first direct Reviews 33,141

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 consistently praise the excellent service provided by First Direct, highlighting the helpfulness, politeness, and efficiency of the staff. Consumers appreciate the ease of online banking and the readily available support via phone, with many noting the ability to speak to a real person without long waits. People value the human touch and personalized assistance they receive, especially when resolving issues or needing guidance. The consensus is that First Direct offers a hassle-free banking experience with a strong emphasis on customer satisfaction. However, some reviewers express mixed feelings about the app and payment processes, indicating a need for improvement in these areas. Despite these concerns, the overall sentiment remains highly positive, with many long-term customers expressing unwavering loyalty due to the exceptional service they have received over the years.

Based on these reviews

Rated 5 out of 5 stars

I was in Bulgaria trying to pick up a hire car late at night, after a long flight, and my card suddenly declined for security reasons. I was exhausted, stressed, and worried I’d be stranded. I ca... See more

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Rated 5 out of 5 stars

Great customer service from first direct. Trying to pay a large deposit via my card to a plumbing company the payment failed twice. I obviously knew funds were available. Contacted first direct who... See more

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Rated 5 out of 5 stars
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I was with my previous bank for over 50 years but felt I was not getting good customer service - the decision to choose first direct was very obvious from all the reviews and recommendations, particul... See more

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Rated 5 out of 5 stars
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I have been with First Direct for many, many years. I have never encountered a problem with the service provided. In fact being able to speak to an actual human being instead of having to go through u... See more

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Rated 3 out of 5 stars
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Customer service is generally good or excellent. But their tech is old. You can't search through your complete history of transactions, you can't easily download a copy of all your statements, you can... See more

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Rated 5 out of 5 stars
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I left RBofS decades ago to First Direct, best move I ever made. I don't have to co tact them very often but every time I have they answer quickly, friendy and professional, any issue I had (mostly... See more

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Rated 5 out of 5 stars
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Generally having a good experience with FD. I moved to them after many years with Barclays who were disappointing me. I recently had my first query at FD when I needed to delete a direct debit about t... See more

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Rated 5 out of 5 stars

We have been with first direct for 5 years now. They offer personal human beings to talk to, they are always polite, professional and absolutely so helpful and they have always sorted out all our pr... See more

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Rated 5 out of 5 stars
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I've been really happy with my banking service since I swapped to First Direct - I love their clear, easy & no nonsense approach with their range of accounts/services. However, they really came into... See more

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Rated 4 out of 5 stars
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I would have given First Direct 5 stars except for one important thing. When I look at my account I can't always remember what a sum was paid for. The extremely brief information on the site is not... See more

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Rated 5 out of 5 stars
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My wife and I have had a joint account with First Direct for almost 35 years. Found the online banking easy to use, help is available when required both online and by phone, the latter 24/7. If we hav... See more

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Rated 5 out of 5 stars
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I have been a customer of First Direct for many years after being with several other High St banks. I would highly recomend them them to anyone for hassle free banking. On the rare occasions when i... See more

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Rated 5 out of 5 stars
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My call was answered almost immediately and I was passed on the a very helpful and patient man who spent a long time unraveling my problem installing the banking app on my new phone. He really knew h... See more

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Rated 5 out of 5 stars
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I cannot remember the name of the agent i spoke to but she was very patient and did not rush me at all while going through the process of setting up new passwords. Their system seems extremely secure,... See more

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Rated 5 out of 5 stars
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My wife and I have banked with first direct for many years and have found the service to be excellent.It’s comforting to know that you can speak to someone who can deal with a problem,however trivia... See more

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Rated 5 out of 5 stars

First Direct Customer Service and Fraud Team have been exceptional. I was entrenched in a romance scam, but only realised this after their team stopped a payment going through and raised the alarm. It... See more

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Rated 5 out of 5 stars
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I’ve banked with First Direct for years due to their exceptional business model. They are always available for advice and help especially with fee paying apps and internet payments. Cannot rate them h... See more

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Rated 4 out of 5 stars
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I changed my account to First direct in 1994 for the phone banking and free overdraft. They have always been helpful and straightforward The only reason it's 4 stars is because I couldn't transfer mo... See more

