first direct Reviews 38,390

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 5 out of 5 stars

This is the bank that I have been looking for!

I had been loyal to my previous bank for over 30 years despite a number of issues. Then I'd had enough and, going by other customers reviews of First Direct, with a financial incentive and a decent savings account attached, I made the change.
The whole process was seamless with an excellent use of technology, easy to use even for a non-tech person like me. The accounts were set up, everything was swapped from the old bank with no problem. The incentive payment was swift; the regular savings account is automatically topped up and the layout of all the transactions past, present and future are all displayed clearly.
I only have one question remaining. Why didn't I do this a very long time ago?

17 April 2026
Unprompted review
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Reply from first direct

Hello Dan! Thanks for such a brilliant review. We’re really glad you made the switch and that the whole process felt seamless. It’s great to hear the tech’s been easy to use and transaction layout are clear and straightforward. Welcome to first direct, we’re pleased you’re here now! -Matt

Rated 5 out of 5 stars

Excellent online bank

Excellent online bank, very good app easy to navigate.rang them a couple of times with queries and was met with true professional help.and wasn't waiting for person to answer

9 April 2026
Unprompted review
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Reply from first direct

Hi Phil, thanks for taking the time to share this. We’re really pleased you’re finding the app easy to navigate, and that when you called with queries you got through quickly and were supported by a helpful, professional colleague. -Matt

Rated 1 out of 5 stars

I have banked with first direct for…

I have banked with first direct for years and it was fine. Now my bank account is frozen and I was treated like a criminal, when I rang up. Told I couldn’t be verified.
Thanks for the reply I rang twice today and I don’t wish to be treated that way ever again.
I wanted to complain and was told because I couldn’t be verified there is no way I could complain or speak to anyone else.
I also sent two emails no reply.

20 April 2026
Unprompted review
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Reply from first direct

Hi Nerys, we're really sorry to hear about your experience and I completely understand your frustration. We would love the opportunity to look into this further for you, please give us a call on 03456 100 100, so we can get things resolved. -Abi

Rated 1 out of 5 stars

Got refused opening account that I…

Got refused opening account that I wanted to use for savings what a bunch of snobs

20 April 2026
Unprompted review
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Reply from first direct

Hi Raymond, I'm sorry to hear that your application wasn't successful. If you would like to discuss this further or explore alternative options please give us a call on 03456 100 100, and we'll be happy to look into it for you. -Abi

Rated 1 out of 5 stars

Joke of a bank

Joke of a bank
Never been over CC limit and suddenly they halve it
I used my O/D and I get calls saying they are here to help me get free of the overdraft, again never went over it
I’m done with them

20 April 2026
Unprompted review
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Reply from first direct

Hi, I'm very sorry for the issues you have experienced, and thank you for bringing this to our attention. I will feed this back to the relevant teams. Thanks -DJ

Rated 1 out of 5 stars

This is a message for Lauren who…

This is a message for Lauren who responded when I made a complaint

I was not allowed access to the number you gave me 0345 100 100 so unfortunately have been unable to talk to you
Maureen Durrant

10 April 2026
Unprompted review
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Reply from first direct

Hi Maureen, I'm really sorry that you've not been able to use 03456 100 100. Please try +44 113 234 5678. Thanks -DJ

Rated 5 out of 5 stars

Change to First Direct

Recently transferred my bank account to First Direct Very efficient and straight forward, it was an easy and problem free transaction. I like their app too, simple to use and does everything I need it to do. I also received an added bonus amount just for joining them which was paid promptly into my account once all conditions had been fulfilled. So glad I made this change.

