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 £100 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 BBR+1.09% Offset
Maximum LTV
65%
Initial Rate
1.59% tracker
for 24 months
Subsequent Rate
3.69%
Overall Cost for Comparison
3.6% APR
First Direct 2 Year BBR+1.09% Offset
Maximum LTV
65%
Initial Rate
1.59% tracker
for 24 months
Subsequent Rate
3.69%
Overall Cost for Comparison
3.5% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
First Direct 2 Year 1.69% Fixed
Maximum LTV
65%
Initial Rate
1.69% fixed
for 24 months
Subsequent Rate
3.69%
Overall Cost for Comparison
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.

Can't stop recommending them to people

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by cr7364

First Direct have been fantastic, and a real contrast to my previous bank, since I moved over a year ago. The switching process was straightforward and quick. There was a slight problem with one of my ISA transfers going astray, but they quickly resolved it and phoned me to keep me updated. Customer service is amazing - friendly people who chat to you and really listen to what you are asking. They also answer within a maximum of about 5 rings and you get straight through to the person you want to speak to with no automated messages. Once they picked up before it had even rung once at my end. No problems yet with my cards being blocked while abroad (which was a frequent problem with my old bank), and I know it won't be a problem if they do as it will be stress-free to resolve. I really can't recommend them enough!

by , 16 Nov 2014 report review

Best bank I've ever used

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by wasfield

I joined First direct about 16 years ago when it was just telephone banking, a friend recommended them to me and I have never looked back. They keep up with the times offering excellent online services as well as the best call centre service you will ever get as the phone is answered quickly and usually the person who answers you call deals with you and there is none of this constant transferring. The security is very good and I feel safe using them. They offer everything any high street bank offers but with seamless service.

Good service, good security

by , 15 Nov 2014 report review

First Direct- Best Bank Ever

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by benand1981

I have been with First Direct for almost ten years and have absolutely no complaints about their service. Any time I have to call them, I receive a polite answer within 3-4 rings and never once have they not been able to answer my queries. Regular update letters are provided detailing changes to services and recently had one advising that charges have in fact been reduced! My only slight disappointment is the recent change to charging £10 per month if salary is not paid into account, which we are now being charged on our joint account we also hold with them. They also provide First Directory which includes various insurance cover and is a real saving against having to arrange these myself.

Great customer service

by , 13 Nov 2014 report review

Would not change Bank!

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by wend

First Direct are an excellent online banking service. I have been with First Direct for many years now after being recommended to them by a relative, I have since recommended my daughter who is now with them as well. You will receive a money incentive if you switch to First Direct which is also a bonus. Excellent customer service and always available at the end of the phone!

Reliable

by , 7 Nov 2014 report review

Person to person

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by psalmody

Ah, the best customer service bank! No foreign call centres, and almost always a really quick answer 24/7. So easy to manage your account via telephone or online. I have found them brilliantly helpful. It's great too that they are part of HSBC so those outlets are available on street as well. They have been introducing a better paying regular saver account which is very competitive but their ISA's are a bit off the boil compared to the vrest of the market.

Brilliant customer service

Not up there with interest rates for savers

by , 19 Nov 2014 report review

First Direct Online Banking

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by cliffxdavis

A secure but not confusing site. Easy access and everything you need. If they are still offering the £100 enrolment go for it. Vanilla banking with an effective but not overbearing security system. They move cash to other banks without delay. Service has been helpful and efficient when I have needed it. A recent move to number verification systems is a bit tiresome but I expect it will become standard across the banking sector soon.

by , 14 Nov 2014 report review

Brilliant service everytime

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by mandyo20

First direct have excellent customer service, great online banking features, UK call centres, 24/7 - what more could you ask for. You always speak to a person and not a machine and very rarely have to wait for a person to speak to. Would not hesitate to recommend First Direct as I have never encountered any problems with them and the service is always efficient and friendly.

24/7 customer service

by , 7 Nov 2014 report review

First Direct Current Account

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by richa34

I got £100 for switching from my Nat West bank account that was charging my extortionate rates when I went a few pounds over drawn. My First Direct account was easy to switch and I no longer pay any bank fees and to top it all when I have to speak to someone I get to speak to a person who is fluent in English! The account is easy to open and switch and has won a few awards too.

by , 29 Oct 2014 report review

First direct current account review

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by b1rd13

I switched from Santander as I wanted a current account with a free overdraft facility and First Direct provide that. It is 0% overdraft for the first £250 which suits me. I also got £250 for switching to them which was an added bonus and have had no problems. When calling them it goes through to a UK call centre and any problems or questions are dealt with quickly and efficiently. I would highly recommend them to anyone.

by , 15 Nov 2014 report review

Great, easy to reach customer service.

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by rebecc49

Hassle free, straight forward banking for the busy person. Easy access to accounts online with high security protection. Customer service is great and you speak with real people, easy to apply online and they provide a wide range of products. Perfect for people that are hands on with their accounts and are happy to use online banking. Product was found by a Google search.

Straight forward

No branch but HSBC can be used

by , 2 Nov 2014 report review