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.infobox-subbox{padding:0;border:none;margin:-3px;width:auto;min-width:100%;font-size:100%;clear:none;float:none;background-color:transparent}.mw-parser-output .infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><style data-mw-deduplicate="TemplateStyles:r1242257876">.mw-parser-output .ib-company .infobox-label{padding-right:0.5em}.mw-parser-output .ib-company .infobox-data,.mw-parser-output .ib-company .infobox-below{line-height:1.35em}.mw-parser-output .ib-company-logo img{background-color:#f8f9fa}.mw-parser-output .ib-company-locality,.mw-parser-output .ib-company-country{display:inline}</style><table class="infobox ib-company vcard"><caption class="infobox-title fn org">HSBC UK Bank plc trading as<br />First Direct</caption><tbody><tr><td colspan="2" class="infobox-image ib-company-logo logo"><span typeof="mw:File"><a href="/wiki/File:First_direct_vertical_whiteonblack_logo.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/6/6e/First_direct_vertical_whiteonblack_logo.svg/250px-First_direct_vertical_whiteonblack_logo.svg.png" decoding="async" width="250" height="53" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/6/6e/First_direct_vertical_whiteonblack_logo.svg/375px-First_direct_vertical_whiteonblack_logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/6/6e/First_direct_vertical_whiteonblack_logo.svg/500px-First_direct_vertical_whiteonblack_logo.svg.png 2x" data-file-width="1000" data-file-height="210" /></a></span></td></tr><tr><th scope="row" class="infobox-label">Company type</th><td class="infobox-data category">Division of <a href="/wiki/HSBC_Bank_(Europe)" class="mw-redirect" title="HSBC Bank (Europe)">HSBC UK Bank plc</a></td></tr><tr><th scope="row" class="infobox-label">Industry</th><td class="infobox-data category"><style data-mw-deduplicate="TemplateStyles:r1126788409">.mw-parser-output .plainlist ol,.mw-parser-output .plainlist ul{line-height:inherit;list-style:none;margin:0;padding:0}.mw-parser-output .plainlist ol li,.mw-parser-output .plainlist ul li{margin-bottom:0}</style><div class="plainlist"><ul><li><a href="/wiki/Bank" title="Bank">Banking</a></li></ul></div></td></tr><tr><th scope="row" class="infobox-label">Founded</th><td class="infobox-data">October 1989</td></tr><tr><th scope="row" class="infobox-label">Headquarters</th><td class="infobox-data label"><a href="/wiki/Leeds" title="Leeds">Leeds</a>, England, UK</td></tr><tr><th scope="row" class="infobox-label">Products</th><td class="infobox-data"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1126788409"><div class="plainlist"><ul><li><a href="/wiki/Credit_card" title="Credit card">Credit cards</a></li><li><a href="/wiki/Loan" title="Loan">Loans</a></li><li><a href="/wiki/Saving" title="Saving">Savings</a></li><li><a href="/wiki/Mortgage_loan" class="mw-redirect" title="Mortgage loan">Mortgage loans</a></li><li><a href="/wiki/Brokerage_firm" class="mw-redirect" title="Brokerage firm">Stockbroking</a></li></ul></div></td></tr><tr><th scope="row" class="infobox-label"><a href="/wiki/Parent_company" class="mw-redirect" title="Parent company">Parent</a></th><td class="infobox-data"><a href="/wiki/HSBC_Bank_(Europe)" class="mw-redirect" title="HSBC Bank (Europe)">HSBC UK Bank plc</a></td></tr><tr><th scope="row" class="infobox-label">Website</th><td class="infobox-data"><span class="url"><a rel="nofollow" class="external text" href="https://www.firstdirect.com">www<wbr />.firstdirect<wbr />.com</a></span></td></tr></tbody></table> <p><b>First Direct</b> (styled <b>first direct</b>) is a telephone and internet based <a href="/wiki/Direct_bank" title="Direct bank">direct</a> <a href="/wiki/Retail_banking" title="Retail banking">retail bank</a>, which is division of <a href="/wiki/HSBC_(United_Kingdom)" class="mw-redirect" title="HSBC (United Kingdom)">HSBC UK Bank plc</a> based in the <a href="/wiki/United_Kingdom" title="United Kingdom">United Kingdom</a>. First Direct has headquarters in <a href="/wiki/Leeds" title="Leeds">Leeds</a>, England, and has 1.9 million customers.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> It was awarded Most Trusted Financial Provider by Moneywise in 2019, and was ranked top in the February 2020 <a href="/wiki/Competition_and_Markets_Authority" title="Competition and Markets Authority">Competition and Markets Authority</a> bi-annual survey for overall service quality.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=First_Direct&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size mw-halign-left" typeof="mw:File/Thumb"><a href="/wiki/File:First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/3/39/First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg/220px-First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg" decoding="async" width="220" height="142" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/3/39/First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg/330px-First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/3/39/First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg/440px-First_Direct_-_Wakefield_Road_-_geograph.org.uk_-_807671.jpg 2x" data-file-width="640" data-file-height="414" /></a><figcaption>First Direct headquarters in <a href="/wiki/Stourton,_Leeds" title="Stourton, Leeds">Stourton</a>, <a href="/wiki/Leeds" title="Leeds">Leeds</a>.