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First Direct First Directory

The First Directory was launched by First Direct in 2004. For a monthly fee, accountholders benefit from extra services and exclusive money saving deals from carefully selected companies in addition to what the free 1st account offers. Some of the offers include 20% discount off van or car hire with Europcar, 20% discounts off products from MYPURE, 20% discounts from City Sightseeing world-wide and up to 40% with APH Airport Parking and Hotels.

Some of the extra services include worldwide multi-trip family travel insurance, UK breakdown cover, UK mobile phone insurance, help with identity theft, travel money without commission and much more.

The offers have different ways of claiming them which are explained with each offer. Some may require printing off a voucher, calling the retailer directly or booking online.

What are the benefits of having the First Directory account?

This account provides the following benefits:

  • Mobile phone insurance - Worldwide mobile phone insurance is included in this policy and offers up to £600 worth of cover in the event of loss, theft or damage.
  • Worldwide family multi-trip travel insurance - The account holder and their family are covered for trips of up to 31 days at a time. The cover also includes winter sports.
  • UK breakdown cover - Account holders stand to benefit from 24-hour UK breakdown cover. Emergency roadside repairs and recovery to a local garage are also included. The account holder is covered as a driver and as a passenger in another vehicle.
  • Plus a whole raft of discounts and money saving deals from top retailers and leisure providers.

What does the First Directory account cost each month?

The account has a monthly fee of £15.

How was the First Direct First Directory account mis-sold?

Like payment protection insurance (PPI), PBAs were often mis-sold by banks because the suitability of the product wasn't adequately assessed against the consumers’ needs and what the account offered was not properly explained to them.

When First Direct sold customers a Packaged Bank Account, it was their responsibility to outline all the benefits to the customer to ensure that the decision to take out a PBA was right for them.

How the First Direct may have mis-sold the First Directory account?

Before considering a packaged bank account, consumers should be made aware of alternative, free accounts that could also work for them.

Many consumers found that there were too many limitations on the policy that they would not have had if they had taken the insurance as a standalone policy. Additionally, consumers may have tried to make a claim on the policy only to find out that they were not covered.

Many consumers did not fully understand how much a packaged bank account was going to cost them per month.

If you are unlikely to use certain packaged bank account benefits, you could lose out. For example, if you don’t drive then breakdown insurance will not be suitable or applicable to your needs.

PBA Fee calculator and Claim Form

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