Smart Money People Logo

first direct: 1st Account reviews

4.64
Based on 1,240 reviews, last reviewed 28th Nov 2024
42% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
84%
See only 4 star reviews
10%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

Latest highest rating:

5

UK call centres, very knowledgeable and polite. UK call centres, very knowledgeable and polite. The best by far. Reviewed on: 28th November 2024
Elpajoja's avatar
Elpajoja

Latest lowest rating:

1

Unethical bank, if you can get past the login screen Been with them on two different occasions and both times same experience. They have the most complicated way to log into their accounts vs any other b... Read more Reviewed on: 7th September 2024
Richard P's avatar
Richard P

About this product

The first direct 1st Account is a current account that can be opened in minutes.

If you’re eligible, you can get an interest free overdraft of £250. You won’t be charged debit card fees when spending abroad. If approved for an account, you’ll get a virtual card you can use straight away.

first direct 1st Account reviews help you find out what it’s really like to be a customer. If you’ve used first direct before, you can also leave a review and share your experience.

first direct 1st Account reviews (1240)

Review of the first direct, 1st Account:

No need to change again!

5
Easy to talk to and get through to, fantastic service - all round best bank I have ever used - no plans to ever switch! Reviewed on: 22nd June 2016

UK call centres, very knowledgeable and polite.

5
UK call centres, very knowledgeable and polite. The best by far. Reviewed on: 28th November 2024

The online bank you need

5
Great online bank, never had a problem with them. Reviewed on: 28th November 2024

Great bank - wonderful staff

5
Great bank - always get to speak to a person in this country - not a call centre abroad and they are so friendly and helpful. Great to have a regular saver if you have a 1st account too. Just all round easy bank to deal with Reviewed on: 22nd November 2024

Excellent 24 hour service with humans

5
Excellent 24 hour service with real people always. Great site and app with few problems ever. Sadly, no extras such as cashback or interest. There is a free £250 overdraft though. Reviewed on: 20th November 2024

fd - a needle in the proverbial financial haystack

5
In the almost two decades I have used fd, nothing has gone wrong, no apology has been needed and things continue to work as clockwork, which in this day and age is a miracle. Reviewed on: 15th October 2024

very good banking system.

5
very good banking system. Never had any problems in many years. Reviewed on: 15th October 2024

Brilliant

5
For years have supported my ups and downs, a great backup to my finacial life Reviewed on: 24th September 2024

Unethical bank, if you can get past the login screen

1
Been with them on two different occasions and both times same experience. They have the most complicated way to log into their accounts vs any other bank. The names they give the codes, OTP, pins etc, vary throughout the process. So just logging in is a case of juggling 7+ different codes and passwords. Apart from their parent bank, no other bank seems to make it so hard to login. I had to repeatedly call them to unlock my accounts. Other than that, the bank account is average; nothing special. The savings rates that are then accessible with them are usually good, but like their parent HSBC; the money isn't invested ethically. Reviewed on: 7th September 2024

easy to use app and easy to get in touch with custom...

5
easy to use app and easy to get in touch with customer services Reviewed on: 4th September 2024

Satisfied

5
I've been with them for a few years now and I'm very satisfied Reviewed on: 3rd September 2024

Do you have a different first direct product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

There's still more to see!

first direct has a range of products available. Check the ratings of each product to find the right one for you. View all products