</figcaption></figure> <p>First Direct was formed on 1 October 1989 by <a href="/wiki/Midland_Bank" title="Midland Bank">Midland Bank</a>, one of the <a href="/wiki/Big_Four_(banking)" title="Big Four (banking)">'big four' banks</a> in the United Kingdom. It became a part of <a href="/wiki/HSBC" title="HSBC">HSBC</a> in June 1992, when acquired from Midland Bank. First Direct took its first call on 12:01<span class="nowrap"> </span>am on 1 October 1989; more than 1,000 calls were taken within the first twenty four hours. </p><p>The launch of First Direct in 1989 was advertised twofold. Firstly, there was an advert for Audi which was interrupted by a broadcast purportedly back in time from 2010, celebrating the 21st anniversary of the company (the interruption was agreed with Audi beforehand). </p><p>Secondly, there were two different adverts running concurrently on <a href="/wiki/ITV_(TV_network)" title="ITV (TV network)">ITV</a> and <a href="/wiki/Channel_4" title="Channel 4">Channel 4</a>, one offering a negative view showing the aspects of normal banking (with a blues song mimed by <a href="/wiki/Steve_Punt" title="Steve Punt">Steve Punt</a>) and the other a positive view of First Direct (with a gospel song mimed by <a href="/wiki/Jeremy_Swift" title="Jeremy Swift">Jeremy Swift</a>), with the two crossing over at a key point.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p><p>By May 1991, the bank had 100,000 customers on its books, and by March 1993, it had 250,000. It achieved break even in December 1994. In April 1995, the bank gained its 500,000th customer. </p><p>In May 1999, it launched text message (<a href="/wiki/Short_Message_Service" class="mw-redirect" title="Short Message Service">SMS</a>) banking, a service through which the bank alerts customers by SMS if the balance on their current account goes below a certain amount, and, if set, will send weekly mini statements also by SMS. The bank began limited trials of <a href="/wiki/Online_banking" title="Online banking">internet banking</a> in July 1997, launching the service fully in August 2000. </p><p>In July 2001, the bank's <a href="/wiki/Flexible_mortgage" title="Flexible mortgage">Offset Mortgage</a> was launched. In January 2004, the bank launched First Directory, a service whereby additional services were added to current accounts such as free text message banking, annual <a href="/wiki/Travel_insurance" title="Travel insurance">travel insurance</a> and <a href="/wiki/Mobile_phone" title="Mobile phone">mobile phone</a> <a href="/wiki/Insurance" title="Insurance">insurance</a> for a fixed monthly charge. </p><p>In April 2004, the bank launched <a href="/wiki/Online_banking" title="Online banking">Internet Banking Plus</a>, a service whereby account information was taken by third party internet banking from the bank's other accounts with different banks and the information was unified under First Direct's Internet Banking Plus service. </p><p>In October 2006, the bank launched a first generation mobile phone banking service in partnership with <a href="/wiki/Monilink" title="Monilink">Monilink</a>, pre dating <a href="/wiki/Mobile_app" title="Mobile app">mobile apps</a>.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> In February 2007, First Direct became the first bank in the United Kingdom to introduce a fee for basic financial transactions, fuelling concern for the future of fee free banking in the country for personal customers.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> </p> <figure class="mw-default-size mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/File:Concourse_of_the_First_Direct_Arena,_Leeds_after_a_Manic_Street_Preachers_concert_(2nd_May_2018)_002.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/9/91/Concourse_of_the_First_Direct_Arena%2C_Leeds_after_a_Manic_Street_Preachers_concert_%282nd_May_2018%29_002.jpg/220px-Concourse_of_the_First_Direct_Arena%2C_Leeds_after_a_Manic_Street_Preachers_concert_%282nd_May_2018%29_002.jpg" decoding="async" width="220" height="165" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/9/91/Concourse_of_the_First_Direct_Arena%2C_Leeds_after_a_Manic_Street_Preachers_concert_%282nd_May_2018%29_002.jpg/330px-Concourse_of_the_First_Direct_Arena%2C_Leeds_after_a_Manic_Street_Preachers_concert_%282nd_May_2018%29_002.