anyway very easy to cancel I used the robot chat and it was cancelled within an hour. I would sooner go the shops and try all the new ones recently appearing on the shelves.


Although for £24 I might as well do a tour of my local pubs and try the guests for £3 a drink


Standard member ship sign up.. nationwide also have identical offer

[VisaOffers] Co-op Food stores - 10% back on your next purchase of £5 or more (Stackable with NUS+COOP membership = 23.05% saving)
Found 7th JulFound 7th Jul
[VisaOffers] Co-op Food stores - 10% back on your next purchase of £5 or more (Stackable with NUS+COOP membership = 23.05% saving)
Just saw this on, unsure if this is for FirstDirect customers only or if it's valid for all banks that offer VisaOffers (not sure which banks offer this other than Fi… Read more
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It should work on giftcards, the coop doesn't pass on information about your purchase meaning that it should be valid with any purchases, for the visaoffers, there was no mentions of any exclusions but it might be worth reading the T&Cs of the offer on whichever reward platform you are using. As for the NUS discount on Amazon top-ups, I'm not too sure sorry.


Just remember to ensure your final balance AFTER NUS is applied is over £5 ;) P.S. Anyone confirm if this works on giftcards? P.S.S. Does NUS discount work on Amazon top-up?


Popped up again on a couple of my accounts. Can it be used again as the credit for the first purchases haven't shown up yet? (First Direct and Nationwide - both 10% again) Also popped up on my Halifax account again, but he second offer was for only 5%.


You can do multiple top ups in one transaction. I did this before with Halifax, two £40 Amazon top ups (for the paypoint £10 bonus) plus shopping, paid for it all in one transaction.


The maximum Amazon top up via Paypoint is limited to £250 per transaction (so £25 cashback). Has anyone actually managed to succesfully top up this amount at a Co-op store? In my case my card issuer approved the transaction but Co-op's system spit out receipts with "Reversal" / "Credit Failed" errors. Couldn't find any physical gift cards in store.

Free gift when you switch your current account @ First Direct
Found 30th MayFound 30th May
Free gift. Choose either: Amazon Echo Bose headphones Fitbit watch Polaroid camera Expedia voucher
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Yeah I got emails and claimed an Expedia voucher I'm still to use


so did anyone get the switcher gift? i never recieved mine.


Call them and all questions or issues are sorted there and then, no we will call back etc. Been wit FD 20 years I think, never had an issue that wasn’t sorted with one call to them. I paid a cheque at the post office in London for £30.00 it was a gift. After 7 working day it had not arrived. contaceded the post office who wanted nothing to do with the matter. Called FD who looked into it for me even though it’s the post offices fault. They advised me to wait another 5 working days. Still did not arrive. At that point they said they were sorry about what had gone on and as a good will gesture they gave me the £30.00. A week later my cheque turned up at a bank in Scotland and was paid in. Called FD to see what to do, they said all was ok and keep the £30.00 they gave me. What other bank is that good.


I sent them an email four weeks ago asking about this new promotion. I've been with my current bank for many years and now looking to change, but they didn't even bother to reply. If you offer up an email address, the least you can do is reply to messages received. Poor service in my opinion. How they get excellent reviews I don't know.


(Previous) cash or gifts aside, you will be very unlikely to find a better bank. In some 15 years, I’ve been put on hold 3-4 times when phoning them and then only for literally a few seconds. I phoned a couple of weeks ago and it didn’t even ring before it was answered by their UK call centre. They also routinely top MSE’s poll for bank customer service. Credit where it’s due. (y) 🏻

First Direct 5-year fixed mortgage, 1.84%, £490 fee, 60% LTV
Found 25th MayFound 25th May
First Direct 5-year fixed mortgage, 1.84%, £490 fee, 60% LTV
Anyone looking to fix their mortgage rate should check out this deal from First Direct: Five-year fix at 1.84% £490 fee Available up to 60% loan-to-value (LTV), so you need 40… Read more
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The morning w you are 3 we we we we 22nd w the 22nd E3 12th class Pakistan 222 22nd 23rd November to 23rd 22nd 2223322 E3 Q3 net


Damn, just went to go for the 5yr 75% LTV deal and it seems FD havshiked their rates. Gutted :-(


They are a strict lender like hsbc and being an existing customer means nothing to them in terms of lending. They will scrutinise your bank statements ins and outs with a fine tooth comb and like clean credit history.


