first direct Reviews 

42,870
•
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 10,095 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the exceptionally friendly support team for answering telephone calls promptly and offering clear, reassuring guidance whenever assistance is needed. People consistently mention that the mobile banking application is remarkably straightforward to use, making everyday financial management completely seamless and worry-free. Users emphasize that reaching a human being on the phone is always fast and reliable compared to automated systems elsewhere. Some reviewers were not happy with occasional application access failures, unexpected login errors, and being transferred multiple times during difficult support calls. Consumers additionally noted frustrating difficulties regarding strict identity verification processes and sudden security blocks placed on their personal accounts.

What people talk about most

Customer service

Clients share positive opinions on customer service, highlighting that calls are answered quickly by helpful... See more

Staff

Customers had positive experiences with staff, frequently highlighting that phone calls are answered quickly... See more

Service

Reviewers highlight positive aspects of service, noting that staff members are exceptional, helpful, and... See more

User experience

Consumers find user experience to be positive, highlighting that the banking app and website are... See more

Application

People report positive experiences with application, describing it as customer friendly, easy to use, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

FD customer for longer than I can remember, customer support has always been first class. Calls answered quickly, call handling system is pretty good, invariably friendly UK call handlers....this is t... See more

Company replied

Rated 5 out of 5 stars

After quite a few poor experiences with our bank, we decided enough was enough. Martin Lewis rated First direct for customer service, so we went with that. The banking switch went perfectly, First... See more

Company replied

Rated 5 out of 5 stars

Having compromised my debit card, I needed to make sure it could not be used by scammers. The man who dealt with me was calm, confident, understanding, spoke in clear English, and sorted the matter ou... See more

Company replied

Rated 5 out of 5 stars

The most helpful customer service staff In the banking section. Always helpful, polite and knowledgeable about their products. Savings rates have got more competitive in recent years. I've been w... 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

43k reviews

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No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 92% of negative reviews

Typically replies within 24 hours

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4.5

All reviews

(42,870)

9,769 reviews in the last 12 months

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Rated 5 out of 5 stars

Without doubt the best bank l have been…

Without doubt the best bank l have been with. Customer service is first class. Should you need to speak on the telephone three rings and you are speaking to a person not an answer machine . Nothing is too much trouble
Very helpful staff . The App is very easy to use and very safe. I originally switched for the bonus but have stayed due to the first class customer service

17 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi Keith.
Thank you for your wonderful feedback. We’re delighted you’re enjoying our friendly customer service, easy-to-use app and quick access to our team. It’s fantastic to hear that what began with a switch bonus has become a lasting relationship. - Paul

Rated 5 out of 5 stars

Safe Reliable Service

This app is easy to use. It is very picky about security in general but also in ensuring the phone OS is secure. I have been using this app both in UK and abroad and it offers a reliable service to manage income and expenditure wherever I happen to be.

17 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi John, and thank you for your feedback. We’re glad you find the app easy to use, secure and reliable. - Paul

Rated 5 out of 5 stars

I never really need to speak to First…

I never really need to speak to First Direct, which probably tells you everything you need to know about them. It just works; by far the best Bank I have been with, by some margin, and when I do need to speak to them, on those occasions I instantly get through to a human who just tells me what to do, which seems rare in today's world, so I wanted to praise a company that upholds that behaviour.

17 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi there Rob. It's great to hear that you've always had a smooth experience here and that you think so highly of us. Thank you for your amazing review! -Emmanuel

Rated 4 out of 5 stars

Usually just works

Usually just works. Move money, between accounts, pay bills... very rarely any problems.

Except chat is frequently a pain to find or load.

16 October 2026
Unprompted review
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Reply from first direct

Hi Rob, Sorry to hear you are having issues with our chat service. Please call us anytime on 03456 100 100, so we are able to look into it and ensure it is working correctly. Thank you for your Review. -Tom

Rated 5 out of 5 stars

Perfect Switch

I made the switch from a major high street bank.
The switch was easy, FD staff so very helpful, experienced and knowledgeable. And! No waiting, fastest response I have ever experienced. I strongly recommend First Direct. Perfect.

10 September 2026
Unprompted review
Rated 4 out of 5 stars

Normally a great website

Normally a great website. Unfortunately the payment section has not worked for the past few days so cannot send money out of the UK.

