Smart banking for
every step of your journey
From everyday credit cards to savings, loans and insurance — First Finance puts powerful digital banking and 2 million customers’ trust in your hands.
Banking built around you
Everything you need to spend, save, borrow and protect — all in one secure app.
Credit Cards
Rewards on everyday spending with 0% intro purchase offers and no annual fee on selected cards.
Balance Transfers
Consolidate your credit card balances and pay 0% interest for up to 24 months.
Personal Loans
Fixed monthly payments and competitive rates from 6.9% APR representative. Borrow £1,000–£50,000.
Savings
Market-leading easy access and fixed-rate savers with interest paid monthly.
Insurance
Car, home and life cover with flexible policies and 24/7 claims support.
Digital Banking
Open accounts in minutes and manage everything from one mobile banking app.
- Instant notifications
- Smart spending insights
A bank that’s on your side
We combine the convenience of digital-first banking with the reassurance of a trusted, regulated high-street brand.
- FCA authorised & FSCS protected up to £85,000
- No monthly account fees on everyday accounts
- Moneyfacts Award winner 2026 – best customer service
- 24/7 fraud monitoring and instant card freezing
Bank building at your fingertips
Over 500 local branches and every service available online — the best of both worlds.
Three easy steps to get started
Open your First Finance account today — it only takes a few minutes.
Apply Online
Fill in a short application from your phone or computer. We’ll check eligibility in seconds.
Get Instant Approval
Most applicants get a decision instantly and can use their account right away.
Bank Your Way
Use your card, mobile app and online banking with our smart tools — anywhere, anytime.
Earn Rewards
Collect rewards on everyday purchases and boost your balance even faster.
Millions of happy customers
See why customers rate us 4.8 out of 5.
“Switched my balance transfer in under ten minutes. The app is brilliant and the 0% period gave me real breathing room.”
Credit Card Customer
“The savings rate beat every other bank by far. Fixed term, no fuss, and my interest lands every single month.”
Saver
“Their WhatsApp chat sorted out a lost card in minutes at 11pm. Customer service genuinely beyond anything I’ve experienced.”
Banking Customer