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first direct: 1st Account reviews

Name: 1st Account
Rating: 4.69 (1237 reviews)

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4.64

Based on 1,237 reviews, last reviewed 20th Nov 2024

11% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

84%

10%

Latest highest rating:

5

Excellent 24 hour service with humans 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 ... Read more Reviewed on: 20th November 2024

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

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About this product

First Direct 1st Account is a personal current account with tools and features to support spending, saving, borrowing and budgeting. The account has interest free overdraft options and no fees for spending abroad. At Smart Money People, we collect First Direct 1st Account reviews to help you discover what life as a First Direct customer is really like.

If the First Direct 1st Account sounds like the right current account for you, read our reviews to learn more. Find out how long existing customers have had their accounts. Read about the overdraft options and additional features. Learn about the mobile app, its features and how simple it is to use. All of this and more can be found in our First Direct 1st Account reviews.

Have you got a First Direct 1st Account? Share your experience with others on Smart Money People. Why did you choose this current account and how long have you been using it? Don’t forget to tell us the pros and cons you’ve experienced with the 1st Account and anything else other people would find useful. Would you recommend the account to your family and friends? Do you use the mobile banking app, and if so, what features do you like the most? Write a First Direct 1st Account review today. Together, we can help people like you make better financial decisions.

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first direct 1st Account reviews (1237)

can't be beaten

excellent customer service from first direct. Have had no problems at all and staff always helpful Reviewed on: 31st August 2015

first class

Rated high for customer service and when using you can see why. UK call centres, you get through quickly and staff know what they are talking about. No problems at all Reviewed on: 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 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. Reviewed on: 31st August 2015

Telephone banking you can do online!

I have been with First Direct almost since they started in1989 and I have never been tempted to move away. Before the internet, it was useful having a bank I could phone in the middle of the night to discuss my account and still use its mother company HSBC if I wanted to get some money. It's still easy now to make contact, which I usually do online, but good to know I can get in touch, on the phone, with any queries. Over the years, I've had savings, my mortgage and an ISA with them- they don't always pay the top rates but I feel safe with this bank and, to me, that's worth a lot. Reviewed on: 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 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. Reviewed on: 29th August 2015

brilliant

held account for several years. No problems and very easy to deal with if you do ever have to phone Reviewed on: 27th 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 i have always been satisfied without being passed around various departments that i was used to with other banks. Reviewed on: 26th August 2015

Good current account with great customer service

I switched to First Direct after hearing about their £125 joining incentive. I was accepted for the account and the switch went through smoothly. At various points during the switch I needed to phone First Direct's customer service line and I found their call center staff to be really helpful and friendly. The joining incentive was paid quickly and I also signed up for a 6% regular saver which is linked to the current account - this is the best I have seen on the market. Overall a very positive experience! Reviewed on: 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 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. Reviewed on: 25th 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 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. Reviewed on: 18th August 2015

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