representative rate of 16.9% APR variable 0% interest on purchases for 17 months from account opening* This card is designed to allow current first direct account holders to easily transfer outstanding balances from cards held with other banks and enjoy an interest-free period. The direct deposit must be received within 90 days of account opening. Once this is done, we arrange collection of the funds and it is similar to a BACS payment in terms of clearing times. Essential tips for using debit and credit cards while travelling 1. $50 will be credited to your account after your 15th debit card purchase provided the purchases are posted within the first 90 days of account opening. Save on the exchange rate conversion when transferring money abroad from your First Direct bank account in UK pounds, the euro and other currencies. ... Bank First will cancel a Direct Debit payment with a third party debit supplier. Rates apply to the date the transaction was processed by Visa; this may differ from the actual date of the transaction. And with a good points or cashback program, this beats any other method of foreign payment. Find out more about Exchange Traded Funds. You may be able to get a debit card, to pay directly in stores and restaurants when you travel The borderless account from TransferWise isn’t a bank account. It’s a smart new way to pay and be paid in euros - as well as other currencies - at a low cost, and with … Standing orders and Direct Debits Debit cards Overdrafts ... For some investments exchange rate fluctuations will have greater impact to the value of shares depending on their level of exposure to overseas markets. Outside the euro countries, shops may also charge a payment fee. Credit card transaction fees are typically higher than debit cards. Talk to us if you'd like to set one up. Unfortunately, there may be times when you make a purchase on either your debit or credit card and something goes wrong. There are two different ways you can claim a refund on a card – using ‘Chargeback’ or via Section 75 of the Consumer Credit Act 1974. Direct Debit: If you're sending us GBP funds, we can collect them by Direct Debit. Take out a new first direct Gold Card today and pay 0% interest on all purchases for 17 months*. If your Visa card was issued by a European bank, please click here to find rates applied by Visa … First Direct Bank international money transfers to or from the UK have higher transaction charges, due to a less competitive exchange rate offered by First Direct. Most banks charge an average conversion fee of 2% for a credit card payment, that’s 1% more than for a debit card payment. * 2 Available to debit card qualified customers only. It is one of two credit cards offered by first direct, the other one being the first direct Gold Card, designed for spreading the cost of upcoming purchases. Pay using a credit card whenever possible. Exchange Traded Funds from first direct. Dynamic currency conversion (DCC) or cardholder preferred currency (CPC) is a process whereby the amount of a Visa or MasterCard transaction is converted by a merchant or ATM to the currency of the payment card's country of issue at the point of sale.. DCC allows the merchant, merchant's bank or ATM operator to charge a markup on the exchange rate used, sometimes by as much as 18%. Foreign ATMs can still inflate their exchange rates and charge withdrawal fees, but a direct credit card payment only involves the credit card you signed up with in your home country. 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