Ratings based on 189 reviews Last review 1 week ago

First Direct 1st Account reviews come from people like you! With so many different current accounts now available, you can read these honest First Direct 1st Account reviews to find out what life as a First Direct customer is really like. And remember, if...

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are a First Direct customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of First Direct 1st Account reviews. Together, we can make financial services work better for everyone.

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Your 1st Account Reviews (189)

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24th January 2015

first direct employ amazing staff, their people make phoning the bank more of a pleasure and less of a chore

First direct have won my vote due to how well they look after their customers! I recently joined and they've taken care of me as a friend, rather than a customer. They really make you feel as if you can trust them... And I do!

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26th January 2015

Been with them from the start - best customer service ever - most unbank-like!

I have used First Direct from their very early days, and have had the best customer service from them - I'm no bank lover, but First Direct make me feel like they actually try that extra bit harder to keep you happy. I don't use their web service as I prefer...

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I have used First Direct from their very early days, and have had the best customer service from them - I'm no bank lover, but First Direct make me feel like they actually try that extra bit harder to keep you happy. I don't use their web service as I prefer to speak to a real person, and their UK based staff are helpful, friendly and knowledgable - EVERY time. Totally recommended.

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7th February 2015

Came for the money, stayed for the service.

To be honest, I first switched to First Direct because of their £125 switching bonus. Being a broke student, this sounded great. Even better was that if they were worse than my already crummy bank, I'd get another £125. Win-win. Turned out I did even better...

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To be honest, I first switched to First Direct because of their £125 switching bonus. Being a broke student, this sounded great. Even better was that if they were worse than my already crummy bank, I'd get another £125. Win-win. Turned out I did even better than the second £125 by staying. Although they don't have the face-to-face availability of some banks, their phone service is superb, not to mention their products. You get to speak to a real person, in England, who is knowledgeable about what they have and how it works for you and, wait for it, helpful! It's so refreshing to have a bank that generally seems to recognise its customers are human beings and treats them that way. For example, when I lost money in a cashpoint, they were incredibly responsive and restored the balance to my account straightaway recognising that every little bit counts. I'd definitely recommend them, with or without the £125.

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29th April 2015

Can't fault it!

I have never had any issues with this bank at all. In fact, they call me to tell me when something is going wrong! No pressing buttons to get to speak to someone. Always answer after 2 rings. Really can't fault them, a breath of fresh air after banking with...

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I have never had any issues with this bank at all. In fact, they call me to tell me when something is going wrong! No pressing buttons to get to speak to someone. Always answer after 2 rings. Really can't fault them, a breath of fresh air after banking with Santander for 10 years!

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18th August 2015

Superb Service

Switched from HSBC to FD and even got the bonus. Service has been exceptional throughout and up to the reviews found on the net. Very friendly phone contact every time and although I needed to set up a number of different passwords, even changing them when...

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Switched from HSBC to FD and even got the bonus. Service has been exceptional throughout and up to the reviews found on the net. Very friendly phone contact every time and although I needed to set up a number of different passwords, even changing them when I forgot was possible while still secure.
My questions where answered every time and additional documents sent straight away. Can only recommend FD so far.

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25th August 2015

Great product, great service

I switched to First Direct purely for their offer of £125 for switching current accounts. I had seen this advertised in a few places, and thought it seemed worth the trouble of switching accounts. The process to switch was very straightforward, and they...

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I switched to First Direct purely for their offer of £125 for switching current accounts. I had seen this advertised in a few places, and thought it seemed worth the trouble of switching accounts.

The process to switch was very straightforward, and they moved all my direct debits etc across no problems. When they sent me all the documents for the account, I had a couple of questions, so I thought I would call them to get my answers. The phone was answered very quickly by a real person in the UK, who was able to answer my questions straight away. I was really impressed I didn't have to sit on hold for ages.

A few weeks later I got my £125 for switching.

One benefit for me is that the account gives you access to a 6% regular saver account, so that you can put money away each month and get a better than average return on the savings.

I haven't used the overdraft at all, so I couldn't comment on the cost of this and whether it is good or not.

The other feature I have used is the online messaging service when I have had questions, and they have always replied within 48 hours with a comprehensive answer to my question.

The customer service really makes them stand out for me, and I would recommend them.

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26th August 2015

The No1 Bank that gives great service

If you want an account from a bank that looks after its customers,First Direct is a good choice.First Direct is always at or near the top in terms of customer experience especially on MSE. Of the few times i have needed to contact the bank via its call centres...

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If you want an account from a bank that looks after its customers,First Direct is a good choice.First Direct is always at or near the top in terms of customer experience especially on MSE. Of the few times i have needed to contact the bank via its call centres i have always been satisfied without being passed around various departments that i was used to with other banks.

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29th August 2015

Best bank I've dealt with

Switched to first direct at the beginning of 2015 due to a £125 switch incentive. The Switch was simple, and despite being a little put off initially by the fact that they are online/phone only, found their customer service to be top notch whenever I've had...

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Switched to first direct at the beginning of 2015 due to a £125 switch incentive. The Switch was simple, and despite being a little put off initially by the fact that they are online/phone only, found their customer service to be top notch whenever I've had to call them. Any branch services (e.g paying in cheques) can be done in a branch of HSBC, which can be a little problematic in Scotland as they are few and far between.

I bank online a lot and I must say that the security to log on to online banking seems very thorough (if a little over-complicated), but I am not a massive fan of the phone app, it seems a little fussy and messy in comparison to Bank of Scotland which i used previously.

Overall though I would recommend them to anybody.

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31st August 2015

Easy to use banking, online and on the phone.

I've been with First Direct since they began and find them the easiest bank to deal with online and particularly on the phone. In the last couple of years they've added an extra level of security to their online service with a code generating system when...

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I've been with First Direct since they began and find them the easiest bank to deal with online and particularly on the phone. In the last couple of years they've added an extra level of security to their online service with a code generating system when you log in to carry out transactions (thankfully you can still check your balance without using this) which gives greater peace of mind with online banking. Any difficulties and there is always a pleasant, friendly voice at the end of the phone to resolve things for you. Overall great customer service.

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