from 765 ratings
765 customers rated First Direct as 4.5 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
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 Credit Cards

Customers rated their First Direct Credit Cards as 4.5 out of 5. Read more First Direct Credit Cards reviews.

First Direct Gold Credit Card
Balance TransfersPurchasesRepresentative APR (variable)
-0% for 17 months16.9% APR
This product is only available to existing customers.
Representative Example: The standard interest rate on purchases is 15.76% p.a. (variable). So if you borrow £1,200 the Representative APR will be 16.9% APR APR (variable).
First Direct Credit Card
Balance TransfersPurchasesRepresentative APR (variable)
0% for 27 months
2.29% fee
-18.9% APR
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 APR (variable).

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

First Direct Savings

Customers rated their First Direct Savings as 4.6 out of 5. Read more First Direct Savings reviews.

First Direct Regular Saver Ex/C
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Regular Saver£25.006% fixed
for 1 year
on £25+
FSCSOnline & Phone
This product is only available to existing customers.
First Direct Cash ISA Ex/C
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£1.001.5% variable
on £30,000+
FSCSOnline, Phone & Post
This product is only available to existing customers.
First Direct Fixed Rate Savings Ex/C
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£2,000.001.2% fixed
until 31 Oct 2015
on £100,000+
FSCSOnline & Phone
This product is only available to existing customers.

First Direct Loans

Customers rated their First Direct Loans as 4.7 out of 5. Read more First Direct Loans reviews.

First Direct Personal Loan Ex/C
Loan TypeLoan AmountRepresentative APRLoan Term
Unsecured£1,000 to £25,0004.0% APR
(£7,000 to £25,000)
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 4% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4% APR p.a. (fixed) you will repay £225.64 per month & £10,830.72 in total.

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

First Direct Mortgages

Customers rated their First Direct Mortgages as 4.6 out of 5. Read more First Direct Mortgages reviews.

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

First Direct 2 Year BBR+1.09% Offset Ltd Edition
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.59% tracker
for 24 months
3.69%3.6% APR
Available direct by telephone only.
First Direct 2 Year 1.59% Fixed Limited Edition
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.59% fixed
for 24 months
3.69%3.5% APR
Available direct by telephone only.
First Direct Term BBR+1.49%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.99% tracker
-2.1% APR
Available direct by telephone only.

First Direct Current Accounts

Customers rated their First Direct Current Accounts as 4.6 out of 5. Read more First Direct Current Accounts reviews.

First Direct 1st Account
Account Fee & RequirementsOverdraftHeadline Interest
£10 a month£250 interest
& fee free, then 15.9% EAR
0% AER
With the 1st Account you will get £100 for switching (if you've not tried them before) and a £250 interest-free overdraft comes as standard. Discover how easy it is to move your account. Plus £100 if you're not happy after six months and want to leave.
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 firstdirectory)
Account Fee & RequirementsOverdraftHeadline Interest
£15 a month£250 interest
& fee free, then 15.9% EAR
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 listed on money.co.uk.

First Direct Travel Money

Customers rated their First Direct Travel Money as 5 out of 5. Read more First Direct Travel Money reviews.

First Direct Car Insurance

Customers rated their First Direct Car Insurance as 3.7 out of 5. Read more First Direct Car Insurance reviews.

First Direct Home Insurance

Customers rated their First Direct Home Insurance as 3.8 out of 5. Read more First Direct Home Insurance reviews.

First Direct Travel Insurance

Customers rated their First Direct Travel Insurance as 4.2 out of 5. Read more First Direct Travel Insurance reviews.

First Direct Breakdown Cover

Customers rated their First Direct Breakdown Cover as 4.8 out of 5. Read more First Direct Breakdown Cover reviews.