Excellent4.6

76% of customers recommended from 868 ratings

When you open an account with First Direct, you will benefit from great rates of interest on current and savings accounts, no charges for everyday transactions, free text message mini-statements sent to your mobile phone and when you call you will speak to a real person every time, no scripts and no pressing the # key.

First Direct Current Accounts

Read customer opinions on First Direct Current Accounts reviews.

First Direct 1st Account
Account Fee & Requirements
£10 a month
Overdraft
£250 interest & fee free, then 15.9% EAR variable
Interest Rate
0% AER
With the 1st Account you will get £125 for switching and a £250 interest-free overdraft comes as standard. Plus £100 if you're not happy after 6 months & want to leave. T&Cs apply.
Monthly charge is waived if £1,000+ is paid in per month.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 15.9% EAR (variable).
First Direct 1st Account (with first directory)
Account Fee & Requirements
£15 a month
Overdraft
£250 interest & fee free, then 15.9% EAR variable
Interest Rate
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 15.9% EAR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Broker for all consumer credit products promoted on money.co.uk.

First Direct Savings

Read customer opinions on First Direct Savings reviews.

First Direct Bonus Savings Account Ex/C
Account Type
Instant Access
Open With
£1
Interest Rate
0.75% AER variable
Protection Scheme
FSCS
This product is only available to existing customers.
First Direct Savings Account Ex/C
Account Type
Instant Access
Open With
£1
Interest Rate
0.05% AER variable
Protection Scheme
FSCS
This product is only available to existing customers.
First Direct Everyday e-Saver
Account Type
Easy Access
Open With
£1
Interest Rate
0.25% AER variable
Protection Scheme
FSCS

First Direct Credit Cards

Read customer opinions on First Direct Credit Cards reviews.

First Direct Gold Credit Card
Balance transfers
16.9% p.a. variable with a 2.9% fee
Purchases
0% for 17 months
Representative APR (variable)
16.9% APR
This product is only available to existing customers.
Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 16.9% APR (variable).
First Direct Credit Card
Balance transfers
0% for 27 months with a 2.29% fee
Purchases
20% p.a. variable
Representative APR (variable)
18.9% APR
You have up to 2 months from opening an account to transfer a balance and get the 0% deal.
This product is only available to existing customers.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Broker for all consumer credit products promoted on money.co.uk.

First Direct Loans

Read customer opinions on First Direct Loans reviews.

First Direct Personal Loan Ex/C
Loan Type
Unsecured
Loan Amount
£1,000 to £25,000
Representative APR
3.6% APR
(£7,000 to £25,000)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 3.6% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 3.6% p.a (fixed) you will repay £136.71 per month & £8,202.55 in total.

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Broker for all consumer credit products promoted on money.co.uk.

First Direct Mortgages

Read customer opinions on First Direct Mortgages reviews.

Your home may be repossessed if you do not keep up repayments on your mortgage.

First Direct 2 year tracker offset
Maximum LTV
65%
Initial rate
1.59% base rate tracker for 24 months
Subsequent rate (SVR)
3.69% variable
Application fees
£950
The overall cost for comparison is 3.6% APR
First Direct 2 year tracker offset for existing borrowers
Maximum LTV
65%
Initial rate
1.59% base rate tracker for 24 months
Subsequent rate (SVR)
3.69% variable
Application fees
£450
The overall cost for comparison is 3.5% APR
First Direct 2 year fixed
Maximum LTV
65%
Initial rate
1.69% fixed for 24 months
Subsequent rate (SVR)
3.69% variable
Application fees
£950
The overall cost for comparison is 3.5% APR

First Direct Reviews

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Used First Direct? Tell us about your experience because it will help others. Add a review.