Rated 5 out of 5 stars

Amazing company. Have been with this bank for over 8 years now and would never change. Customer service is fantastic, have never had to wait and their advisors are always so friendly. Had to call toda... See more

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Rated 5 out of 5 stars
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Always 100% professional, very quick to answer calls, never have to wait whatever the time of day. Nothing is too much trouble however big or small. I have banked with First Direct for over 20 years... See more

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Rated 5 out of 5 stars
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Banking online is easy and straightforward but as important is the help that is offered . Requests are answered and then any follow up action is explained well Highly recommend as age 70+ customer o... See more

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Rated 5 out of 5 stars
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I've been with First Direct for almost 30 years and have always been happy with the services offered. Customer support is excellent, with a 'real human' always available - even once on Christmas Day -... See more

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Rated 5 out of 5 stars
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I have been with First Direct bank for many years and have been more than pleased with their help in all ways. Their on line banking is so easy and straight forward to use and to understand. If I have... See more

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Rated 5 out of 5 stars
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I was chasing a payment into my account T or at least obtaining a short term loan to cover it whilst buying a car and the person I spoke to was friendly and helpful and was able to confirm the payment... See more

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Rated 5 out of 5 stars
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I am very glad I went with First Direct. Every interaction I have experienced with them has been efficient - you are not left hanging on for ages with some inane music playing in your ear, and you ge... See more

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Rated 5 out of 5 stars
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Every time I have had to contact FD their customer service is not only excellent, but you don't have to wait long for them to answer. The lady I spoke to was very thorough and repeated certain things... See more

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Rated 5 out of 5 stars
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Great customer service. Always answer really quickly and make sure that they have answered all your queries. They are really helpful and always go that extra mile to help. They never fob you off or... See more

Rated 5 out of 5 stars
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What an excellent team. I had made an error on calculating my Visa balance, due to movements just around the balance date and they were so helpful and patient in sorting my problem. So refreshing in t... See more

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Rated 4 out of 5 stars
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My phone was stolen abroad and First Direct were the most sympathetic and efficient of the financial companies I have accounts with in dealing with it. Luckily I had my cards in my possession and I do... See more

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Rated 5 out of 5 stars
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I’m a bit of a dinosaur when it comes to computers !! The gentleman who took my call was just that “ a true gentleman “ he was extremely patient and polite with me and nothing was too much trouble . I... See more

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Rated 3 out of 5 stars
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App is terrible compared with HSBC very basic No bills tracker function Cannot transfer money easily into saver account although it is with first direct

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Rated 5 out of 5 stars
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I recently had a problem with a fraudulent payment on my debit card. The people I spoke to at First Direct, in both the fraud and disputes teams, were all sympathetic, practical and helpful at a time... See more

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Rated 5 out of 5 stars
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I have been with First Direct for 20+ years now and have always found the service fantastic, so rare these days with large corporations. The call centre teams have always been clear,helpful and effici... See more

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Rated 5 out of 5 stars
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I find that , if I need to talk, connecting to a person to talk to is very straightforward. Safety procedures are reassuring and staff are so helpful. First Direct is an excellent bank that I can t... See more

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Rated 5 out of 5 stars
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Been with FirstDirect more than 20 years. This was one of the odd occasions that I could not fix my issue though the excellent app. Call was answered properly and my issue with a missing payee was re... See more

Rated 5 out of 5 stars
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I have been banking with FD for years and years and would never dream of changing. The staff are super efficient, extremely helpful and patient. It is so helpful that access is available all the tim... See more

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Rated 5 out of 5 stars
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I moved to banking with First Direct after have customer service issues with RBS. I had been with RBS for 20 years so I was very nervous to move but First Direct have been brilliant. Easy to use app a... See more

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Rated 5 out of 5 stars
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Lots of information and contact- being able to speak to an actual person who I can understand available 24 hours is a great plus -and your people are very helpful…, Caroline

Rated 4 out of 5 stars
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i have been banking with First Direct for many years, i can honestly say that i have never had any issues. The telephone banking staff are extremly helpful and polite. So keep up the good work.

