Flexible banking day or night.
The freedom and flexibility to bank whenever you need to, from wherever you are.
Online Banking is responsive and resizes to suit each device. Be it a desktop, tablet or phone, you have the flexibility of banking at a time and place that suits you. Our security precautions mean your money is kept safe.
The service is available to personal customers (aged 12 and over), personal business customers and partnerships. Once registered for Online Banking, you can also use our Mobile and Phoneline Banking services.
Please note, Online Services may be unavailable between 3:00am and 7:00am daily due to essential maintenance.
Features and benefits
Easy to use service that is safe, secure and convenient
First Trust Bank Online Banking is an easy, simple and convenient way to manage your finances.
Upon registration, you will be issued with two sets of secure numbers, an eight digit registration number and a five digit Personal Access Code (PAC). You can change your PAC to make it easier to remember.
Once the service is activated, you can access our Online, Mobile and Phoneline Banking Services by using these secure numbers.
When you use our Online Banking (www.firsttrustbank.co.uk/onlinebanking), you can be safe in the knowledge our service is secure.
Our Online Banking employs a secure login process.
You will be asked to input your registration number, three random digits of your PAC and periodically a third piece of personal information to confirm your identity before you will be allowed to view your accounts and complete simple transactions.
As an additional layer of security, for some of our services, you will be required to validate these transactions with a card reader (if you hold a First Trust Visa debit card).
We understand how important the security and confidentiality of your information is to you. Your security is our highest priority. For added piece of mind visit our Security Centre on www.firsttrustbank.co.uk/securitycentre which provides tips on how to stay safe online.
View your account balances and transactions
With our service you can keep on top of your finances by:
- Viewing your account balance and seeing what is available for you to withdraw or transfer. This will include your overdraft (if you have arranged one)
- Viewing your recent transactions and searching by account or name on:
- Up to 100 transactions on Current accounts
- Up to 50 transactions on Deposit accounts
- Up to 22 transactions on Credit Card accounts
- Viewing any pending Visa debit card transactions (those which you have made but have not yet been taken from your account) including the retailers name.
- Confirming whether a cheque you have written has been presented
Stop paper statements
You can choose to stop your paper statements and when your eStatement is available to view you will receive a text message. You can stop paper statements in four easy steps.
Step 1. Log into Online Banking
Step 2. Choose ‘eStatements’ from the ‘Accounts’ menu
Step 3. Select the ‘X’ beside the account you wish to stop paper statements for or select ‘Stop all paper statements’ and follow the on screen instructions.
Step 4. Confirm your mobile number.
If you change your mobile phone number make sure you keep us up to date.
Update your contact details using ‘My Details’ in Online Banking (you will need your card reader to complete this process).
Transfer money or pay bills within the UKMake payments and move money at a time and place that suits you. You can:
If you plan to transfer money to another bank or building society, or pay any credit card, store card or finance bills, you will require a card reader.
- Transfer money between your own accounts and to any bank or building society account in the UK.
- Pay bills to a list of up to 2,000 companies. You can even select a payment date up to 28 days in advance.
- Choose to make these payments on a one-off basis, or for convenience you can save these bill and account details if you plan to pay to them on a regular basis.
Manage your regular payments and direct debitsDependant on the account type you hold, you can:
- Set up, amend or cancel standing orders (regular payments). You can also view the details of your current active or any cancelled regular payments.
- Cancel your direct debits. You can also view the details of your current active direct debits and of any direct debits you have cancelled within the last 6 months.
Apply for a Fixed Rate Personal Loan and Overdraft
You can apply for a Fixed Rate Personal Loan and you can apply for an Overdraft facility on your Classic Current account. We aim to decision your Fixed Rate Personal Loan application within 3 business hours*.
*Our business hours are Monday to Friday from 9am to 5pm, excluding bank holidays. Although we aim to provide you with a decision within 3 business hours, this period may be extended for technical or other legitimate reasons.
Open and manage Regular Saver and Fixed Rate Saver accounts
You can also manage these accounts online. You can:
Regular Saver account Fixed Rate Saver account
- View or Amend Savings Payment
- Close your account
- Amend Maturity Instruction
- Add Funds – funds can only be lodged during specific periods*
- View Fixed Rate Saver account details
*Funds can only be added to your Fixed Rate Saver account during the initial account opening period, two days from account opening and when the account is in the pre-maturity window, five business days before the maturity date.