20 April 2026
Unprompted review
Rated 5 out of 5 stars

Still excellent I had a problem with my…

Still
excellent I had a problem with my private pension credit did not show the amount was correct but the credit did not show I've strength on chat and within seven minutes it was updated and corrected thank you unlike sky who have now moved abroad to call centres in India Pakistan South Africa and nearly impossible to talk to anybody in England so First Direct Steel stay loyal to customers in the UK thank you

20 April 2026
Unprompted review
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Reply from first direct

Hi Gray, thanks for taking the time to leave this review.
Really glad we could get your pension credit showing correctly so quickly, getting it sorted in seven minutes is exactly how it should be.
Thanks for sticking with us. We’ll keep doing what we do best: being easy to reach and getting things fixed without the faff. -Laura

Rated 5 out of 5 stars

Best Bank in the Country

The experience is not just one date. I have been using First Direct since my first job, I am 78. (Used to be Midland Bank). I have never had a problem but if I need someone to talk with the person on the other end is quick to answer my call, supportive, generous with their time, understanding and efficient. I always come away from the phone totally confident having used their service.

19 April 2026
Unprompted review
Rated 5 out of 5 stars

Great customer service

I've been with First Direct for years and their customer service is fantastic. I've never had to wait ridiculous amounts of time holding when i call them and the Agents are always really knowledgeable and helpful. I called them recently to close a couple of accounts i no longer use and it was the same great experience.

14 April 2026
Unprompted review
Rated 5 out of 5 stars

The app works great for me 👍🏻

17 April 2026
Unprompted review
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Reply from first direct

Hi there. I'm glad to hear our app works well for you. We work hard to make sure our app allows our customers to take control of their own banking. Thanks for taking the time to review us today. -Sean

Rated 5 out of 5 stars

Amazing customer service

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 this has been my experience every single time I have telephoned for assistance with anything relating to my account. I can honestly say that I can’t recommend them highly enough.

13 April 2026
Unprompted review
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Reply from first direct

Hi Elizabeth. I'm so happy to hear you've had such great service whenever you've got in touch. Thanks for taking the time to review us today! -Sean

Rated 5 out of 5 stars

Staff were very helpful and…

Staff were very helpful and understanding and I am very grateful for the continued support my First Direct Bank offers me , Thankyou 🙏

19 April 2026
Unprompted review
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Reply from first direct

Hi Charmaine, thank you for the amazing review. I am so glad we were able to assist you, and you felt supported by us. We will be here 24/7 if you need us. Thanks -Leanne

Rated 5 out of 5 stars

Sometimes simple is best

Good to see a bank that has a simple App. Easy to get into- no counting on your fingers which letter is character 7. This has a simple 6 digit number code to input and you're in!
Been with a few banks and they hit you with everything in their Apps that it gives me a migraine. Only had a small issue back at the beginning that was dealt with quickly, so can't speak much about customer service. Through looking at reviews though, it rates as one of the highest rated banks for customer service. Great switching offer too that's been on for a long time. Would highly recommend.

17 April 2026
Unprompted review
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Reply from first direct

Hi David, thank you for your kind words and your amazing review! We like to keep things as simple as we can here whilst remaining compliant and looking after you in the way you deserve. It's great to hear this is working well for you. - Adam

Rated 5 out of 5 stars

First Class

I moved my account to First Direct after receiving bad service from the Royal Bank of Scotland. During my time banking with First Direct I have found the service to be first class. I was recently scammed and First Direct listened with care and provided a way forward.

1 April 2026
Unprompted review
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Reply from first direct

Hi Alexandra, thank you so much for your lovely five star review. I am really sorry to hear of the reason you had to test our services recently but am equally pleased that my colleagues looked after you in the right way. Hopefully this will never happen again to you but if you do need us, for this or any other reason, we are only at the end of the phone or messages 24/7, 365 days a year. - Adam

Rated 5 out of 5 stars

I have been with many different banks…

I have been with many different banks ove the years, but not one compares with first direct. UK based staff who are knowledgeable, helpful and friendly and sort the issue out quickly. Its just like phoning a friend, in my experience. This is one bank I will never leave!

2 April 2026
Unprompted review

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