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/9/91/Concourse_of_the_First_Direct_Arena%2C_Leeds_after_a_Manic_Street_Preachers_concert_%282nd_May_2018%29_002.jpg/440px-Concourse_of_the_First_Direct_Arena%2C_Leeds_after_a_Manic_Street_Preachers_concert_%282nd_May_2018%29_002.jpg 2x" data-file-width="5152" data-file-height="3864" /></a><figcaption>The bank sponsors the <a href="/wiki/First_Direct_Arena" class="mw-redirect" title="First Direct Arena">First Direct Arena</a>.</figcaption></figure> <p>In May 2013, First Direct secured naming rights until 2018 for the new <a href="/wiki/Leeds" title="Leeds">Leeds</a> Arena, to be known as the <a href="/wiki/First_Direct_Arena" class="mw-redirect" title="First Direct Arena">First Direct Arena</a>. In March 2017, it was announced that First Direct had extended its naming sponsorship of Leeds arena for a further five years.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> </p><p>In September 2016, First Direct introduced voice ID technology to verify customers' identities when calling into the bank, the first bank in the United Kingdom to introduce the technology on such a large scale. The following year saw the introduction of a new native mobile app, for both Apple and Android platforms.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (May 2018)">citation needed</span></a></i>]</sup> </p><p>In July 2018, First Direct transferred from being a division of HSBC Bank plc to a division of HSBC UK Bank plc, as part of the bank's <a href="/wiki/Ringfencing" title="Ringfencing">ringfencing</a> restructure.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=First_Direct&action=edit&section=2" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist reflist-columns references-column-width" style="column-width: 30em;"> <ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.thetimes.com/business-money/markets/article/first-direct-bank-online-internet-customer-service-best-hsbc-99fstrtqq">"First Direct: inside the firm that gets customer service right"</a><span class="reference-accessdate">. Retrieved <span class="nowrap">14 August</span> 2024</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=First+Direct%3A+inside+the+firm+that+gets+customer+service+right&rft_id=https%3A%2F%2Fwww.thetimes.com%2Fbusiness-money%2Fmarkets%2Farticle%2Ffirst-direct-bank-online-internet-customer-service-best-hsbc-99fstrtqq&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.ipsos.com/ipsos-mori/en-uk/personal-banking-service-quality-great-britain-february-2020">"Personal banking service quality – Great Britain"</a>. <i>Ipsos MORI</i><span class="reference-accessdate">. Retrieved <span class="nowrap">25 July</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Ipsos+MORI&rft.atitle=Personal+banking+service+quality+%E2%80%93+Great+Britain&rft_id=https%3A%2F%2Fwww.ipsos.com%2Fipsos-mori%2Fen-uk%2Fpersonal-banking-service-quality-great-britain-february-2020&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><a href="/wiki/HHCL" title="HHCL">HHCL</a></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://blog.scienceandmediamuseum.org.uk/short-history-british-television-advertising/">"A short history of British television advertising"</a>. <a href="/wiki/National_Science_and_Media_Museum" title="National Science and Media Museum">National Science and Media Museum</a> blog<span class="reference-accessdate">. Retrieved <span class="nowrap">1 May</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=A+short+history+of+British+television+advertising&rft.pub=National+Science+and+Media+Museum+blog&rft_id=https%3A%2F%2Fblog.scienceandmediamuseum.org.uk%2Fshort-history-british-television-advertising%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation pressrelease cs1"><a rel="nofollow" class="external text" href="http://www.newsroom.firstdirect.com/press/release/hsbc_and_first_direct_break_ne">"HSBC and first direct break new ground with launch of next generation mobile phone banking through MONILINK"</a> (Press release). 4 October 2006<span class="reference-accessdate">. Retrieved <span class="nowrap">24 August</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=HSBC+and+first+direct+break+new+ground+with+launch+of+next+generation+mobile+phone+banking+through+MONILINK&rft.date=2006-10-04&rft_id=http%3A%2F%2Fwww.newsroom.firstdirect.com%2Fpress%2Frelease%2Fhsbc_and_first_direct_break_ne&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20130927010913/http://www.themoneystop.co.uk/112006/hsbc-becomes-first-uk-bank-to-end-free-banking.html">"HSBC Becomes First UK Bank To End 'Free' Banking"</a>. The Money Stop. 16 November 2006. Archived from <a rel="nofollow" class="external text" href="http://www.themoneystop.co.uk/112006/hsbc-becomes-first-uk-bank-to-end-free-banking.html">the original</a> on 27 September 2013<span class="reference-accessdate">. Retrieved <span class="nowrap">14 July</span> 2013</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=HSBC+Becomes+First+UK+Bank+To+End+%27Free%27+Banking&rft.pub=The+Money+Stop&rft.date=2006-11-16&rft_id=http%3A%2F%2Fwww.themoneystop.co.uk%2F112006%2Fhsbc-becomes-first-uk-bank-to-end-free-banking.