Only 0.05% extra for 75% LTV. Anyone have any experience of applying with first direct as an existing banking customer?


i have the opposite 60% equity in my property.

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First Direct unveils current account switching offer with choice of free gift
Found 24th AprFound 24th Apr
New current account customers will be offered a choice from the following selection of welcome gifts: Over 300 online self-development courses from Blue Mountain Training Solut… Read more



Please tell me you didn’t think you got alllll the gifts? (:I


Anyone got their gifts yet? Still undecided whether to do this as I fancy the Bose on ear headphones but not sure if I should wait in case they introduce more gifts or cash again.


I'm still waiting for my gift and i ordered it over 20days ago


Well ordered my fitbit. Now to wait up to 30days for delivery. How long as everyone had to wait for the gift to arrive from ordering?

ACT NOW: First Direct Bank Switch Incentive
Found 19th AprFound 19th Apr
ACT NOW: First Direct Bank Switch Incentive
First Direct to scrap its current account switching £100 incentive on 22nd April Not many providers will be left that offer cash incentives for switching M&S Bank and Halif… Read more

Came here expecting a free Nintendo console. My tears are on your hands OP.


Should I switch or should I not? :)


Don’t worry, as long as there’s banks around there’ll be always some ‘sweets’ to get your business...


They also give you £100 if you wanna leave


£125 if you go through MSE

3% APR Loan with First Direct
Found 4th AprFound 4th Apr
3% APR Loan with First Direct
Thought this was a good deal for those needing a loan. 3%APR for loans between £15050 to £30000 for 1st Account holders.

I hadn't even heard of Zopa before, it looks good. I would also vote my own deal cold based on this! Haha


I recently used Zopa, very impressed with the rate and service provided by Zopa.


I got a loan the other day (new windows) and MSE showed that Zopa of all places was the cheapest. I got a 7500 loan for 2.8% (seems 51% of customers get this). I haven't had a loan in about 10 years and remember last time the process was long and protracted. well i was lying in bed on my tablet and it took me 45 sec to fill the form in and to get confirmation back of approval and the money within 3 days. it was scary easy and seems clear why young folk get themselves into so much debt. anyway cold from me as there are cheaper out there, sorry


Unfortunately not for all customers, check the small print. Recently applied having been a customer for 23 years with an excellent credit history. I was declined this rate and offered 5.9%. I went with Tesco who did offer me 3% !!

10 Year Fixed Rate Mortgage 2.49% - No Fees - 60% LTV (Loan to Value) @ First Direct
Found 3rd AprFound 3rd Apr
10 Year Fixed Rate Mortgage 2.49% - No Fees - 60% LTV (Loan to Value) @ First Direct
Have been looking at mortgages and looks like a lot of the 5 year fixed deals have been hiked in rate. The 10 year fix for First Direct is still 2.49% which looks a very competiti… Read more
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Bit odd. I spoke to an adviser after about 3 days.


3 years left for me WHOOP WHOOP, (party) (popcorn) (strong) 8)


First Direct are a pain in the butt having to do it all over the phone, currently been told i have to wait up to 3 weeks to get an appointment with a mortgage adviser? Is this normal? HSBC have same deal guessing as its same bank, wonder if i just go visit one of their branches and do it, or do i have to have a current account with them? Cheers


Will Banks drop their rate or keep it the same? UK base rate remains at 0.5%


That is absolutely brilliant. We really struggled last year between a 5yr fixed 2.69% deal and a 10yr fixed at a higher rate as we were first time buyers with only 15% deposit (plus stamp duty, fees etc). We're overpaying £20K this year alone. The gamble was that in 5yrs time despite rates likely to be much higher we will have much more equity so could remortgage at the better rates (ie 60% LTV). I will have to try the spreadsheet idea (we already did this to calculate our overpayments) and see how much that saves us vs the 10yr fixed. To be honest I think the higher interest charges at 10yr fixed would have made it impossible to save enough to overpay the way we have and clear our mortgage in the 10yrs we have planned. I'd like to think we did better fixing for 5yrs and overpaying that difference to bring up the LTV and getting a 'good' rate for a final 5yr fix so we can clear the lot in 10yrs. I can't wait to find out. Thank you for your logic and inspiring me to look.

