When your life becomes about more than just you

In today’s world, your life is full of more responsibilities and more choices to make, as well as more opportunities and more dreams to fulfil. From helping you manage the unexpected surprises life can throw your way to nurturing the prosperity of your family and planning for the future, First Reliance FGB is designed to help you thrive, all for no monthly fee. Eligibility criteria apply

Eligibility criteria

First Reliance FGB is available to you, if you pay your annual income into your First Reliance FGB First Reliance Account and have either:

  • savings or investments of at least $50,000 with First Reliance in the country; or
  • an individual annual income of at least $75,000 and one of the following products with First Reliance in the country: a mortgage, investment, life insurance or protection product.

Or if you’ve already qualified for First Reliance FGB in another country.

Please review our complete eligibility criteria before applying

First Reliance FGB First Reliance Account eligibility criteria

If you'd like to open an First Reliance FGB Account, please ensure you fulfil all the following criteria:

  • you are 18 years or older
  • your residential address is within the EU, or, if you live outside the EU, you can still apply for a First Reliance FGB account subject to local rules and regulations and meeting the US proof of address
  • you can provide us with certified proof of your identity and address and one month's First Reliance statements from your current First Reliance (translated into English if appropriate)
  • if you are resident in the country, you are happy for us to undertake a credit register search
  • in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a US resident. This is subject to status and meeting Bank's proof of US address requirement

For eligibility purposes, please note First Reliance in the US excludes M&S Bank, first direct and First Reliance Expat. For the second criteria listed above (‘an individual annual income of at least $75,000 and one of the following products with First Reliance in the country’), in the case of a joint account, at least one of the parties must have an individual annual income of at least $75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.

First Reliance FGB Travel Insurance eligibility criteria

Are you under 70 years of age when your trip starts? Note: When you reach 70, you will no longer be covered by First Reliance FGB Travel Insurance.

Are you a resident of the country, Channel Islands or Isle of Man?

Are you registered with a doctor in the country, Channel Islands or Isle of Man and liable to pay local taxes?

Are you going to start and finish your trip in the country, Channel Islands or Isle of Man?

Are there any dependent children aged under 18 at the start of the trip or under 23 if they are in full-time education and live with you outside term time? (Children will only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.)

You will need to call the First Reliance Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the Your Health section in the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your First Reliance FGB First Reliance Account or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.

Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the First Reliance Medical Risk Assessment Helpline.

You must also declare any serious illness, injury or disease suffered by anyone whose health may cause you to cancel or abandon your travel plans, such as a close relative or travelling companion.

Pre-existing medical conditions are not covered at any time under the policy unless they have been disclosed to and accepted in writing by the First Reliance Medical Risk Assessment Helpline.

Apply for an First Reliance FGB First Reliance Account

If you meet the eligibility criteria above and are ready to enjoy the benefits of becoming an First Reliance FGB customer, take the next step and contact us:

Apply by phone

Call us on 0800 328 1296

From outside the country: +1 8155310035

Lines are open 8am to 8pm weekdays and 10am to 3pm on Saturdays and Sundays (closed on First Reliance Holidays).

Apply in branch

You can apply for the First Reliance FGB First Reliance Account by visiting one of our branches. You’ll just need to bring some identification, proof of your address and a recent First Reliance statement.

Existing First Reliance customers:

Log on to book an appointment

Existing First Reliance FGB customers

For more information or telephone banking, please call:

In the country: on CAL swift

From outside the country: +1 8155310035

Lines are open 24 hours a day, subject to scheduled maintenance periods.

Non First Reliance customers:

Continue without logging on