First Direct - you are just superb

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by vitesse939

Every year (and it has been over 15 now that I have been with first direct), I think how can they improve, and yet they do. Not only is banking hassle free, it is also a pleasure. I mean making banking a pleasure should be an art form but they have made it into a science. Isn't that the reserve of the American or the Japanese to make service sectors stuff so pleasurable that you want to say thanks at the end of your task, surely not from humble Leeds. All I can say is just please keep up the good work.

Everything

by , 21 Nov 2014 report review

First Direct always open even on Christmas Day.

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by dorsetbumkin

I have found this telephone/internet form of banking brilliant. When I thought my computer had been corrupted I contacted them and they spent over three hours running tests etc on my computer to ensure safety. They are always willing to talk any issue through. They are friendly and helpful. I have been with them for years and really have no need to change.

I have never had an issue with them.24 hour banking 365 days a year.

no problems

by , 21 Nov 2014 report review

Brilliant, first class service

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by gibbsy

Having been disappointed by my previous bank I am delighted with first direct, their app is excellent and clear, they send all information by text as required, you can get hold of someone at any time of night or day and all english speaking, easy to understand, nothing is too much trouble. Lost my debit card and not only was a replacement with me within a couple of days they even offered to sort out access to cash via HSBC branches if I needed it at any point.

by , 21 Nov 2014 report review

First Direct current account

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by odecla

Excellent customer service. This shows regularly in bank reviews - they consistently score very highly. Most of my banking with them is online. But when I need to call them, they are very fast to answer and very efficient and professional in all dealings. I've had bank accounts elsewhere and none came close in terms of service. No complaints in terms of fairness too.

Outstanding customer service

Can't think of any

by , 21 Nov 2014 report review

First Direct current account

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by pannama

Applied because of excellent 'Which' rating and got £100 bonus. The difference between this bank and our previous is phenomenal! The customer service is wonderful, the phone staff are chatty if you want to be, deal with queries promptly and accurately and never make you feel rushed. The website and security is very good, access to other products such as regular saver account with good interest rate.

Excellent customer service

No interest on current account money

by , 21 Nov 2014 report review

Fantastic company - you need to change banks now

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by mcarr472

Where do I start - they are just amazing. You are never waiting ages to get througn to them. You can understand them as they are English people not in India or god knows where. They are so lovely and helpful. I once got charged bank charges as I had misunderstood timings of when DDs etc could be added to the account and when I rang to ask why they explained it all to me then took the charges off that time without me even asking them to and I was quite prepared to pay them as it was my fault. My opinion - change to FD now!!!

Everything

by , 22 Nov 2014 report review

First Direct Service

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by al44

Excellent service, works really well. I bank online and have had no problems. When I use phone banking, the people you talk to are all very good. It has plenty of different accounts. If you have a mortgage, the offset feature is especially good. I found this product through seeing some advertising - quirky and funny. you get rewarded if you switch to their current account which is free.

by , 21 Nov 2014 report review

First Direct - Current Account

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by maggie61

I have been banking with First Direct since 1993. Since then the number of my accounts has grown from a sole current account, to savings and mortgage. In all that time only one admin error has been made and this was put right as soon as I pointed it out to them. I used to bank over the phone with them but now I do 98% of it online with no issues whatsoever.

Excellent service; always available

by , 21 Nov 2014 report review

First Direct Regular Saver

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by richa34

I started a first direct regular savings account over a year ago based on a price comparison website informing me of the highest saving rates available, the First Direct regular savings account can only be activated if you have a current account but if you switch to them you get £100 too. I got a rate which is about 1 percent higher than most other regular savings accounts.

higher savings rate

have to have a current account

by , 29 Oct 2014 report review

First Direct and why I would recommend it

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by ollygr

Customer service is brilliant. A person on the phone. I regularly recommend them. My husband worked for another bank but when we got married I insisted he change to First Direct. I always recommend them. I think they are friendly and efficient on the phone. You never have to do all that dialling to get through which I MUCH prefer. The online service was introduced much earlier than other banks.

efficient, human

the wait has increased recently

by , 22 Nov 2014 report review