16 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi Duncan, we're sorry to hear you've had problems making payments. Please give us a call on 03456 100 100, and we'll be happy to help. - Christina

Rated 5 out of 5 stars

Had mortgage with FD for 12 years

Had mortgage with FD for 12 years. Always great experience. Can talk to knowledgeable, helpful people in the UK rather than doing battle with a bot.

16 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi there Emily! Thanks for being with us for 12 years, that’s brilliant to hear. Really glad you’ve had a great experience and that you’ve been able to speak to knowledgeable, helpful people (no bot battles required). -Matt

Rated 5 out of 5 stars

Always great service

Always professional, friendly, helpful
Great customer service, wouldn’t bank anywhere else

15 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi there Nichola! Love hearing you’ve always found us professional, friendly, and helpful, that’s exactly what we aim for. Thanks for sticking with us, and for saying you wouldn’t bank anywhere else -Matt

Rated 5 out of 5 stars

Just the best customer experience

Despite a small snafu getting cut-off mid phone call, both team members provided the same excellent service I’ve come to expect from FD. Thanks team, keep up the great work!!!

12 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi Julie, thank you for your lovely review and kind words about our colleagues. I am thrilled to hear you received excellent service from both colleagues and long may it continue! As I'm sure you know, we're here 24/7 to help you whenever you need us. - Adam

Rated 5 out of 5 stars

Best Customer Service Team

I lost my debit card but First Direct Customer Service contacted me in super fast time and arranged a replacement immediately for my digital card with the physical card arriving a couple of days after. It was made so easy by the brilliant systems First Direct have in place but it is backed by a brilliant Customer Service team who were so helpful. I have been with FD for over 30 years and never had a problem. A brilliant on line bank with the best customer service for a reason.

10 October 2026
Unprompted review
Rated 1 out of 5 stars

Poor service and slow remedy

A recent fraudulent transaction on my account resulted in no immediate action from First Direct despite reporting the problem to the fraud dept on the same day.
4 days later still no action, so a further 45 minute phone call and no recollection of the monday conversation, despite all calls being 'allegedly' recorded.
Now have to wait 60 days for an investigation to recover lost money.
Useless to say the least, try Nationwide.

15 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi Ken, sorry to hear you had such a negative experience when dealing with our fraud team. This isn't up to our usual standards. Please call us on 03456 100 100, so we are able to look into this further for you. -Tom

Rated 5 out of 5 stars

very good quality services at the…

very good quality services at the highest level. friendly professionally services. very good in resolving issues affecting customers transaction, I was scammed by a ticket agents and my money was given back.

HI Tom, Thanks Tom for your response.

I would also like to say that the service I have received from First Direct has been excellent. Since switching my current account to First Direct, I have never regretted my decision. The customer service has been consistently professional, helpful, and efficient.

I am also looking forward to exploring the possibility of switching my mortgage to First Direct in the coming months, should you be able to offer me a competitive deal that meets my needs.

12 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi, glad we were able to help you get your money back. Feedback like this is what we strive for! -Tom

Rated 1 out of 5 stars

Long wait time trying to open an account

After Martin Lewis savings reviews decided to open an account using FD app. Computer said no. V surprised as I have 'Excellent' credit ratings.
Rang them, redirected to a dedicated line.
Ivory answered, and went off to 'find my details' (presumably from my rejected application).
Waited 15 mins then rang off.
FD not up to reputation. What went wrong?
Willing to give it one more go, but only one.

15 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi Neil, sorry to hear that you had negative experience with opening an account with us. Our account opening team individually checks every application on a case by case basis, but I understand your disappointment on your application being denied. Please call our accounts team on 03456 00 24 24. They are available Monday to Friday 8am to 8pm. Saturday 9am to 6pm and Sunday 10am to 6pm. -Tom

Rated 1 out of 5 stars

First Direct Perks - how about better savings interest rates instead

First Direct Perks - LOL that's laughable really. There is never any perks left by the time you get logged in.

A complete and utter waste of my time. First Direct would be far better offering better interest rates on their savings accounts. Your interest rates on your saving accounts and ISA's are truly bottom of the pile.

Increased customer only savings interest rates would be far better than the current waste of time perks.

15 October 2026
Unprompted review
first direct logo

Reply from first direct

Hi JM, sorry to hear that the first direct perks and savings rates are not up to your expectations. We are always working to improve the services and accounts we offer whenever possible. Thank you for your review and feedback. -Tom

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