first direct Reviews 38,395

TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their extensive knowledge, helpfulness, and professional approach, making every interaction pleasant and efficient. The customer service is frequently highlighted as exceptional, with many people appreciating the personalized and understanding support they receive. The overall service is often described as excellent, with consumers noting the efficiency and ease of their banking experience, including a straightforward online platform. However, some customers also noted occasional issues, particularly concerning payment processes and account opening. A few people mentioned difficulties with setting up credit card payments or experienced unexplained rejections when trying to open a new account. There were also isolated reports of delays in receiving funds after cheque deposits and some dissatisfaction with the online messaging service.

What people talk about most

Customer service

Users describe positive interactions with customer service. Many customers consistently praise the... See more

Staff

Consumers consistently report positive experiences with staff, highlighting their helpfulness, patience, and... See more

Service

Clients share positive opinions on service, consistently praising its efficiency and promptness. Many... See more

User experience

Customers consistently note positive experiences with user experience. Many reviewers praise the ease of use... See more

Payment

Reviewers mention ambiguous feedback about payment. Some customers report positive experiences, such as quick... See more

Reviews shaping this summary

Rated 5 out of 5 stars

What makes this bank great it’s that everyone you speak to is knowledgeable, understanding and helpful. All queries are handled professionally and with upmost respect- whatever time of day or night yo... See more

Company replied

Rated 5 out of 5 stars

A simple switch process and brilliant customer services so far; We like the App and are happy with savings, credit card and our other account. We switched 2 months ago and have just been given our £17... See more

Company replied

Rated 5 out of 5 stars

Switching my account was seamless, excellent switch offer. Phone support which I used and had great customer service experience. Very good rates on savings account. Very good app. Clean and functional... See more

Company replied

Rated 5 out of 5 stars

Amazing customer service. Straight through to a friendly and helpful First Direct staff member within minutes. My query was answered quickly and efficiently. I’ve been with this bank for 3 decades and... See more

Company replied


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

38K reviews

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Replied to 90% of negative reviews

Typically replies within 24 hours

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Rated 3 out of 5 stars

Good and Bad

On plus side the app is easy to understand and navigate around. On the negative it seems to take a long time to process payments from external companies into your account. Sometimes up to 3 days from them making payment where as another bank can process immediately or the sane day

27 April 2026
Unprompted review
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Reply from first direct

Hi Phil, Thanks for the feedback! It's great that to hear that you find the app easy and straightforward to navigate. Regarding the payment, I’m sorry it’s taken longer than you expected. The timing can depend on a few things and in some cases payments can take up to 3 days to arrive. Please give us a call if you need any further information. -Abi

Rated 5 out of 5 stars

The app is easy to use

The app is easy to use and functions very well

27 April 2026
Unprompted review
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Reply from first direct

Thanks for your feedback James! We're delighted to hear that you're enjoying our app. -Abi

Rated 2 out of 5 stars

Signing up is very confusing

Signing up is very confusing. Not clear how you log in once your account is set up. You get an email to say that your account is ready to use, but you still have to wait for things to arrive in the post before you can use it. Customer service could have been a bit more friendly.

27 April 2026
Unprompted review
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Reply from first direct

Hi Antonio, thanks for taking the time to share your feedback. I'm sorry to hear that you found the process confusing and I will be sure to pass this onto the relevant department. If you have any questions regarding your account please get in touch. -Abi

Rated 5 out of 5 stars

Smooth experience when switching devices

I've been with first direct since the late 90s and used their app once they released it. It's been generally good and haven't faced any issues for several years. Security is tight and transferring to another device is smooth with the QR code.

26 April 2026
Unprompted review
Rated 5 out of 5 stars

I needed to make contact by phone and…

I needed to make contact by phone and was very pleased with your service. Prompt reply directly with a person who was polite,knowledgeable and very helpful.
It was refreshing to not be faced with an automated system offering numerous options after a lengthy queue.
It was also good to receive a paper statement.

26 March 2026
Unprompted review
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Reply from first direct

Hi Adrian, thanks for taking the time to leave us your lovely review. Really great to hear we were here for you when needed. Hope you enjoy the rest of your weekend. -Nola

Rated 5 out of 5 stars

Excellent straightforward helpful…

Excellent straightforward helpful friendly staff today when I called to renew my mortgage. Thank you.

25 April 2026
Unprompted review
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Reply from first direct

HI Harriet, I'm happy we could help and even happier to hear how straightforward the renewal process went. Thank you for an amazing review! Thanks -Lorraine

Rated 5 out of 5 stars

A near lifetime of good service

My wife and I opened our account with First Direct in 1989 and we have had faultless service from the bank for the whole 37 years.

We are both in our nineties now, not very computer literate and find the telephone banking, which was the original purpose of the bank has been a blessing, there is no endless button pushing, just the ability to chat almost immediately to a sensible member of the very helpful staff.

We simply want say thank you to First Direct for all these years of such good service.

Ernie &Joan Grinham.

