First Direct Credit Cards offer customers a great account that comes packed with features and benefits to suit all credit card users.

With 0% introductory periods, and low long-term rates on balance transfers (excluding HSBC, HFC and M&S Money), First Direct credit cards will help you to manage your finances without having to pay the earth in interest and charges.

First Direct Credit Cards are perfect for everyday use and with first direct's signature levels of service as standard, you can carry your card with confidence. With no annual fee, convenient online and telephone services allowing you to manage your account, and even regular text message mini-statements sent direct to your mobile phone, consider a First Direct credit card.

First direct offer a range of savings account via the internet, telephone or free Text Message Banking, helping you to manage your money any time of the day or night.

With impressive interest rates and attractive bonuses for switching accounts, First direct savings accounts can help you to achieve your saving goals.

First Direct guarantee that should you need to contact them, you will be put through to a person rather than a recorded message via one of their contact centres, allowing you to solve any issues with ease.

First direct is covered by the Financial Services Compensation Scheme (FSCS) established under the Financial Services and Markets Act 2000, so all deposits up to £50,000 per person (£100,000 per joint account) are protected, so you can be confident that your savings are safe.

First Direct Savings Accounts provide a great place for you to make your savings grow, with some great offers and benefits available, you will find a savings account to suit your needs.

With First Direct savings accounts, you'll a great rate on your balance and some accounts offer free withdrawals for the more flexible saver. Alternatively, if you would like to be rewarded for limiting your withdrawals, First Direct have an account that's ideal for you.

Opening a First Direct saving account is easy, and you can start with a deposit of just £1, with no maximum limits. Interest is calculated daily and paid monthly, so every deposit counts.

All First Direct Savings Accounts are protected by the Financial Services Compensation Scheme (FSCS), providing you with up to £50,000 protection between all First Direct accounts. As First Direct is a division of HSBC, the limit covered by the FSCS is spread across all accounts held between the two banks. This means that if you have £30,000 with HSBC, and a further £30,000 with First Direct, you would only be covered for £50,000 of your £60,000.

First Direct ISA's offer a range of fantastic features and benefits, helping you to get the best from your tax free allowance.

Whether you're looking to transfer a lump sum to a First Direct ISA to earn more from the great rates offered, or you want to kick-start your savings through making regular deposits throughout the tax year, First Direct have an individual savings account solution to suit your saving needs.

If you require access to your ISA, First Direct have an account that allows to enjoy instant access to your money via its online and telephone and postal services, giving you the freedom to manage your account and stay on top of your savings plan.

The standard features found in all First Direct ISA's are as follows:

• save up to £3,600 tax-free per tax year (running from 6 April to 5 April)
• start saving from as little as £1
• transfer your existing ISA balances held with other providers, from previous or current tax years.
• online statements
• no maximum limits on the amount transferred to a First Direct cash ISA from another cash ISA held with another provider