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.musicweek.com/live/read/leeds-arena-extends-naming-rights-deal-with-first-direct/067845">"Leeds arena extends naming rights deal with First Direct"</a>. Music Week. 15 March 2017<span class="reference-accessdate">. Retrieved <span class="nowrap">19 August</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Leeds+arena+extends+naming+rights+deal+with+First+Direct&rft.pub=Music+Week&rft.date=2017-03-15&rft_id=http%3A%2F%2Fwww.musicweek.com%2Flive%2Fread%2Fleeds-arena-extends-naming-rights-deal-with-first-direct%2F067845&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> <li id="cite_note-8"><span class="mw-cite-backlink"><b><a href="#cite_ref-8">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.ft.com/content/23360f90-7de0-11e8-bc55-50daf11b720d">"HSBC completes 'ringfencing' of UK high street banking unit"</a>. <i>Financial Times</i>. 2 July 2018<span class="reference-accessdate">. Retrieved <span class="nowrap">12 January</span> 2019</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Financial+Times&rft.atitle=HSBC+completes+%27ringfencing%27+of+UK+high+street+banking+unit&rft.date=2018-07-02&rft_id=https%3A%2F%2Fwww.ft.com%2Fcontent%2F23360f90-7de0-11e8-bc55-50daf11b720d&rfr_id=info%3Asid%2Fen.wikipedia.org%3AFirst+Direct" class="Z3988"></span></span> </li> </ol></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=First_Direct&action=edit&section=3" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239009302">.mw-parser-output .portalbox{padding:0;margin:0.5em 0;display:table;box-sizing:border-box;max-width:175px;list-style:none}.mw-parser-output .portalborder{border:1px solid var(--border-color-base,#a2a9b1);padding:0.1em;background:var(--background-color-neutral-subtle,#f8f9fa)}.mw-parser-output .portalbox-entry{display:table-row;font-size:85%;line-height:110%;height:1.9em;font-style:italic;font-weight:bold}.mw-parser-output .portalbox-image{display:table-cell;padding:0.2em;vertical-align:middle;text-align:center}.mw-parser-output .portalbox-link{display:table-cell;padding:0.2em 0.2em 0.2em 0.3em;vertical-align:middle}@media(min-width:720px){.mw-parser-output .portalleft{clear:left;float:left;margin:0.5em 1em 0.5em 0}.mw-parser-output .portalright{clear:right;float:right;margin:0.5em 0 0.5em 1em}}</style><ul role="navigation" aria-label="Portals" class="noprint portalbox portalborder portalright"> <li class="portalbox-entry"><span class="portalbox-image"><span class="noviewer" typeof="mw:File"><span><img alt="icon" 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href="mw-data:TemplateStyles:r1239334494"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239334494"></div><div role="navigation" class="navbox" aria-labelledby="frameless&#124;21px_HSBC" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="3" style="background:#DB0011; color:#FFFFFF"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1239400231">.mw-parser-output .navbar{display:inline;font-size:88%;font-weight:normal}.mw-parser-output .navbar-collapse{float:left;text-align:left}.mw-parser-output .navbar-boxtext{word-spacing:0}.mw-parser-output .navbar ul{display:inline-block;white-space:nowrap;line-height:inherit}.mw-parser-output .navbar-brackets::before{margin-right:-0.125em;content:"[ "}.mw-parser-output .navbar-brackets::after{margin-left:-0.125em;content:" ]"}.mw-parser-output .navbar li{word-spacing:-0.125em}.mw-parser-output .navbar a>span,.mw-parser-output .navbar a>abbr{text-decoration:inherit}.mw-parser-output .navbar-mini abbr{font-variant:small-caps;border-bottom:none;text-decoration:none;cursor:inherit}.mw-parser-output .navbar-ct-full{font-size:114%;margin:0 7em}.mw-parser-output .navbar-ct-mini{font-size:114%;margin:0 4em}html.skin-theme-clientpref-night .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}@media(prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}}@media print{.mw-parser-output .navbar{display:none!important}}</style><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:HSBC" title="Template:HSBC"><abbr title="View this template" style="color:#FFFFFF">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:HSBC" title="Template talk:HSBC"><abbr title="Discuss this template" style="color:#FFFFFF">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:HSBC" title="Special:EditPage/Template:HSBC"><abbr title="Edit this template" style="color:#FFFFFF">e</abbr></a></li></ul></div><div id="frameless&#124;21px_HSBC" style="font-size:114%;margin:0 4em"><span typeof="mw:File/Frameless"><a