4 April 2026
Unprompted review
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Reply from first direct

Hi Ernie, thank you for yours and Joan's support. Its excellent customers like you both that make us feel like the luckiest bank around. 37 years is an amazing achievement, here's to many more years together! Thanks -Lorraine

Rated 5 out of 5 stars

Easy banking

I have been with FD for longer than I can remember and whenever I have had to talk to banking staff they are always polite and will help in as many ways as they can. As for the banking app I use my PC for everything as I find it easier than fiddling with a phone. Easy to transfer money from one account to another, easy to pay bills especially if you have recipients sort code and account number. The only time I visit an actual bank is to pay in a cheque or to use an ATM. My wife banks with another bank via mobile phone - what a nightmare - one mistake and you are locked out then have to go through a thousand questions just to get to your cash! First Direct should be your First Choice!

25 April 2026
Unprompted review
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Reply from first direct

Hi David, thank you for giving us such a positive review. We always like to see that our colleagues have been providing the brilliant level of service our customers have come to expect from us. I like the sound of "First Direct should be your First Choice." I'll definitely pass that one on to our marketing team. -Christian

Rated 5 out of 5 stars

Fixed rate ending

Really good experience with Louise when our fixed rate was ending. Adviser was very helpful in explaining our choices to ensure we did not make an error. Would highly recommend.

22 April 2026
Unprompted review
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Reply from first direct

Hi William, we're really happy to hear that Louise was able to support you when your fixed rate was coming to an end. We really appreciate you taking the time to leave such a positive review. -Christian

Rated 1 out of 5 stars

I’ve been trying to open a new First…

I’ve been trying to open a new First Direct account for over a month now. I’ve attempted to register multiple times, but the system never lets me complete the process. I also tried contacting customer service, but it’s nearly impossible if you’re not already a customer. I didn’t get any response on social media either. Overall, it hasn’t been a great first experience from my side.

1 April 2026
Unprompted review
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Reply from first direct

Hi Dilara, I'm really sorry to hear you have struggled to get registered for the online account, and that you are still awaiting a response from your Social media post. Our Digital Support team would be happy to help get this resolved for you on 03456 100 234. -Helen

Rated 5 out of 5 stars

No AI, talk “Direct” to a uk based human

Contacting First Direct is always an easy and pleasant experience, from speeding through security with voice recognition to getting your questions answered efficiently and in full. Compare this to the endless AI interrogation and redirection of other banking services I have used, I would take First Direct every time.

20 April 2026
Unprompted review
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Reply from first direct

Hi Steve, thank you for this fantastic review, and we agree we love that our bank is still known for the human touch. -Helen

Rated 5 out of 5 stars

Customer service.

Really quick respond. Very helpful staff. I managed to sort my problem with no time.

15 April 2026
Unprompted review
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Reply from first direct

Hi Kinga, thank you for taking the time to share your experience with us, it makes everything we do worth it. It is great to hear we managed to sort your problem quickly. Have a lovely weekend. - Rachel

Rated 1 out of 5 stars

Helen

Helen, the pin still hasn't turned up. 2 weeks plus and counting now. I do not want to use the App, or are you forcing customers to do this now? Looks like you are. Why is this?

23 April 2026
Unprompted review
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Reply from first direct

Hi, I'm sorry to hear the PIN has not turned up. No, we aren't pushing customers to use the app, this was mentioned in case you did have the app and weren't aware of this function. If you would like to discuss this further, please give us a call on 03 456 100 100 (if calling outside the UK +44 113 234 5678.) We would love for you to be able to use your card. Thanks -Lorraine

Rated 5 out of 5 stars

First class service

First class service, good communication and promptly sorted out the issue.

17 April 2026
Unprompted review
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Reply from first direct

Hi Peter, we really appreciate the first-class review. I am so pleased to hear we were able to resolve the issue you were facing when you contacted us. We will be here whenever you need us. Thank you -Nicola

Rated 5 out of 5 stars

No Stupid Questions

I was confused, then I talked to a friendly human, and then I wasn't confused. Smiles all round.

17 April 2026
Unprompted review
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Reply from first direct

Hi Andrew, we are happy to hear that we made you smile! Thank you for taking the time to leave your review. We appreciate it. -Jo

Rated 5 out of 5 stars

The advisor I spoke to was polite

The advisor I spoke to was polite, helpful and knowledgeable. This meant I was able to make a good decision based on the facts I was given. I was then able to complete the transaction I wanted.

20 April 2026
Unprompted review
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Reply from first direct

Hi Claudia, thank you for the 5-star review. -Lauren

Rated 5 out of 5 stars

Excellent staff

Excellent staff. Friendly, informed. Quick and easy process. Highly recommend.

24 April 2026
Unprompted review
first direct logo

Reply from first direct

Hi Adam, thank you for the 5-star review, your recommendation means the world to us. -Lauren

Rated 5 out of 5 stars

Fk Santander!

I can’t begin to express how much I prefer FD from Santander! It’s like night and day. Not only better but they have me £175 to switch!
5 ⭐️’s

24 April 2026
Unprompted review
Rated 5 out of 5 stars

Been a customer for about 8 years

Been a customer for about 8 years, for a current account and mortgage. I’ve always experienced excellent customer service. You can use a HSBC branch to deposit cheques or use the banking application.

24 April 2026
Unprompted review
first direct logo

Reply from first direct

Hi Andrew, thank you for leaving this lovely review and for staying with us for 8 years! It's great to hear that we've always been able to provide you with excellent customer service. -Lauren

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