£125 back on First Direct also free £250 overdraft buffer at 0% apr. Voted best bank on MSE again. Regular saver 5% upto £300 a month. One of the highest in the country
Found 8th MarFound 8th Mar
£125 back on First Direct also free £250 overdraft buffer at 0% apr. Voted best bank on MSE again. Regular saver 5% upto £300 a month. One of the highest in the country
£125 to say hello and excellent customer service Also regular saver upto £300 a month netting £97 in interest 1st Account Join Britain's most recommended major bank* Britain's mo… Read more

Ordered, Thanks.


Just to be clear, if I were to open this account and stick a couple of grand in it, would that be all I’d need to do to qualify for the £125? Or would I need a continuous payment going in, and or direct debits set up? Edit Ahh, So I’d need to keep £1000+ in the account to avoid the £10 monthly fee. Are there any current accounts which are free and have a cash incentive to open one, not needing dds and monthly income? Wishful thinking?


Yep looks "only 100" now…


Does this require direct debits and/or a certain amount in the account to be switched over? TIA.


Expired now 100

First Direct 10-year fixed mortgage 2.49%, no fee, up to 60% LTV
Found 29th JanFound 29th Jan
If you’ve got at least 40% deposit or equity and are keen to fix your mortgage rate for 10 years, First Direct has the following deal: 10-year fix at 2.49% Available up to 60%… Read more
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Hsbc are also offering 2.49 % for 10 year fix and no fees


Oooh - unlimited overpayments. That may seal it for me - will give them a bell.


yes, the bail out was because the repackaged debts were backed by sub-prime mortgages but were sold deceptively under A+ credit ratings to other bansk and institutions. Insurers could cope with all the defaulting loans up to a limit, that's when the ultimate rescuer i.e. the tax payer enters the picture to bail out. Banks and whoever matters in financial markets knew what was happening and what was coming but the whistle blowers are more than often labelled as 'project fear' or conspiracy theorists. Unfortunately, financial system is too complex to understand for majority and when this majority doesnt understand it, they think probably no one does.


Rolling the fee into the monthly payments means you pay interest on it so it will cost you more overall. However it may suit some people who don't have the cash up front.


There may be a difference in rates between those the banks offer direct and through broker/intermediary channels. I'd always advise going to a broker but mortgage comparison sites are definitely worth a look to see what's out there. Also the rate/fee combo makes it tricky to declare a best buy or hot deal - if you have a big mortgage the rate is more important and the fee less so, if your mortgage is smaller the fee may play a bigger part. The key is doing the sums based on your individual figures/mortgage amount. Hope this helps.

First Direct Regular Saver - save £300 @ month for 12 months and earn £97 interest
Found 25th JanFound 25th Jan
First Direct Regular Saver - save £300 @ month for 12 months and earn £97 interest
Regular savings account for existing customers, headline of 5% a bit misleading due to payment structure. After 12 months of saving maximum £300 a month, £97 of interest added to … Read more
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For those who can’t understand a regular saver, even hsbc publish the interest you will receive.. so it’s not misleading if you save £300 a month on the 1st day of each month (basic assumption a month is one twelve, ignore days for simplicity) use calculation sum invested x interest rate x term 1st Jan you would receive Full 5% Interest on your £300 (£300x0.05%x 12/12 = £15 1st Feb 11/12 5% (£300x0.05% x 11/12 = £13.75 1st Mar 10/12 5% (£300x0.05% x 10/12 = £12.50 ... .. 1st Nov 2/12 5% (£300x0.05% x 2/12 = £2.50 and finally 1st Dec payment (£300x0.05% x 1/12 = £1.25


Ahhhhh, yes! Sorry (highfive)


My original post was referring to the 10 pound monthly fee and how to avoid it....