href="/wiki/File:HSBC_%E6%BB%99%E8%B1%90_(logo_only).svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/3/3d/HSBC_%E6%BB%99%E8%B1%90_%28logo_only%29.svg/21px-HSBC_%E6%BB%99%E8%B1%90_%28logo_only%29.svg.png" decoding="async" width="21" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/3/3d/HSBC_%E6%BB%99%E8%B1%90_%28logo_only%29.svg/32px-HSBC_%E6%BB%99%E8%B1%90_%28logo_only%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/3/3d/HSBC_%E6%BB%99%E8%B1%90_%28logo_only%29.svg/42px-HSBC_%E6%BB%99%E8%B1%90_%28logo_only%29.svg.png 2x" data-file-width="88" data-file-height="44" /></a></span> <a href="/wiki/HSBC" title="HSBC"><span class="tmp-color" style="color:#FFFFFF">HSBC</span></a></div></th></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Origin</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/HSBC_(Hong_Kong)" title="HSBC (Hong Kong)">The Hongkong and Shanghai Banking Corporation</a></li></ul> </div></td><td class="noviewer navbox-image" rowspan="9" style="width:1px;padding:0 0 0 2px"><div><span typeof="mw:File"><a href="/wiki/File:HSBC_logo_(2018).svg" class="mw-file-description" title="The logo of HSBC"><img alt="The logo of HSBC" src="//upload.wikimedia.org/wikipedia/commons/thumb/a/aa/HSBC_logo_%282018%29.svg/150px-HSBC_logo_%282018%29.svg.png" decoding="async" width="150" height="40" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/a/aa/HSBC_logo_%282018%29.svg/225px-HSBC_logo_%282018%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/a/aa/HSBC_logo_%282018%29.svg/300px-HSBC_logo_%282018%29.svg.png 2x" data-file-width="512" data-file-height="138" /></a></span></div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Board of directors</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Kathleen_L._Casey" title="Kathleen L. Casey">Kathleen Casey</a></li> <li><a href="/wiki/Laura_Cha" title="Laura Cha">Laura Cha</a></li> <li><a href="/wiki/Henri_de_Castries" title="Henri de Castries">Henri de Castries</a></li> <li><a href="/wiki/Jonathan_Evans,_Baron_Evans_of_Weardale" title="Jonathan Evans, Baron Evans of Weardale">Jonathan Evans</a></li> <li><a href="/wiki/David_Nish_(businessman)" title="David Nish (businessman)">David Nish</a></li> <li><a href="/wiki/Noel_Quinn" title="Noel Quinn">Noel Quinn</a></li> <li><a href="/wiki/Mark_Tucker_(business)" title="Mark Tucker (business)">Mark Tucker</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Brands</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/HSBC_Expat" title="HSBC Expat">HSBC Expat</a></li> <li><a href="/wiki/HSBC_InvestDirect" title="HSBC InvestDirect">HSBC InvestDirect</a></li> <li><a href="/wiki/HSBC#HSBC_Premier" title="HSBC">HSBC Premier</a></li> <li><a href="/wiki/HSBC_Private_Bank" title="HSBC Private Bank">HSBC Private Bank</a></li> <li><a href="/wiki/PayMe" title="PayMe">PayMe</a></li> <li><a href="/wiki/HSBC_Bank_Argentina#Proa" title="HSBC Bank Argentina">Proa</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Principal local banks</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/HSBC_Bank_Argentina" title="HSBC Bank Argentina">Argentina</a></li> <li><a href="/wiki/HSBC_Bank_Australia" title="HSBC Bank Australia">Australia</a></li> <li><a href="/wiki/HSBC_Bank_(China)" title="HSBC Bank (China)">Mainland China</a></li> <li><a href="/wiki/HSBC_Bank_Egypt" title="HSBC Bank Egypt">Egypt</a></li> <li><a href="/wiki/HSBC_Continental_Europe" title="HSBC Continental Europe">Continental Europe</a></li> <li><a href="/wiki/HSBC_Trinkaus" title="HSBC Trinkaus">Germany</a></li> <li><a href="/wiki/HSBC_(Hong_Kong)" title="HSBC (Hong Kong)">Hong Kong</a></li> <li><a href="/wiki/HSBC_Bank_India" title="HSBC Bank India">India</a></li> <li><a href="/wiki/HSBC_Bank_Malaysia" title="HSBC Bank Malaysia">Malaysia</a></li> <li><a href="/wiki/HSBC_Bank_Malta" title="HSBC Bank Malta">Malta</a></li> <li><a href="/wiki/HSBC_Bank_Middle_East" title="HSBC Bank Middle East">Middle East</a></li> <li><a href="/wiki/HSBC_Mexico" class="mw-redirect" title="HSBC Mexico">Mexico</a></li> <li><a href="/wiki/HSBC_Bank_Polska" title="HSBC Bank Polska">Poland</a></li> <li><a href="/wiki/SABB_(Saudi_bank)" class="mw-redirect" title="SABB (Saudi bank)">Saudi Arabia</a></li> <li><a href="/wiki/HSBC_Sri_Lanka" title="HSBC Sri Lanka">Sri Lanka</a></li> <li><a href="/wiki/HSBC_Bank_(Taiwan)" title="HSBC Bank (Taiwan)">Taiwan</a></li> <li><a href="/wiki/HSBC_Bank_(Turkey)" title="HSBC Bank (Turkey)">Turkey</a></li> <li><a href="/wiki/HSBC_Bank_(Europe)" class="mw-redirect" title="HSBC Bank (Europe)">United Kingdom</a></li> <li><a href="/wiki/HSBC_Bank_USA" title="HSBC Bank USA">United States</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Subsidiary banks</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a class="mw-selflink selflink">First Direct (UK)</a></li> <li><a href="/wiki/Hang_Seng_Bank" title="Hang Seng Bank">Hang Seng Bank (Hong Kong)</a> (63.04%)</li> <li><a href="/wiki/M%26S_Bank" title="M&S Bank">M&S Bank (UK)</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Minority stakes and