What is firstdirect.com?
firstdirect.com is the official website for First Direct, a UK-based direct banking division of HSBC UK Bank plc, offering a range of conventional banking services primarily through its online platform and mobile app.
Is firstdirect.com a legitimate bank?
Yes, firstdirect.com is a legitimate and fully regulated bank in the UK, operating as a subsidiary of HSBC UK Bank plc.
It is authorized by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA).
Is firstdirect.com ethical from an Islamic perspective?
No, firstdirect.com is not ethical from an Islamic perspective because its core business model relies on riba (interest) in its savings accounts, current accounts, credit cards, loans, and mortgages, which is strictly prohibited in Islam. Is Merodacosmetics.eu Legit?
How do I log in to my firstdirect.com account?
You can log in to your firstdirect.com account by visiting firstdirect.com and entering your user ID and password, often followed by an additional security step like using the firstdirect.com/securekey.
What is the firstdirect.com/securekey?
The firstdirect.com/securekey is a security feature, either a physical device or a function within the firstdirect com app, that generates one-time passcodes (OTPs) or confirms transactions to provide multi-factor authentication for enhanced online security.
Does firstdirect.com offer savings accounts?
Yes, firstdirect.com offers “Savings accounts that really help you save, with interest,” explicitly stating their interest-bearing nature, which makes them impermissible from an Islamic financial standpoint.
Are deposits with firstdirect.com protected?
Yes, eligible deposits with firstdirect.com (under HSBC UK Bank plc) are protected up to a total of £85,000, or £170,000 for joint accounts, by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.
Can I get a mortgage from firstdirect.com?
Yes, firstdirect.com offers conventional mortgages, which are interest-bearing loans for purchasing property. These are not permissible in Islamic finance due to the involvement of riba. firstdirect.com Login and Account Management
What is the firstdirect com app?
The firstdirect com app is their mobile banking application, available for smartphones, which allows users to manage their accounts, track spending, make payments, and utilize features like virtual cards and card freezing.
Does firstdirect.com offer mobile insurance?
The provided homepage text does not explicitly mention “first direct com mobile insurance” as a distinct product, but it does state they offer “Insurance for protecting the things that matter most,” which typically refers to conventional insurance products that may include mobile coverage.
What are Authorised Push Payment (APP) scams, and how does firstdirect.com address them?
APP scams occur when someone is tricked into transferring money to a fraudster’s account.
Firstdirect.com transparently shares data on APP scams and their reimbursement rates, indicating their efforts and commitment to combatting this type of fraud and protecting customers.
How long has firstdirect.com been established?
First Direct was established in 1989 as a telephone-only bank, and the firstdirect.com domain itself was created on 1995-07-30, indicating a long history in the banking sector. premier-homepros.com Features
Are there any monthly fees for firstdirect.com accounts?
Based on the homepage text, firstdirect.com promotes “No monthly fees” for their current accounts, aiming to attract customers through this benefit.
Where can I find legal instructions for firstdirect.com?
Legal instructions and terms are typically found by navigating to sections like firstdirect.com/legal-instructions or within the terms and conditions linked from various product pages on their website.
Does firstdirect.com offer loans?
Yes, firstdirect.com offers “Tailored loans built for you,” which are conventional personal loans that are interest-bearing and therefore not permissible in Islamic finance.
What is the independent service quality survey result for firstdirect.com?
Firstdirect.com publishes results from independent service quality surveys, as required by regulation.
The latest mentioned on the homepage is from February 2025, reflecting customer recommendations among the largest personal current account providers. scienceandhumans.com Review & First Look
More details can be found on their SQI page (firstdirect.com/service-quality/information/).
How does the Bank of England base rate change affect firstdirect.com customers?
When the Bank of England base rate changes (e.g., from 4.50% to 4.25% as mentioned), firstdirect.com communicates with its customers to explain how it might affect their savings interest rates or mortgage payments.
Can I switch my bank account to firstdirect.com?
Yes, firstdirect.com encourages switching using the Current Account Switch Service and offers incentives like a £175 bonus for new customers who meet specific criteria within 45 days of account opening.
What are some ethical alternatives to firstdirect.com for Muslims?
Ethical alternatives for Muslims include Sharia-compliant banks like Al Rayan Bank or Gatehouse Bank, halal investment platforms like Wahed Invest, Takaful (Islamic insurance) providers, and using ethical budgeting tools for financial management.
Does firstdirect.com have good customer service?
Based on widely available user reviews on platforms like Trustpilot and discussions on Reddit, firstdirect.com generally has a strong reputation for excellent customer service, often cited as a key differentiator. My Experience with clarity.zepp.com
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