I have just checked their website, sadly it says the regular saving account is open to current account costumers only. It’s a shame !


No it's not. Banks pay a percentage rate per year, and they pay it every year. You will get that rate for the year if you give them money for a year. Anyone who thinks you can open an account today, put £3600 in 364 days time and expects 5% of that to be £97 is thick, not misled.

Back up to £125 to join First Direct as so many don't seem to like HSBC. Also £300 for regular saver @ 5% and fee free overdraft upto £250
Found 31st Dec 2017Found 31st Dec 2017
Back up to £125 to join First Direct as so many don't seem to like HSBC. Also £300 for regular saver @ 5% and fee free overdraft upto £250
1st AccountJoin Britain's most recommended major bank* Britain's most recommended major bank? You're all too kind. We're blushing... But we do try hard to make banking something w… Read more

I've tried the form twice and it comes up error. Has anyone else had these problems?


The NatWest app was my first and ever since, all the other banking apps seemed utter clunky rubbish that make you jump through 10 hoops to even get to see your balance.


Make sure to disable adblock/uBlock to track the extra £25! I just switched but haven't received any confirmation emails so hope it has gone through... Barclays have been ****** me off, plus I wanted Android Pay.


How hard is it nowadays to switch banks? I have been with Clydesdale for decades. Never done me any favours so this looks like a good deal to jump ship.


I just applied for account and for switch, but my switch date is 30/01/2018... I thought switching process takes 7 days, not 4 weeks :( Very unhappy with this

First Direct, 10-year fixed mortgage, 2.69%, no fee
Found 19th Dec 2017Found 19th Dec 2017
First Direct, 10-year fixed mortgage, 2.69%, no fee
Hey… another 10-year fixed rate mortgage for people who want to lock-in a rate for a decade to consider: First Direct is offering: 10-year fix at 2.69% No fee Max LTV 75% … Read more
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Nothing to do with credit score, couldn't get any higher, nothing about affordability, never missed a DD in the years of having a mortgage and no other credit etc plus this was a remortgage. There doesn't have to be a reason given you are quite correct, and FD will have their own additional criteria however sometimes it feels illogical


I don't worry about your credit score. I just tried to find a reason, because sometimes people create quickly opinion without finding true. Maybe LTV was an issue. I had £190,000 loan on £400,000 property and maybe it is why i didn't have an issue, but anyway it is good that everything had a good end with your mortgage, even if it is not first direct.


I tend to agree, but many analysts don't. There are predictions of multiple rate increases in 2018 alone, rising up to 1.25%. However, in the wake of Brexit, I see the undeniable uncertainty to stall the economy for at least 10 years.


Nope, not me. Depends how well you think the economy will do in that period. Base rates will need to go up 6 times before you would gain, and I think we'll be waiting a long time for that to happen.


Firstly, I bank with First direct, they are indeed a fantastic current and savings account banking may I add. Secondly, my credit score is fine, you've no need to worry. 400k mortgage application never actually declined with first direct, but the continual, 'can you get more deposit' and do this, do that, 3 weeks later I gave up. Had mortgage with Halifax 3 days later. FD are notoriously and ridiculously picky with their mortgages.

10% back on Nike store with First Direct Visa Offers
Found 18th Dec 2017Found 18th Dec 2017
10% back on Nike store with First Direct Visa Offers
Seems the 25% off at the nike store sale items has ended but Visa offers are now doing 10% cash back on all nike store purchases. Runs from today until the 31st so if the sale cod… Read more

Good question well presented to which I don’t know the answer to


Hi, does the purchase has to go through that website? meaning does the money get refunded like American express if you just use card as normal, as wondering if you can use topcashback and redeem this offer too? thanks


This has been on an off for the last few months.

First direct switching cash £125 + 5% Regular saver (£300/month saving earn £97.50 interest)
Found 11th Nov 2017Found 11th Nov 2017
First direct switching cash £125 + 5% Regular saver (£300/month saving earn £97.50 interest)
Switch to first direct using money saving expert link and get £125 for switching * need to pay 1000 within three months to receive the incentive, keep the money for a day and take… Read more

It doesn't matter which link I use I always see just £100, not £125. I guess the deal is expired?


