first direct Reviews 36,620

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the efficient and friendly customer service provided by the staff, who are often described as knowledgeable and helpful. Consumers value the ease of resolving issues over the phone and the personal touch of speaking directly with a human being. People highlight the user-friendly website and app, as well as the bank's proactive approach to security. The overall sentiment towards the service is positive, with reviewers consistently praising the efficient and helpful support they receive. The staff's professionalism and ability to resolve problems effectively are frequently mentioned. However, opinions on payment processes are mixed, with some users finding the online payment system cumbersome, while others appreciate the convenience of using their debit card abroad.

Based on these reviews

Rated 5 out of 5 stars

Very kind call handler forgotten his name ! Had a good sense of humour too . I had purchased a new phone and was having trouble recovering online banking access and Apple Pay. This was sorted quickly... See more

Rated 5 out of 5 stars

My requests are always simple, usually transfers between our accounts, or those of family. Recently, a car purchase was dealt with well, the necessary enquiries made to make sure all was well. Pleas... See more

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Rated 5 out of 5 stars

I've been with first direct a number of years now and find them an excellent bank. I've never had any real issues and on the rare occasion that I've rang them they answered straight away and deal with... See more

Rated 5 out of 5 stars

Not one for reviews usually but credit where credits due. Notified of some unusual activity on my debit card and the support I received from the FD team was fantastic. Quickly ascertained potential... See more

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Rated 1 out of 5 stars

Very poor complaint handling. We waited over a month for a response, only for a random agent to clearly decide the outcome before reviewing any evidence. We had to make several follow-up phone calls o... See more

Rated 5 out of 5 stars

I’ve used FD since they started & had no issues, or certainly none that are not resolved by their wonderful staff, over the phone. I find the app simple & easy to use. I have had annual regular s... See more

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Rated 5 out of 5 stars

I was with Midland Bank as I started my working life & then moved to First Direct when it opened, as its phone based service suited my lifestyle. Today I still conduct all my banking over the phone as... See more

Rated 5 out of 5 stars

First Direct app makes everything so easy...transferring money to other accounts and viewing statements. There is the added bonus of a £250 overdraft, always a great help. And chatting to a chatbot... See more

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Rated 5 out of 5 stars

After more than 50 years with a high street bank that promised to be by my side..but wasn't, I apprehensively changed to First Direct, a little nervous at no high street presence. I needn't have worri... See more

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Rated 5 out of 5 stars

Ive never written a review,not my sort of thing,but if it encourages this bank to keep things the way they are then its worth the bother. 50 years of being messed about by high street banks,I shoul... See more

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Rated 5 out of 5 stars

Don't really like leaving reviews however, Dealing First Direct is never a bother, always a kind listening person on the other end of the phone talking me through things 24/7. This is how banking s... See more

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Rated 5 out of 5 stars

Banked with First Direct since 1995 and always great service ! Recently two scam attempts same day from Amazon U.S.A for very small amounts. I contacted First Direct who passed me to the Security depa... See more

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Rated 5 out of 5 stars

I have been with First Direct since the day they launched their online account (or very soon after) and I have always experienced efficient, friendly knowledgeable service. Phones are answered quickl... See more

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Rated 5 out of 5 stars

The customer service at first direct is excellent and it's great to use the app and phone 24/7. Watching the recent video between Chris Pitt and Bella lacked proper introduction to whom Chris was unti... See more

Rated 5 out of 5 stars

With all the new digital banks out there it’s so refreshing to know that First Direct is still there as the best traditional bank! All the gimmick banks like Monzo, Starling, Chase etc are not a patch... See more

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Rated 5 out of 5 stars

Have been with 1st director over 20yrsand never had an issue they couldn't sort out. Can easily talk to an operative on the phone who is knowledgeable. Commission free use of debit cards abroad wi... See more

Rated 5 out of 5 stars

Extremely efficient and helpful customer support team. Polite and understanding in any situation. First Direct is an excellent bank, one which others could do well to emulate. A great App, and a tel... See more

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Rated 5 out of 5 stars

Been with First Direct for over 20 years, after leaving another large Bank,due to terrible service. First Direct have been amazing. So much support, great products, super friendly team, always availab... See more

Rated 5 out of 5 stars

Have been with FD since since its conception and the fact that I'm still there would say it is pretty good. The agents are less professional than in past years and appear less well trained but mostly... See more

Rated 5 out of 5 stars

I have banked with First Direct for about 20 years & have never once regretted moving from my previous bank. Their prompt action to possible frauds or scams are second to none & make me feel very con... See more