Manage your cards
If you hold a First Trust Bank Visa Debit or credit card, you can:
Visa debit card Credit card
- Order a PIN reminder
- Report your card lost or stolen
- Add this card to view your transaction and bill details
- Order a PIN reminder
- Order a replacement card
- Change your credit card address
- Request a credit limit increase or decrease
- Report your card lost or stolen
Manage Account and Balance Alerts on your personal Current Accounts
An Alert is a text message notification we’ll send you to help you manage your Current Account. To receive Alerts we will use the mobile telephone number held on file for you.
For more information on Alerts and how to set up a Balance Alert, click here.
Update ‘My Details’
You can now view and update your telephone numbers and email address at any time through Online Banking. You will need your Card Reader to update your telephone numbers.
If the address we hold for you is incorrect, please call Phoneline Banking on 0345 793 0000†, log in and press zero (0) to speak to a Customer Service Adviser. Our advisers are available between 8am and 12am (Midnight), 7 days a week and will be happy to change your address. You will need your Card Reader to complete this process.
Send a Secure Message
Secure Messaging allows you to conveniently and securely send a query to the Bank.
We will respond to your query within 24 hours (9am to 5pm, Monday to Friday, excluding bank holidays).
To find out more click here
How to register
To get started has never been easier. You can register now and start to use the service within a few minutes.
Simply call Phoneline Banking on 0345 793 0000†, press hash (#) and one of our Customer Service Advisers will be happy to help you. Our advisers are available between 8am and 12am (Midnight), 7 days a week and will register you and activate the service for you while you are on the phone.
They will also talk you through how to use the service and order you a card reader if you plan to complete transactions or services that require these.
Alternatively, you can download and complete the paper application and post this to your local branch. Once your form has been received and validated, your registration details will be sent to you.
† Call charges may vary – refer to your service provider
Key services available through Online Banking
The below table compares the services available on Online Banking against our other Online services and Ways to Bank.
Online Banking Mobile Banking Phoneline Banking Check your account balanceyesyesyes Check and search your recent transactionsyesyesyes Check your pending transactionsyesyesyes Transfer money between your own accounts and any UK clearing bankyesyesyes Pay your bills and Credit Cardsyesyesyes Apply for a Fixed Rate Personal Loanyesyes Apply for a personal Overdraftyes Open a new savings accountyes Set up regular paymentsyes View, amend or cancel your regular paymentsyesyes View or cancel direct debitsyesyes Cheque searchyesyes Stop paper statementsyes View or print eStatementsyesyes Order a statementyesyes Manage your Credit Cardyesyes Manage your Visa debit cardyesyes Manage your Fixed Rate Saver accountyes Manage your Regular Saver accountyes Manage Account and Balance Alertsyes Update ‘My Details’yes Hear the PIN for your personal Visa debit cardyes Send a Secure Messageyes List of useful contactsyesyes Access to banking services 365 days a year, day & nightyesyesyes
Transaction limits and payment cut-off times
First Trust Bank Online Banking is available from 7am until 3am 365 days a year for you to manage your finances.
There are however cut off times and transaction limits that apply to any value transactions that you are sending, setting up or cancelling.
Payments made after the daily cut-off time may take an additional banking day to be received by the recipient. This information will be displayed at the bottom of each payment screen. See the below links for more information:
Important information for joint account holders, personal business partnerships and Cash ISA account holders
Joint account holders and personal business partnerships
Customers who hold joint accounts should be aware that all account holders are jointly and severally liable for all transactions carried out on their accounts through Online Services.
If your joint account was set up so that any one of you can sign solely to complete transactions, then full access will be granted and you will be able to complete value transactions on this account through Online Services.
If your joint account was set up that all or more than one of you must sign or give authority to complete transactions, you will only be allowed to use Online Services for transactions which do not involve any value, for example checking your balance. You will not be able to carry out transactions such as transferring money or paying bills.
Cash ISA account holders
Customers who hold a Cash ISA account will not be able to transfer funds into this account online. Lodgements can only be made at a First Trust Bank branch.
If you need to withdraw money from your Cash ISA account online, you can do so provided you have made a lodgement to the account in the previous or current tax year. If this is not the case you will need to visit a First Trust Bank branch to make this withdrawal.
Talk to us
Simply call Phoneline Banking on 0345 793 0000† log in and choose option zero (0) and one of our Customer Service Advisers will be happy to help you. Our advisers are available between 8am and 12am (Midnight), 7 days a week.
† Call charges may vary – refer to your service provider
Help and guidance
You can get back online in minutes
Find details of specific current security threats to our Online and Mobile Banking customers and alerts that you should be aware of.
For service related queries, please visit our Help Centre.