First Direct review and offers

First Direct is a division of HSBC UK Bank plc, one of the world's largest banking groups. Your deposits are protected by the FSCS up to £120,000, and they've been operating since 1989 - over 35 years of trusted banking.

First Direct is ideal for people who don't need physical branches and prefer managing their money online or via phone. Their 24/7 UK-based customer service is genuinely helpful (not a call centre maze), and the app makes day-to-day banking simple. Perfect if you value great service over branch access.

First Direct is arguably the best bank for customer service in the UK. They've won countless awards, and their 24/7 phone support is genuinely excellent - you'll speak to a real person in Leeds, not navigate a frustrating phone tree. The 1st Account has no monthly fees, fee-free overseas spending, and access to a 7% Regular Saver. The only real downside is no branches if you need in-person banking. For the switch bonus, note the HSBC exclusion - if you've had an HSBC current account since January 2018, you won't qualify.