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Rated 5 out of 5 stars
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I always get an immediate response from a real person to any call. They are courteous and helpful and I have never been left thinking I am no wiser and have wasted my time.

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Rated 3 out of 5 stars
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I had a regular saver with FD. 7% interest which is great. However, on maturity the interest was addd to the account but it remained a regular saver, BUT the interest rate dropped to 1.34% which i... See more

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Rated 5 out of 5 stars
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Actually got help from a person and it worked....an online bank has the best personal service....should have joined years ago....used to be with Santander for over 30 years, they never did anything fo... See more

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Rated 5 out of 5 stars

I've been with First Direct for about 25 years. I have had exceptional service over this time and recommend them to everyone. I have listened to how difficult it is for close loved ones to speak... See more

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Rated 5 out of 5 stars
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I love first direct. I can access everything on the mobile app. I can arrange a loan in minutes . I can access all my accounts. If I need to call them, which is unusual, I speak to a Britsh person . A... See more

Rated 5 out of 5 stars
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The staff are very knowledgeable & helpful. I came with what I thought was a problem but they were able to advise right away and set my mind at ease. I have been banking with First Direct for almost 3... See more

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Rated 5 out of 5 stars

Switching to First Direct was hassle-free. The £175 switching bonus was a nice-to-have extra. I test drove the account for a couple of weeks before switching. They're very easy to talk to and the bank... See more

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Rated 5 out of 5 stars
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Have banked with First Direct for 20 plus years - first class service - will sort our any problems that pop up.

Rated 5 out of 5 stars
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I find the banking procedures easy to understand, and am very happy with the services provided by First Direct.

Rated 5 out of 5 stars
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Brilliant! Apart from an early negative experience whilst trying to rectify some enrolment issues with a customer service advisor, every other aspect of the customer service has been fantastic. Kept i... See more

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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

33K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 89% of negative reviews

Typically replies within 24 hours


Rated 5 out of 5 stars
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friendly

friendly helpful staff 10 out of 10

27 October 2025
Unprompted review
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Reply from first direct

Hi Ian, thank you for taking the time to leave us a review. I'm happy to hear you've found our staff so helpful, we will keep aiming for 10/10! - Calam

Rated 5 out of 5 stars
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A fantastic bank

A fantastic bank. Staff always helpful and provide a first class service

30 October 2025
Unprompted review
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Reply from first direct

Hi Peter, thank you for taking the time to leave us a review. It's excellent to hear you are enjoying banking with us! - Calam

Rated 4 out of 5 stars
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Why the extra step when paying?

First Direct has always been a slick operation, be it as a pioneer of telephone banking or later app/online.

Sadly the recent changes to the app have introduced some extra clicks to the online
payments process which diminish that seamless process - UK/foreign payee? - so I have to withhold tbe fifth star.

But it's still pretty good by UK banking sector standards.

30 October 2025
Unprompted review
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Reply from first direct

Hi there, thank you for taking the time to leave us a review. It's great to hear you've been enjoying our services! I'll pass along your feedback about the payment process. If you need any assitance just give us a ring. - Calam

Rated 5 out of 5 stars
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I've been a customer for a number years of…

I've been a customer for a number of years really good service day & night Going abroad I've informed them where I was going and had no problems in other countries In this time of increases in fraud I get informed right away of any withdrawals and monies being paid in ,paying in cheques a photo required so easy Keep up the great service No complaints here first direct banking

30 October 2025
Unprompted review
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Reply from first direct

Hi there, thank you for taking the time to leave us a review. It's excellent to hear you've been enjoying our services for years! The App is definitely helpful for your banking needs like a cheque. If you ever need some assitance don't hesitate to reach out! - Calam

Rated 5 out of 5 stars
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Very easy to do almost everything I…

Very easy to do almost everything I want to do with my bank and, if something is more complex, their phone service is good. A good piece of software making up the whole banking service.

30 October 2025
Unprompted review
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Reply from first direct

Hi David, thank you for taking the time to leave us a review. It's excellent to hear you are enjoying the digital banking and telephone service. If you need any assitance don't hesitate to use our chat function or just give us a ring! - Calam

Rated 1 out of 5 stars

Normally good, recently bad

I have been using First Direct for over 30 years, I've recommended them to numerous friends and family and they truly earned a 5 star rating.

