First Direct 1st Account

zxcv784

Hi,

I currently have a current account with HSBC, I have recently got married and have been into HSBC to arrange for my wife to be added so that it is a joint account. This account has all our direct debits set up on it i.e. mortgage, bills etc

I am looking for a new current account for my own use and the first direct 1st account looks good - I just have a couple of queries:

1. To get the £100 it states that at least two direct debits and standing orders need to be switched - can I pick these myself or will all DD's be switched? I don't mind switching some i.e my phone contract but want to keep most of the direct debits set up on the joint account.

2. It also states you get the £100 as long as you haven't previously had an account with first direct - I've previouly had a first direct ISA does this count?

hope i can get the account because I want to get the FD regular saver set up...

Thanks in advance

MoneySaverLog

zxcv784 wrote: »

2. It also states you get the £100 as long as you haven't previously had an account with first direct - I've previouly had a first direct ISA does this count?

If you had the first direct ISA did they not request that you have their current account with them at the time? Either way doubt you'll be eligible now.

zxcv784

MoneySaverLog wrote: »

If you had the first direct ISA did they not request that you have their current account with them at the time? Either way doubt you'll be eligible now.

No I didn't have a FD current account - had an FD ISA for 12 months (with rate bonus) then when the rate dropped I switched to another ISA.

Anyone know whether an "account" with FD includes an ISA?

stephane_2

I believe that you can get the £100 if you've never held ANY account with FD, which for me means not only current account but as well saving accounts....

arianparod2

My wife switched to First Direct and was refused the £100 as she had ( several years previously) held an ISA with them.
First Direct have long memories!

zxcv784

looks like I'll have to look elsewhere - thanks for the replies everyone.

GFA

arianparod2 wrote: »

My wife switched to First Direct and was refused the £100 as she had ( several years previously) held an ISA with them.
First Direct have long memories!

That's interesting - I previously had an ISA and a savings account with First Direct, both of which were subsequently closed after a few years. When I switched to the FD 1st Account a couple of years ago, they told me I was eligible for the £100 bonus (reason being that I never had a current account with them before) and it was credited to my account! However, its entirely possible that they have changed the rules since then!