first direct · UK Digital Bank · Part of HSBC

first direct
statement guide

first direct statementguide

Learn how to download your first direct bank statement and categorize every transaction.

How to downloadAI categorizationCSV & Excel exportSpending insights

Get started — it's free

✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds

How it works

Two simple steps to analyze your statement

Step 1

Download your statement

Get your first direct PDF from firstdirect.com or the first direct app. No password needed.

Step 2

Get AI spending breakdown

Upload your PDF — AI categorizes every Direct Debit, standing order, and card transaction automatically.

1.Download your statement

Get your first direct PDF from firstdirect.com or the first direct app. No password needed.

2.Get AI spending breakdown

Upload your PDF — AI categorizes every Direct Debit, standing order, and card transaction automatically.

Step 1

Download your first direct statement

Online Banking

firstdirect.com

Enter your security number and memorable word.

Select your account

Choose your current or savings account.

Statements

Go to Statements and choose your period.

Download PDF

Download PDF — no password required.

first direct App

iOS & Android

Open first direct App

Tap account

Select your current or savings account.

Statements

Go to Statements and select your period.

Download PDF

Download PDF — opens directly, no password.

HSBC customers: first direct is a wholly-owned HSBC subsidiary but operates as a completely separate brand with its own app, website, and 24/7 customer service. Log in at firstdirect.com — not hsbc.co.uk.

Step 2

Now analyze your first direct statement

Upload your first direct PDF and AI will read every transaction — Direct Debits, standing orders, card payments, and Faster Payments — showing you exactly where your money goes.

Detected Subscriptions

$46.98/mo recurring

Netflix

MonthlyMar 15, 2026

$15.99

Spotify Premium

MonthlyMar 22, 2026

$10.99

ChatGPT Plus

MonthlyApr 1, 2026

$20.00

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Total Analyzed

$6,284

AI Insights

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

See your first direct spending clearly

Upload your statement — full AI analysis in 30 seconds. Free for 3 pages.

Analyze My first direct Statement →

✓ 3 pages free · ✓ No signup · ✓ 30 seconds

Pricing

Simple, transparent pricing

Free

Try it out

3 PDF pages / month
AI transaction categorization
Sankey money-flow chart
AI insights & savings tips
Financial health score
Spending calendar
CSV export

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Everything about first direct statements

PDF password

No password

first direct PDFs open directly

Founded

1989

World's first telephone bank

Branches

No branches

100% telephone & digital

About first direct

first direct (est. 1989) was the world's first telephone bank, pioneering branchless banking before the internet existed. A wholly-owned HSBC subsidiary, first direct operates as a completely separate brand with its own app, website, and legendary 24/7 UK-based customer service. Consistently ranked number one for UK customer satisfaction, it has never had physical branches.

Downloading your first direct statement

Download your first direct statement PDF via firstdirect.com (security number and memorable word, Statements) or the first direct app. first direct PDFs are not password-protected. Access up to 7 years of statement history online.

first direct statement analysis

first direct statements include Direct Debits, standing orders, card payments, Faster Payments, and CHAPS transfers. Our AI reads every transaction and assigns it to one of 19 categories, giving you a spending breakdown plus Excel and CSV export.

first direct statement FAQ

How do I download my first direct bank statement?+−

Log in at firstdirect.com with your security number and memorable word. Select your account, go to Statements, choose your period, and download the PDF. You can also use the first direct app — tap your account, go to Statements, select your period, and download.

Is there a password on first direct statement PDFs?+−

No. first direct statement PDFs are not password-protected. The downloaded PDF opens directly without any password.

What is the difference between first direct and HSBC?+−

first direct is a wholly-owned subsidiary of HSBC, but it operates as a completely separate brand with its own app, website (firstdirect.com), and 24/7 customer service team available by phone. If you have a first direct account, log in at firstdirect.com — not hsbc.co.uk. The two banks share HSBC ownership but have entirely separate portals, apps, and teams.

Is first direct customer service really available 24/7?+−

Yes. first direct is famous for its 24/7 UK-based customer service by phone — available every hour of every day including Christmas Day. This was its founding differentiator when it launched in 1989 as a telephone bank. first direct consistently tops UK customer satisfaction surveys.

How far back can I get first direct statements online?+−

first direct provides up to 7 years of statement history online via firstdirect.com and the first direct app. first direct has no branches — it is a 100% telephone and digital bank, and has been since 1989.

Can I export my first direct statement as CSV?+−

Yes. first direct online banking lets you download transactions in various formats. You can also upload your PDF to our tool and export a clean CSV or Excel file with AI-categorized transactions.

Can I analyze my first direct statement with AI?+−

Yes. Download your first direct PDF statement (no password needed) and upload it to mybankstatementanalysis. AI reads every transaction — Direct Debits, standing orders, card payments, Faster Payments — categorizes them, and shows a visual spending breakdown with CSV and Excel export.

See your first direct
spending clearly — free.

Upload your PDF — AI maps every Direct Debit, card payment, and transfer by category.

Analyze My Statement Free →