Today I'm giving them a 1 star rating. Both my wife and I have First Direct credit cards, they look pretty much identical but they are categorised differently. Mine is a "Classic" card and these are being retired in favour of standard cards which look identical.

I received notification well in advance that my card would be replaced and the new card would arrive when I'm out of the country. With subsequent investigation I learned that the old card will be cancelled before I return.

To me the solution should be simple, cancel the old account ASAP, issue me a new card that will continue to work. I've been trying to get this done for some weeks now and haven't yet managed to get the old account cancelled. They issued me a new card but it's on the same classic card account so it will also stop working.

If you were to add up all the time I've spent on the phone over this it probably exceeds 3 hours of my time and 3 of theirs, the most recent call lasted 50 minutes.

For the team who planned this project, do you think keel hauling would be too severe ?

30 October 2025
Unprompted review
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Reply from first direct

Hi Vince, thanks for taking the time to leave us a review. I'm sorry to hear you've had a bad experiance with the demise of the Classic card, It's not what you've come to expect from us. If you would like to discuss anything further please don't hesitate to give us a call on 03 456 100 100. - Calam

Rated 5 out of 5 stars
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Payment error

I made a mistake regarding a payment. Advisor was so helpful, sorted everything out quickly and efficiently. First Direct's customer service is always excellent.

27 October 2025
Unprompted review
Rated 5 out of 5 stars
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My card was declined because the fraud…

My card was declined because the fraud team was monitoring my spend it was just a precaution and was soon sorted card unlocked and back to normal after a phone call the fraud team explained why to my satisfaction

30 October 2025
Unprompted review
Rated 4 out of 5 stars
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Call centre staff are excellent

Call centre staff are excellent , knowledgable and very helpful. The FD app is pretty basic which is ok for balances and payments but the insights portion fails to deliver any meaningful analysis.Could do with sister app for budgeting

30 October 2025
Unprompted review
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Reply from first direct

Hi John. Thank you for the stars, and for your feedback about the App, we really appreciate you taking the time to share your thoughts. - Christina

Rated 5 out of 5 stars
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They are Good

I had some issues logging into my account for the first time, but the staff was incredibly helpful.
They responded quickly, were very understanding, and guided me step by step until everything was solved. Excellent customer service!

24 October 2025
Unprompted review
Rated 1 out of 5 stars
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Very poor service

All I want is a savings account. Timed out when I try the help line. Promises that something will arrive in the post broken.
I remember when First Direct were the best available. Hang your heads.

13 October 2025
Unprompted review
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Reply from first direct

Hi Barry. I'm sorry to hear you've had a poor experience, thank you for feeding back about it. If you'd like help with this please give us a call on 03456 100 100, and we'll be happy to help. - Christina

Rated 5 out of 5 stars
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Efficient, Friendly and Conducive

It makes such a difference when you can hear that the person on the other end of the phone is trying to help you as best and as quickly as possible. Nothing was a problem and everything was explained clearly and then clear actions were taken to provide me with a new bank card I needed despite not having had one for years.

22 October 2025
Unprompted review
Rated 5 out of 5 stars
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Quick, efficient and thorough.

I’ve banked with First Direct for more than ten years and they’ve never let me down. Recently I had occasion to change my password because it had been compromised. The process was quick, efficient and very thorough and left me feeling secure once again.

23 October 2025
Unprompted review
Rated 5 out of 5 stars
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Best bank to bank with since 2014

Best bank to bank with since 2014, easy to use app & website. Great customer service when I’ve had to call. But PLEASE add future Transactions to the APP.

29 October 2025
Unprompted review
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Reply from first direct

Hi Tom. Thank you for your review, and for your feedback. We appreciate you taking the time to share your thoughts! - Christina

Rated 5 out of 5 stars
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Payment made on October 26 2025

I would usually perform the transaction online but I didn't have the facility to hand at the time so I rang to arrange a payment and the transaction was dealt with effeciently.

26 October 2025
Unprompted review

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