JVs</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Bank_of_Communications" title="Bank of Communications">Bank of Communications</a> (19%)</li> <li><a href="/wiki/Canara_HSBC_Life_Insurance" title="Canara HSBC Life Insurance">Canara HSBC Life Insurance</a> (26%)</li> <li><a href="/wiki/HSBC_Saudi_Arabia" title="HSBC Saudi Arabia">HSBC Saudi Arabia</a> (60%)</li> <li><a href="/wiki/SABB_(Saudi_bank)" class="mw-redirect" title="SABB (Saudi bank)">SABB</a> (40%)</li> <li><a href="/wiki/Techcombank" title="Techcombank">Techcombank</a> (15%)</li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Predecessor companies</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Bank_of_British_Columbia" title="Bank of British Columbia">Bank of British Columbia</a></li> <li><a href="/wiki/Barclays_Bank_Canada" title="Barclays Bank Canada">Barclays Bank Canada</a></li> <li><a href="/wiki/Beneficial_Corporation" title="Beneficial Corporation">Beneficial</a></li> <li><a href="/wiki/Continental_Bank_of_Canada" title="Continental Bank of Canada">Continental Bank of Canada</a></li> <li><a href="/wiki/Cr%C3%A9dit_Commercial_de_France" title="Crédit Commercial de France">Crédit Commercial de France</a></li> <li><a href="/wiki/Greenwich_Savings_Bank" title="Greenwich Savings Bank">Greenwich Savings Bank</a></li> <li><a href="/wiki/Grupo_Banistmo" title="Grupo Banistmo">Grupo Banistmo</a></li> <li><a href="/wiki/HSBC_Guyerzeller_Bank" title="HSBC Guyerzeller Bank">Guyerzeller</a></li> <li><a href="/wiki/HSBC_Finance" title="HSBC Finance">Household</a></li> <li><a href="/wiki/Imperial_Bank_of_Persia" title="Imperial Bank of Persia">Imperial Bank of Persia</a></li> <li><a href="/wiki/Lloyds_Bank_Canada" title="Lloyds Bank Canada">Lloyds Bank Canada</a></li> <li><a href="/wiki/Marine_Midland_Bank" title="Marine Midland Bank">Marine Midland Bank</a></li> <li><a href="/wiki/Midland_Bank" title="Midland Bank">Midland Bank</a></li> <li><a href="/wiki/Republic_New_York" title="Republic New York">Republic New York</a></li> <li><a href="/wiki/Samuel_Montagu_%26_Co." title="Samuel Montagu & Co.">Samuel Montagu & Co.</a></li> <li><a href="/wiki/Williamsburgh_Savings_Bank" title="Williamsburgh Savings Bank">Williamsburgh Savings Bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Former subsidiaries</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Charterhouse_Capital_Partners" title="Charterhouse Capital Partners">Charterhouse Capital Partners</a></li> <li><a href="/wiki/HSBC_Bank_Brazil" class="mw-redirect" title="HSBC Bank Brazil">HSBC Bank Brazil</a></li> <li><a href="/wiki/HSBC_Bank_Canada" title="HSBC Bank Canada">HSBC Bank Canada</a></li> <li><a href="/wiki/HSBC_Bank_Panama" title="HSBC Bank Panama">HSBC Bank Panama</a></li> <li><a href="/wiki/Eversholt_Rail_Group" title="Eversholt Rail Group">HSBC Rail</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="background:#DB0011; color:#FFFFFF;width:1%">Scandals</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Libor_scandal" title="Libor scandal">Libor scandal</a></li> <li><a href="/wiki/Swiss_Leaks" title="Swiss Leaks">Swiss Leaks</a></li> <li><a href="/wiki/HSBC#Controversies" title="HSBC">more</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="3" style="background:#DB0011; color:#FFFFFF"><div> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <b><a href="/wiki/Category:HSBC" title="Category:HSBC"><span class="tmp-color" style="color:#FFFFFF">Category</span></a></b></li> <li><span class="noviewer" typeof="mw:File"><span title="Commons page"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/12px-Commons-logo.svg.png" decoding="async" width="12" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/18px-Commons-logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/24px-Commons-logo.svg.png 2x" data-file-width="1024" data-file-height="1376" /></span></span> <b><a href="https://commons.wikimedia.org/wiki/HSBC" class="extiw" title="commons:HSBC"><span class="tmp-color" style="color:#FFFFFF">Commons</span></a></b></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Commercial_and_retail_banks_in_the_United_Kingdom" style="padding:3px"><table class="nowraplinks hlist mw-collapsible mw-collapsed navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Commercial_and_retail_banks_in_the_United_Kingdom" title="Template:Commercial and retail banks in the United Kingdom"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Commercial_and_retail_banks_in_the_United_Kingdom" title="Template talk:Commercial and retail banks in the United Kingdom"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Commercial_and_retail_banks_in_the_United_Kingdom" title="Special:EditPage/Template:Commercial and retail banks in the United Kingdom"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Commercial_and_retail_banks_in_the_United_Kingdom" style="font-size:114%;margin:0 4em"><a href="/wiki/List_of_banks_in_the_United_Kingdom" title="List