First Direct vs Monzo

First Direct vs Monzo: an honest side-by-side on fees, features and who each one actually suits. Compare both banks & current accounts in one place.

	First Direct	Monzo
Our score	9.4/10	8.8/10
Fees	Low	Low
Summary	Best Customer Service	Best Digital Bank

First Direct

Award-winning bank consistently rated top for customer service. Part of HSBC Group. £175 switch offer. Linked savings and competitive Regular Saver account.

Monzo

Leading UK digital bank with smart budgeting features, instant notifications, and fee-free spending abroad. Free and paid tiers.

• Full First Direct review
• Full Monzo review
• All Banks & Current Accounts