I applied online a week or so ago and haven't heard a thing. No email, text or mail. Will give them a ring


What do you mean? They started sending loads of documents to sign and return. Better to give a call to customer care.


Applied for first direct a week ago, not heard anything. Anyone heard?


Satander123 It pays 1%, 2%, 3% cashback on various bills, mortgage etc Plua 1.5% interest on balances upto £20,000 There is a charge of monthly £5 so overall your cashback and interest need to compensate that. £500 monthly payin + 2DD There is a very good analysis on moneysaving expert to maximise the return on the balances across various accounts. But if you are high saver then Satandar123 still beets all. Also check satander123 lite.. Hope this helps.

Lots of cashback rewards from various places with First Direct visa card e.g £5 reward for spending £40 on Esso fuel
Found 24th Oct 2017Found 24th Oct 2017
Lots of cashback rewards from various places with First Direct visa card e.g £5 reward for spending £40 on Esso fuel
Use your First Direct Visa card at selected retail outlets to get substantial cashback. For example: £5 reward for spending £40 on Esso fuel £10 reward for a £40 shop at LIDL… Read more
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Ditto and yet another claim in. 4 offers over 2 cards and all claims.


Must be staggered for different areas as my LIDL offer is available to me. It expires in 4 days time...


I was wondering this too. but not sure, because the Lidl offer expired on the 20th.


I did the Esso one and had to chase them for the £5. Did get it in the end though.


I don't have lidl in the offer, why? I do have esso and h&m 10cb for 40£spent

Its back First Direct and HSBC £10 cash back off £40 spend at Lidl with Visa
Found 6th Oct 2017Found 6th Oct 2017
Its back First Direct and HSBC £10 cash back off £40 spend at Lidl with Visa
as title could also be on HSBC cards as well, make sure you register your card.

well i activated the lidl offer and spent £40.54 instore and i still havent received the £10 cashback, the website has no contact details, so i submitted a contact form, we'll see what happens


Didn't know they did cashback in Lidl - let us know if it works, should show up on the visa offers page before the cashback hits your bank account.


Tried it anyway, nothing to lose. £17+ spend, £25 cash back. ***** not many like the way I think. ;-) Thanks


I like the way you think 8) I'd be surprised if it works but you never know. Let us know how you get on.


Would this work if you only spend say £11 and asked for £30 cashback? Surely it would then show as a £41 spend? I'll try it later.

Found 6th Oct 2017Found 6th Oct 2017
First Direct & HSBC customers can get £5 off a minimum spend of £40 on fuel at Esso. You need to be registered with Visa Rewards first - see below: First Direct Rewards: fi… Read more
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I used the find a garage on the link from the esso deal, so even tho it was a tesco garage, it was listed so knew it was valid. My earlier post about email was a mistake, I used the online webform on the visaoffers help page. Sign in > click Help > Scroll down to the bottom and select Other > Scroll down to the bottom again and there's the Issues webform. good luck. ..and this... Please provide the following information found on your receipt when you contact us: Date of transactionRetailer nameAmount paidLast 4 digits of the HSBC Visa card used


I clicked on the link to esso in the online visa offers website & used their garage finder to see which local esso supplier was closest & open. Spent £45 on fuel & waited... & waited. It was only after a week & a half I looked back & saw its limited to 'participating garages', and there's a 'finder' on the visa offers esso webpage, doh ! I'm also wondering who & how posters above me emailed complaints about failed offer purchases as I can find no contact details on the visa offers website.


This says it expires tomorrow on mine. But I used the Costa deal last month in a costa franchise and it still gave me the cashback no problem


Be wary, I've had a 75% failure rate with these offers, some track, other don't. Oh and don't expect any help from HSBC on this, their customer services don't even have a clue about this promotion. I'm still waiting for the Boots £5 cashback via HSBC from 2 weeks ago. After several emails from utterly useless hsbc online customer services, I've escalated, but alas still no reply.


Still chasing them for a Lidl £10 - unreliable tracking system and hopeless to deal with.