of banks in the United Kingdom">Commercial and retail banks in the United Kingdom</a></div></th></tr><tr><td class="navbox-abovebelow" colspan="2"><div><a href="/wiki/Banking_in_the_United_Kingdom" title="Banking in the United Kingdom">Banking in the United Kingdom</a></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><u><a href="/wiki/Barclays" title="Barclays">Barclays</a></u></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Barclays" title="Barclays">Barclays Bank</a></li> <li><i><a href="/wiki/Barclays_Wealth" title="Barclays Wealth">Barclays Wealth</a></i></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><u><a href="/wiki/HSBC" title="HSBC">HSBC Holdings</a></u></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a class="mw-selflink selflink">First Direct</a></li> <li><a href="/wiki/HSBC_(United_Kingdom)" class="mw-redirect" title="HSBC (United Kingdom)">HSBC UK Bank</a></li> <li><i><a href="/wiki/HSBC_Private_Bank" title="HSBC Private Bank">HSBC Private Bank</a></i></li> <li><a href="/wiki/M%26S_Bank" title="M&S Bank">M&S Bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><u><a href="/wiki/Lloyds_Banking_Group" title="Lloyds Banking Group">Lloyds Banking Group</a></u></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Bank_of_Scotland" title="Bank of Scotland">Bank of Scotland</a></li> <li><a href="/wiki/Birmingham_Midshires" title="Birmingham Midshires">Birmingham Midshires</a></li> <li><a href="/wiki/Halifax_(bank)" title="Halifax (bank)">Halifax</a></li> <li><a href="/wiki/Lloyds_Bank" title="Lloyds Bank">Lloyds Bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><u><a href="/wiki/NatWest_Group" title="NatWest Group">NatWest Group</a></u><sup>1</sup></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/NatWest" title="NatWest">NatWest</a></li> <li><i><a href="/wiki/Coutts_%26_Co." class="mw-redirect" title="Coutts & Co.">Coutts & Co.</a></i></li> <li><a href="/wiki/Royal_Bank_of_Scotland" title="Royal Bank of Scotland">Royal Bank of Scotland</a></li> <li><i><a href="/wiki/Drummonds_Bank" title="Drummonds Bank">Messrs. Drummond</a></i></li> <li><a href="/wiki/Holt%27s_Military_Banking" title="Holt's Military Banking">Holt's Military Banking</a></li> <li><a href="/wiki/Ulster_Bank" title="Ulster Bank">Ulster Bank</a></li> <li><a href="/wiki/Isle_of_Man_Bank" title="Isle of Man Bank">Isle of Man Bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Banco_Santander" title="Banco Santander">Santander Group</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Cahoot" title="Cahoot">Cahoot</a></li> <li><i><a href="/wiki/Cater_Allen" title="Cater Allen">Cater Allen</a></i></li> <li><a href="/wiki/Santander_UK" title="Santander UK">Santander UK</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Wholly state-owned</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/National_Savings_and_Investments" title="National Savings and Investments">National Savings and Investments</a></li> <li><a href="/wiki/UK_Government_Investments" title="UK Government Investments">UK Government Investments</a></li> <li><a href="/wiki/UK_Asset_Resolution" title="UK Asset Resolution">UK Asset Resolution</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Challenger_bank" title="Challenger bank">Challenger banks</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Atom_Bank" title="Atom Bank">Atom Bank</a></li> <li><a href="/wiki/Monzo_(bank)" class="mw-redirect" title="Monzo (bank)">Monzo</a></li> <li><a href="/wiki/Starling_Bank" title="Starling Bank">Starling Bank</a></li> <li><a href="/wiki/Tandem_Money#Tandem_Bank" title="Tandem Money">Tandem Bank</a></li> <li><a href="/wiki/Zopa" title="Zopa">Zopa</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other retail</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Al_Rayan_Bank" title="Al Rayan Bank">Al Rayan Bank</a></li> <li><a href="/wiki/Aldermore" title="Aldermore">Aldermore</a></li> <li><a href="/wiki/AIB_Group_(UK)" title="AIB Group (UK)">AIB Group (UK)</a> <ul><li><a href="/wiki/Allied_Irish_Bank_(GB)" title="Allied Irish Bank (GB)">Allied Irish Bank (GB)</a></li> <li><a href="/wiki/AIB_(NI)" title="AIB (NI)">AIB (NI)</a></li></ul></li> <li><a href="/wiki/Bank_of_Ireland" title="Bank of Ireland">Bank of Ireland</a></li> <li><a href="/wiki/J.P._Morgan_in_the_United_Kingdom#Chase_UK" title="J.P. Morgan in the United Kingdom">Chase</a></li> <li><a href="/wiki/The_Co-operative_Bank" title="The Co-operative Bank">The Co-operative Bank</a> <ul><li><a href="/wiki/Smile_(bank)" title="Smile (bank)">Smile</a></li></ul></li> <li><a href="/wiki/Danske_Bank_(Northern_Ireland)" title="Danske Bank (Northern Ireland)">Danske Bank</a></li> <li><a href="/wiki/EasyMoney" title="EasyMoney">easyMoney</a></li> <li><a href="/wiki/Handelsbanken" title="Handelsbanken">Handelsbanken</a></li> <li><a href="/wiki/Hodge_Bank" title="Hodge Bank">Hodge