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Ratings based on 324 reviews Last review 2 days ago
4.71 / 5Amazing overall rating

First Direct reviews written by our Smart Money People can help you to find out more about life with this bank. Multi-award winning First Direct claim to "listen, have a conversation and recognise that it's your money, not theirs." Smart Money People...

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First Direct reviews written by our Smart Money People can help you to find out more about life with this bank. Multi-award winning First Direct claim to "listen, have a conversation and recognise that it's your money, not theirs." Smart Money People is the UK's independent financial services review site. Read and write First Direct reviews, and together we can help to increase trust and transparency in financial services.

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Your First Direct Reviews (324)

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18th September 2017

The bank you need

I use on-line banking as a preference and the First Direct on-line banking system is second to none. I have had other online bank accounts over the years and none have worked as well and seamlessly as the First Direct product. I would thoroughly...

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I use on-line banking as a preference and the First Direct on-line banking system is second to none. I have had other online bank accounts over the years and none have worked as well and seamlessly as the First Direct product. I would thoroughly recommend it.

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6th September 2017

The best regular saver product out there

Used to be 6%, now 5%, but I cannot find anything to beat it. Also the £300 a month limit is higher than anyone else. Not good for stashing great wodges of money, but definitely good for saving up lumps of money for holidays, buy a car and other big ...

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Used to be 6%, now 5%, but I cannot find anything to beat it. Also the £300 a month limit is higher than anyone else. Not good for stashing great wodges of money, but definitely good for saving up lumps of money for holidays, buy a car and other big things like that. Best of all, their customer service is the best I have seen from anyone, I actually like talking to them!

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22nd August 2017

Not a bad word to say!

I swapped from HSBC to First Direct around Christmas last year and I couldn't fault the process at all. The customer service team are incredibly helpful and never make me feel stupid or an inconvenience when I ask them anything. I mainly bank via the...

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I swapped from HSBC to First Direct around Christmas last year and I couldn't fault the process at all. The customer service team are incredibly helpful and never make me feel stupid or an inconvenience when I ask them anything. I mainly bank via the app and have had no bad experiences with it at all.

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21st August 2017

Customer service is good but that's all there is...

Customer service is really good. You get through to some one right away and are dealing with your query in minutes. Though, there is nothing really more to first direct - you don't really get any benefits (low interest rates, a pretty lack luster...

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Customer service is really good. You get through to some one right away and are dealing with your query in minutes. Though, there is nothing really more to first direct - you don't really get any benefits (low interest rates, a pretty lack luster app..) it really feels like a no frills bank. Competitors have better interest rates, benefits such as rewards and cash back etc - first direct has nothing but good customer service. I don't find myself calling my bank often (reallistically, why should you these days when it's all online!) Also, all the security questions etc were a pain along with the various codes etc. I seen no beneift from staying, as I wasn't getting anything back from first direct after 4 years - especially from a product that would technically cost 10 pound a month if I didn't meet the quota. In the end, I decided to leave for a competitor that would offer better benefits such as rewards and cashback on certain purchases and I am a lot happier (better app too!) even if I need to press one when calling and entering my details on the phone.

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11th August 2017

Beware of First Direct Offset Mortgages

I had an offset mortgage with first direct in 2000. I made overpayments on the understanding that I can have access to surplus funds at any time as long as I kept paying monthly instalments...

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I had an offset mortgage with first direct in 2000. I made overpayments on the understanding that I can have access to surplus funds at any time as long as I kept paying monthly instalments regularly.
When I needed a lump sum from my overpayments to do home renovations after 17 years of regular payments, they bluntly refused on the pretext that a second charge was applied on my mortgage!!!
Morale: Avoid First Direct Offset Mortgages! If you have to take one with First Direct, never make overpayments. Your savings will go into a black hole and you will never see this money again!!
Beware!!!

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10th August 2017

Easy to apply, quick to receive and great incentive

I switched to a First Direct credit card recently. they offer £30 completely free when you spend £500 or more in 90 days on your card. I always use my credit card for most purchases ( paying it off every month in full) so this is real money for free! E...

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I switched to a First Direct credit card recently. they offer £30 completely free when you spend £500 or more in 90 days on your card. I always use my credit card for most purchases ( paying it off every month in full) so this is real money for free! Excellent customer service too.

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18th July 2017

First Firect First Class

I've been with First Direct since the bank opened. I like that you get straight through to a friendly operator 24 hrs a day 365 days a year. No press 1 blah blah blah nonsense. I get a £250 free overdraft and can manage my account online or go into ...

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I've been with First Direct since the bank opened. I like that you get straight through to a friendly operator 24 hrs a day 365 days a year. No press 1 blah blah blah nonsense. I get a £250 free overdraft and can manage my account online or go into HSBC branches or the post office. I wouldn't bank with anyone else.

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30th June 2017

Very unhelpful

Highly disappointed by the rate offered and by realising how disinterested they were in helping me out In a moment of difficulty where I was suffering the consequences of somebody dishonest and unlawful behaviour towards me, despite me having been a...

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Highly disappointed by the rate offered and by realising how disinterested they were in helping me out In a moment of difficulty where I was suffering the consequences of somebody dishonest and unlawful behaviour towards me, despite me having been a great customer always maintaining my payments up to date for 14 years.

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24th June 2017

Black & white banking

What you see is what you get with FD. Over the years they've invested in improving their app and to this day I feel confident as a customer to manage my finances via the app or online. On rare occasions I call up. No frills, no added bits and bobs but...

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What you see is what you get with FD. Over the years they've invested in improving their app and to this day I feel confident as a customer to manage my finances via the app or online. On rare occasions I call up. No frills, no added bits and bobs but it works and I'm happy :)

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