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Rated 5 out of 5 stars

For me the Bank is Awesome ; as Connection to 'Voice' is Fairly Swift. I have other accounts with other Banks that tend to Give 'Short Shrift'. Set up to Deal with 'Folk by Phone' ; Staff are... See more

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Rated 5 out of 5 stars

Best bank - and best banking app - I've ever used. Had my main account with them for over 40 years and no intention of changing. Been through many, many others over the years for savings, investment... See more

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Rated 5 out of 5 stars

Switched to First Direct about 5 years ago after a lifetime of frustration and being overcharged by high street banks ( HSBC.. awful.. and FD are part of them ? How can the two be so different???) F... See more

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Rated 3 out of 5 stars

Customer service is fantastic - I bank with 5 banks in 3 countries and FD has the best customer support by far - 5 star. But - their banking app is the worst by far, 1-star - and despite being ca... See more

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Rated 1 out of 5 stars

I’ve been with First Direct for 20 years and previously been very impressed but today I’m really angry with them. They’ve applied a blanket policy (which I believe to be discriminatory) and despit... See more

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Rated 3 out of 5 stars

Like telephone service. Do not like Perks- not necessary and too complicated to access. Tried once never again. You could simply choose a customer randomly then contact them and offer a choice of e... See more

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Rated 5 out of 5 stars

Great banking experience. If I could move my business account to them I would. Always answer the phone promptly, use the latest voice recognition security so you don’t waste time answering countless q... See more

Rated 5 out of 5 stars

Great app and overall service online a d telephone support. Should have switched yrs ago . Supporting me with supporting Mum as POA helping with her finances as she can't handle tech abd gets wiped... See more

Rated 5 out of 5 stars

Initially had concerns but having spoken with them to set up account needn’t have worried. Should have jumped earlier as stayed with other high street bank until it closed in my town. Agent who spoke... See more

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Rated 5 out of 5 stars

Love it. I switched about 30 years ago and wild horses couldn't drag me away. I am a bookkeeper so have dealings with many banks both large and small and none come close to the user friendliness of Fi... See more

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Rated 5 out of 5 stars

I have been a customer for over 30 years! pretty much since FD launched in early 90's. Continue to recommend to everyone who ever asks me for a Bank recommendation. Regular user of both telephone bank... See more

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Rated 5 out of 5 stars

The member of staff was very efficient. She helped me transfer a sum of money to a large company which didn’t appear when I scrolled through the drop down list. She was patient and did a thorough job... See more

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Rated 4 out of 5 stars

Hassle free App banking with superb customer service used for last 10 years. Glad to hear from Chris & Bella’s video that fixed Rate ISA is coming. Would get 5* for rewarding customer loyalty if offer... See more

Rated 5 out of 5 stars

I have been with First Direct since it changed from the Midland Bank, i.e about 66 years. The bank has always served me well and I find their current online security system excellent and streamlined... See more

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Rated 1 out of 5 stars

Customer prob 30yrs and just about every single time I have an interaction with the bank now its shambolic!! They either dont answer via phone, or tell you online via your own bank portal they cant he... See more

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Rated 5 out of 5 stars

App is fab for everyday, website brilliant I can check if I have any future payments set thatbInhad forgotten about. Call centre just as I would expect friendly helpful and most importantly in thi... See more

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Rated 5 out of 5 stars

Great banking service and easy to use app. I’ve been able to set up standing orders and manage my accounts quite easily. Their customer service is second to none and even helped me with a problem canc... See more

Rated 5 out of 5 stars

I've been with first direct for decades now and wouldn't be with anyone else. I do struggle with online transactions due to disabilities but when I am well enough, I find them pretty straightforward t... See more

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Rated 5 out of 5 stars

I love First Direct, the App is brilliant and so is customer services! I had some suspicious activity on my account, they contacted me straight away and blocked the fraudsters, the guy on the phone wa... See more

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Rated 5 out of 5 stars

Easy to use, very reliable. So far, there's never been a case where the system refused to behave or misbehaved once open. Of course, First Direct also have accounts that pay over the current average "... See more

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Rated 5 out of 5 stars

I've been with First Direct for over 25 years and I can honestly say I have had only positive experiences! I travel extensively so shifted to online banking straight away, and later the App when it be... See more

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Rated 1 out of 5 stars

I wouldn't recommend First Direct. Their app constantly shows the wrong balance. Their debit card keeps rejection your purchases. Which is very embarrassing. Their app makes it impossible to manage yo... See more

