Smart Money People Logo

Voting in the Consumer credit awards 2025 is open - Vote here

Share this page
Link copied

first direct reviews

First Direct Logo
Rated Excellent • 4.66/5

first direct reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business
Last reviewed within 7 days
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Offers digital wallet and contactless payment support
    Offers digital wallet and contactless payment support
  • FCA approved and regulated
    FCA approved and regulated

Review summary

People rate this company as Excellent based on 1,692 product reviews

Average score of 4.66/5
5 star
84%
4 star
9%
3 star
2%
2 star
1%
1 star
4%
Reviews for first direct have trended negatively over the past 90 days

Latest positive rating

5/5

Best Bank Ever

I have been banking with First Direct now for at least 20 years. I have always found them very helpful and friendly. No long phone... I have been banking with First Direct now for at least 20 years. I have always found them very helpful and friendly. No long phone queues and easy to get to speak to the right department. Any issue or question is sorted with ease and efficiency. Read more Read less

{"display":"Dawn Appleby","full_name":"Dawn Appleby","avatar":{"url":"\/assets\/uploads\/avatars\/users\/457989.png"}}'s avatar

Latest negative rating

1/5

Direct line Car Insurancce.Hah

My daughter did all the right things to cancel my insurance. She received confirmation and I received clearance that all was ok. And I forgot... My daughter did all the right things to cancel my insurance. She received confirmation and I received clearance that all was ok. And I forgot all about it. Since then I have received 2 letters both dated the same and both quoted me and were addressed to me & were sorry I had left Direct Line Insurance. Both times we had confirmation with dated letters (Quite prepared to Show) Today was the last straw, Direct Line told me I owed for the time I had already cancelled. YOU TELL ME, WHY DID I BOTHER TO CANCEL MY INSRANCE. My wife who is 83+ & me 86- do everything correctly & yesterday my wife was rushed into Northamton General Hospital with undisclosed problems with her Heart following surgery in Leicester, SORT IT OUT & QUICKLY Read more Read less

{"display":"Graham GARBUTT ONLY","full_name":"Graham GARBUTT ONLY","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1242790.png"}}'s avatar
See more reviews for first direct products

About first direct

first direct is a digital bank with headquarters in Leeds.

first direct is a division of HSBC UK Bank. It was founded in 1989 and was the UK's first telephone bank and the first to offer 24/7 service.

first direct help customers with bank accounts, mortgages, loans, credit cards, savings, investments and insurance.

first direct at a glance

Contact details

Phone
03456 100 100
Main address
first direct, 40 Wakefield Road, Leeds, LS98 1FD
Social media

Reviews for first direct

Showing 11 of 1692 company reviews • Last reviewed within 7 days

Best Bank Ever

Tracker Rate Mortgage • 22nd June 2025

I have been banking with First Direct now for at least 20 years. I have always found them very helpful and friendly. No long phone... I have been banking with First Direct now for at least 20 years. I have always found them very helpful and friendly. No long phone queues and easy to get to speak to the right department. Any issue or question is sorted with ease and efficiency. Read more Read less

{"display":"Dawn Appleby","full_name":"Dawn Appleby","avatar":{"url":"\/assets\/uploads\/avatars\/users\/457989.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Great bank!

Current Account • 21st June 2025

Great customer service, 24 hours a day, any issues are always dealt with promptly. Would be good if the current account paid interest as well.

{"display":"Deborah H","full_name":"Deborah H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    Great customer service

    What I like the most about this bank is the customer service, I don’t think I have ever had a bad interaction over the phone.... What I like the most about this bank is the customer service, I don’t think I have ever had a bad interaction over the phone. Every time I have had a query it has been solved expediently and professionally. Of course the current account is great. I came via the switch offer and I do not regret it! Read more Read less

    {"display":"Augustina Ntow Brisaa","full_name":"Augustina Ntow Brisaa","avatar":{"url":"\/assets\/uploads\/avatars\/users\/546278.png"}}'s avatar
  • 5/5

    They are with you 24/7 at the end of a phone line wi...

    They are with you 24/7 at the end of a phone line with a UK based call centre. On the rare occassion when I need... They are with you 24/7 at the end of a phone line with a UK based call centre. On the rare occassion when I need to talk to a real person my problems are simply dealt with and I feel like I am talking to a friend. I have been with them almost since the start and have no intention of leaving. Read more Read less

    {"display":"Graham Davidson","full_name":"Graham Davidson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Great telephone banking service

    I have held 2 current accounts with First Direct since they began, and I have valued their responsive telephone banking service.

    {"display":"Liz D","full_name":"Liz D","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1085926.png"}}'s avatar
    Current Account
    Liz D 13th June 2025
  • 4/5

    Helpful advice and friendly.

    Helpful advice and friendly. Took my queries to completion.

    {"display":"Aamir M","full_name":"Aamir M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    Aamir M 13th June 2025
  • 5/5

    Problem free current account, for a change.

    Had a First Direct current account for a few years now and am very satisfied. It makes a change to be problem free for so... Had a First Direct current account for a few years now and am very satisfied. It makes a change to be problem free for so long. Customer Service sorted one 'scam problem' out, so overall very happy with the service. Read more Read less

    {"display":"MadAd","full_name":"MadAd","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    MadAd 13th June 2025
  • 5/5

    Humans pick up the phone!

    They are easy to contact, have call centres that answer the phone based in the UK and have a clear app, that makes dealing with them easy.

    {"display":"Helen R","full_name":"Helen R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    Helen R 12th June 2025
  • 5/5

    Excellent service 24 hours per day, every day.

    Excellent service 24 hours per day, every day of the year. Phones answered quickly and a truly excellent website and app. Fee free overdraft is a very good option too.

    {"display":"m.corfield@yahoo.co.uk","full_name":"m.corfield@yahoo.co.uk","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Free overdraft, if you go over up to the prearranged...

    Free overdraft, if you go over up to the prearranged amount, you do not get charged interest.

    {"display":"A Dyer","full_name":"A Dyer","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    A Dyer 12th June 2025
  • 5/5

    Exceptional customer service

    Have banked with FD for a long time - made the mistake many years ago after a poorer than normal experience to move current accounts... Have banked with FD for a long time - made the mistake many years ago after a poorer than normal experience to move current accounts but quickly regretted it and went back. App online always reliable and their phone customer service always exceptional. So nice polite and friendly and genuine. Actually seem to care about what they do and how they do it. Always professional efficient and well trained. use several other banks for saving or additional accounts or other products but refuse to move current account again. Read more Read less

    {"display":"Lucy S","full_name":"Lucy S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Current Account
    Lucy S 12th June 2025

    Products from first direct
    Showing products offered by first direct

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice