First Direct Review UK
First Direct review covering the current GetQuids offer, reward, qualifying requirement and main watch-outs before signing up.
Rating
4.2/5
Best for
People who can meet the current-account switch or account-opening requirements for a cash bonus.
First Direct is worth considering if the product already fits what you need and you can meet the qualifying action without extra strain. The current GetQuids offer is £200. The key requirement to check is: £1,000 held for 24h, 5 card payments, login, and 2 Direct Debits or standing orders. Use the GetQuids link so the offer tracks from the correct route. Banking offers can involve eligibility exclusions, credit checks, pay-in deadlines, Direct Debit rules and group-level repeat-bonus restrictions.
Pros
- Consistently top-rated mobile and telephone banking (award-winning customer service).
- £250 interest-free arranged overdraft.
- Reliable, frequent switch offers.
Watch-outs
- Excludes anyone who has ever held a First Direct product.
- Also excludes recent HSBC current account holders (since Jan 2018).
- No physical branches (telephone and app only).
Current related offer
First Direct offer page
Full claim instructions are on the First Direct offer page.
Who it suits
Switch to a First Direct 1st Account for £200 cash. The current boosted route needs a full switch, £1,000 paid in, 5 card payments, online or app login, and 2 Direct Debits or standing orders.
It is strongest for organised users who can track pay-ins, Direct Debits, card payments and deadlines without disrupting their main banking setup.
Offer value and requirement
The current GetQuids page lists the headline reward as £200.
Before signing up, check that you can meet this requirement: £1,000 held for 24h, 5 card payments, login, and 2 Direct Debits or standing orders.
If no manual code is shown, start from the GetQuids referral or offer link so the route is attributed correctly.
Main watch-outs
Banking offers can involve eligibility exclusions, credit checks, pay-in deadlines, Direct Debit rules and group-level repeat-bonus restrictions.
Treat this review as a decision aid, not financial advice. The provider's live terms control eligibility, payout timing and any exclusions.
FAQ
- Is First Direct worth it?
- First Direct can be worth it if you wanted the product anyway and can meet the current GetQuids requirement. Skip it if the qualifying action makes you spend, switch, borrow or invest in a way you would not otherwise choose.
- What is the current First Direct GetQuids offer?
- The current GetQuids offer headline is £200 with this requirement: £1,000 held for 24h, 5 card payments, login, and 2 Direct Debits or standing orders.
- Do I need a First Direct referral code?
- No manual code is listed. Use the GetQuids offer link and check the live terms during sign-up.
Last updated 27 June 2026. Reviews are informational only and not financial advice.