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Rated 1 out of 5 stars

I am a high earner with an almost perfect credit score, and applied to switch recently. But apparently I don't qualify for the smallest of overdrafts. Not willing to discuss reasons at all. Just com... See more

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Rated 4 out of 5 stars

They are helpful, and make sure you understand what traction is best to suit my needs. I like that I can ring anytime in the early hours. They have improved on telephone wait time. (Maybe because of h... See more


Company details

  1. Bank

About first direct

Information provided by various external sources

At first direct, banking’s done with you in mind. You can keep track of your money on your mobile app, or Online Banking. We’re the bank that’s never closed, you can talk to us about your money day or night, 365 days of the year. We’re here to give you everything you need to make the right decisions for your money.
Download the first direct mobile app for iOS
Download the first direct mobile app for Android
App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

37K reviews

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Rated 5 out of 5 stars

Was abroad had a potential fraud on my…

Was abroad had a potential fraud on my account no long hold time on the phone efficient friendly staff got the job done no dramas

January 31, 2026
Unprompted review
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Reply from first direct

Hi Peter, we're always happy to hear that we were able to get that taken care of for you. We do like to try and keep things drama free. -Christian

Rated 5 out of 5 stars

A stressful situation dealt with professionally

Ive been banking with first direct for about 25 plus years. Never ever had a problem. The interaction over the phone about an unauthorised payment was clear prompt and precise.
Process was well explained and instruction given as to not dispose or delete any correspondence. Then instructed to call back so that card could be restarted.
A very stressful situation dealt with professionally and clearly, gave me a good night's sleep... thank you First direct.

February 6, 2026
Unprompted review
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Reply from first direct

Hi Mark, thank you for the amazing review. It is wonderful to know you felt so supported by us. We always want to do the best we can for our customers. We will continue to be here whenever you need us. -Leanne

Rated 5 out of 5 stars

What's not to like?

I have banked with First Direct for 30 years and I've never had a complaint. My Fixed Rate First Direct Mortgage is coming to the end of its term. I checked the existing customer offers with FD and those of the competition and found that First Direct came out on top. So this morning I called to get the ball rolling. It's now 19:35 of the same day and it's all done, agreed and signed. So easy to arrange. Customer service was great. Laura, who called me at exactly the time arranged to setup the switch to the new mortgage product was friendly, relaxed, knowledgeable and happy to talk thorough anything I wanted to clarify. I didn't feel rushed and there was no pressure of any kind. Highly recommend First Direct. What's not to like? Well played First Direct, well played! 🌟🌟🌟🌟🌟

February 12, 2026
Unprompted review
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Reply from first direct

Hi Elmo, I'm very happy to hear how quickly and efficiently your new mortgage was arranged. Thank you for your wonderful review of our mortgages, and our mortgage team! -Mikayla

Rated 5 out of 5 stars

Extremely friendly and helpful staff…

Extremely friendly and helpful staff member. Fully explained everything.

February 9, 2026
Unprompted review
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Reply from first direct

Hi Mrs Schravesande, I'm so glad we were able to help and explain everything you needed. Thank you for your lovely review! -Mikayla

Rated 5 out of 5 stars

Superb service on every level.

Customer service at First Direct is first class on every level and each time I ring them...for the following reasons: 1. Within seconds someone has always answered my phone call. 2. Going through security is seamless and professional. 3. All customer service staff have been utterly professional, polite, empathetic, kind and just pleasant to talk with treating me, as the customer, with respect. 4. All issues I have had have always been promptly resolved. No other bank acts in the way and that is why I prefer First Direct and have been with First Direct for so many years. Highly recommend this online bank.

February 10, 2026
Unprompted review
Rated 5 out of 5 stars

Extremely helpful

The very helpful manner with which the advisor resolved the problem that I had, was second to non.
I am an elderly man who has little computer skills and not the best memory, however, I was calmly led through the necessary steps required.
In all a pleasant experience, despite any inadequacies on my part. Thank you first direct.

February 9, 2026
Unprompted review
Rated 5 out of 5 stars

Excellent bank

Excellent bank, you always get through to a person!
No press 1 for this and 2 for that, the call centre is in the UK and the people are always friendly and helpful.
The banking app is really easy to use and I like the security features.

February 6, 2026
Unprompted review
Rated 2 out of 5 stars

Nothing went wrong this time..