Bank</a></li> <li><a href="/wiki/Kent_Reliance" title="Kent Reliance">Kent Reliance</a></li> <li><a href="/wiki/Kingdom_Bank_(United_Kingdom)" title="Kingdom Bank (United Kingdom)">Kingdom Bank</a></li> <li><a href="/wiki/Metro_Bank_(United_Kingdom)" title="Metro Bank (United Kingdom)">Metro Bank</a></li> <li><a href="/wiki/Paragon_Banking_Group" title="Paragon Banking Group">Paragon</a></li> <li><a href="/wiki/Reliance_Bank" title="Reliance Bank">Reliance Bank</a></li> <li><a href="/wiki/Secure_Trust_Bank" title="Secure Trust Bank">Secure Trust Bank</a></li> <li><a href="/wiki/Sainsbury%27s_Bank" title="Sainsbury's Bank">Sainsbury's Bank</a></li> <li><a href="/wiki/Shawbrook_Bank" title="Shawbrook Bank">Shawbrook Bank</a></li> <li><a href="/wiki/Standard_Chartered" title="Standard Chartered">Standard Chartered</a></li> <li><a href="/wiki/Tesco_Bank" title="Tesco Bank">Tesco Bank</a></li> <li><a href="/wiki/Triodos_Bank" title="Triodos Bank">Triodos Bank</a></li> <li><a href="/wiki/TSB_Bank_(United_Kingdom)" title="TSB Bank (United Kingdom)">TSB Bank</a></li> <li><a href="/wiki/Virgin_Money_UK" title="Virgin Money UK">Virgin Money</a> <ul><li><a href="/wiki/Clydesdale_Bank" title="Clydesdale Bank">Clydesdale Bank</a></li> <li><a href="/wiki/Yorkshire_Bank" title="Yorkshire Bank">Yorkshire Bank</a></li></ul></li> <li><a href="/wiki/Wesleyan_Assurance_Society" title="Wesleyan Assurance Society">Wesleyan Bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other commercial <br />and private</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Arbuthnot_Latham" title="Arbuthnot Latham">Arbuthnot Latham & Co</a></li> <li><i><a href="/wiki/Bank_and_Clients" title="Bank and Clients">Bank and Clients</a></i></li> <li><i><a href="/wiki/Butterfield_Bank" title="Butterfield Bank">Butterfield Bank</a></i></li> <li><i><a href="/wiki/C._Hoare_%26_Co" title="C. Hoare & Co">C. Hoare & Co</a></i></li> <li><a href="/wiki/Cambridge_%26_Counties_Bank" title="Cambridge & Counties Bank">Cambridge & Counties Bank</a></li> <li><a href="/wiki/Close_Brothers_Group" title="Close Brothers Group">Close Brothers Group</a></li> <li><i><a href="/wiki/Duncan_Lawrie" title="Duncan Lawrie">Duncan Lawrie</a></i></li> <li><a href="/wiki/J.P._Morgan_in_the_United_Kingdom" title="J.P. Morgan in the United Kingdom">J.P. Morgan</a></li> <li><i><a href="/wiki/Kleinwort_Hambros" title="Kleinwort Hambros">Kleinwort Hambros</a></i></li> <li><i><a href="/wiki/Rothschild_%26_Co" title="Rothschild & Co">Rothschild & Co</a></i></li> <li><a href="/wiki/Unity_Trust_Bank" title="Unity Trust Bank">Unity Trust Bank</a></li> <li><a href="/wiki/Weatherbys" title="Weatherbys">Weatherbys</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><a href="/wiki/Big_Four_(banking)#United_Kingdom" title="Big Four (banking)">Big Four banks</a> are <u>underlined</u> and <a href="/wiki/Private_banking" title="Private banking">private banks</a> are shown in <i>italics</i></li> <li><sup>1</sup> Partially owned by <a href="/wiki/UK_Government_Investments" title="UK Government Investments">UK Government Investments</a></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox authority-control" aria-labelledby="Authority_control_databases_frameless&#124;text-top&#124;10px&#124;alt=Edit_this_at_Wikidata&#124;link=https&#58;//www.wikidata.org/wiki/Q5452919#identifiers&#124;class=noprint&#124;Edit_this_at_Wikidata" style="padding:3px"><table class="nowraplinks hlist navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th id="Authority_control_databases_frameless&#124;text-top&#124;10px&#124;alt=Edit_this_at_Wikidata&#124;link=https&#58;//www.wikidata.org/wiki/Q5452919#identifiers&#124;class=noprint&#124;Edit_this_at_Wikidata" scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Help:Authority_control" title="Help:Authority control">Authority control databases</a> <span class="mw-valign-text-top noprint" typeof="mw:File/Frameless"><a href="https://www.wikidata.org/wiki/Q5452919#identifiers" title="Edit this at Wikidata"><img alt="Edit this at Wikidata" src="//upload.wikimedia.org/wikipedia/en/thumb/8/8a/OOjs_UI_icon_edit-ltr-progressive.svg/10px-OOjs_UI_icon_edit-ltr-progressive.svg.png" decoding="async" width="10" height="10" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/8/8a/OOjs_UI_icon_edit-ltr-progressive.svg/15px-OOjs_UI_icon_edit-ltr-progressive.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/8/8a/OOjs_UI_icon_edit-ltr-progressive.svg/20px-OOjs_UI_icon_edit-ltr-progressive.svg.png 2x" data-file-width="20" data-file-height="20" /></a></span></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"><ul><li><span class="uid"><a rel="nofollow" class="external text" href="https://isni.org/isni/0000000403805453">ISNI</a></span></li></ul></div></td></tr></tbody></table></div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; 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