Nothing went wrong this time..
The Internet banking is superb.
I had my overdraft allowance reduced some time back.
And at the time, had been suffering mental health issues.
So as a result was incurring charges for a long while..
The chap at first direct knew! but,
recommended he'd reduce my ability to pay for bills.
But in a very polite and kind tone
I guess "my" timeless,
Spiritual Presence, the same as "your's",
brings Spangled fruit to fall ripe on trees...and renews all life in cycles..on Earth and throughout the Cosmos..So maybe I should put 2 stars? it don't really matter...in bird songs..
Peace.
Dave.

February 11, 2026
Unprompted review
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Reply from first direct

Hi Dave, thank you for your feedback. I'm really sorry to hear you had a negative experience with your overdraft being reduced. So we are able to investigate this further please give us a call anytime on 03456 100 267 (+44 113 234 5678 if you’re outside the UK) and we’ll be happy to help. -Tom

Rated 4 out of 5 stars

Pretty straight forward

Pretty straight forward. Took me a minute to get my head around the illustrations.

February 12, 2026
Unprompted review
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Reply from first direct

Hi Neil, thank you for your feedback. Hope you enjoy your stay with us! -Tom

Rated 1 out of 5 stars

Just as bad as the rest - security lapses, block moving away

First Direct blocked a switch to Nationwide giving the reason that I did not provide my debit card number . This is compulsory on application so First direct are liars, anything to block customer moves. They have not been in contact with me about it so switch failed. This is evidence that they also have a serious lack of security as a third party tried to access my account to switch but have not contacted me .

February 12, 2026
Unprompted review
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Reply from first direct

Hi Neal.

I'm really sorry to hear you've experienced those problems. So we can investigate further please either chat to us from our app (Using the 'Help' option), "Message Us" from the website, or call in on 03456 100 100 (+44 113 234 5678 from outside the UK). - Paul

Rated 5 out of 5 stars

Immediate action from the staff when I…

Immediate action from the staff when I called them regarding a suspected scam. Card stopped & new one issued to my Apple wallet for immediate use & new physical card put in the post.

February 5, 2026
Unprompted review
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Reply from first direct

Hi Sylvia.

It's lovely to hear that was dealt with promptly. Thanks for taking time to let us know, and leave a review. - Paul

Rated 5 out of 5 stars

There is nothing bad to say about First…

There is nothing bad to say about First Direct - they are marvellous.
There staff are always friendly and helpful and their on-line banking is so clear and easy to use - you can't go wrong, but it is so reassuring to know that there is always help available if needed.
I love First Direct, have been with them over 20 years and would never ever change banks.

February 12, 2026
Unprompted review
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Reply from first direct

Hi Cindy, thanks for taking the time to leave such a lovely review. We're really happy to hear that we've always been able to support you when needed and that you have found our online banking easy to use. Here's to another 20 years. -Christian

Rated 5 out of 5 stars

Had a problem trying to bank transfer…

Had a problem trying to bank transfer but was helped by an extremely patient adviser who talked me through the process. Would happily recommend First Direct chat service.

February 6, 2026
Unprompted review
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Reply from first direct

Hi Stephen, we're glad to hear that you found our chat service useful and that we could get the problem sorted. Thanks for taking the time leave your review. -Christian

Rated 5 out of 5 stars

Reconnected and online.

Messed up my login details and could not reconnect to mobile app. The customer srrvice person was really helpful and soon had me back up and connected. First class support, thank you.

February 12, 2026
Unprompted review
Rated 5 out of 5 stars

I’m incredibly satisfied baking with…

I’m incredibly satisfied baking with FD. I find the app excellent and use it daily. I find the support team brilliant and I am just starting to find the additional perks that I didn’t realise existed for me through the daily notifications that pop up whilst banking. I would not want to choose to have my main bank account anywhere else really.

February 12, 2026
Unprompted review
Rated 4 out of 5 stars

I had forgotten my password

I had forgotten my password but in the past it was simple but FD requested I call them, therefore numerous security questions etc etc and 20 mins of my life elapsed answering them. Surely this is not the norm for a password change?

February 6, 2026
Unprompted review
first direct logo

Reply from first direct

Hi David, and thanks for your feedback.

As we take security serious there can be occasions when it may take some time to verify you. - Paul

Rated 5 out of 5 stars

I GREAT BANK

I ALWAYS GET GOOD SERVICE WHEN I NEED IT GOOD ADVICE I HAVE BEEN WITH MY BANK MANY YEARS EASY TO GET THROGH TO I DO MISS MY TEXT MESSAGE SERVICE

February 3, 2026
Unprompted review

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