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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1424 reviews)

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4.71

Based on 1,424 reviews, last reviewed 19th Feb 2026

6000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Excellent customer service. All queries answered satisfactory and problems resolved. Reviewed on: 19th February 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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About this product

The first direct 1st Account is a current account that can be opened in minutes.

If you’re eligible, you can get an interest free overdraft of £250. You won’t be charged debit card fees when spending abroad. If approved for an account, you’ll get a virtual card you can use straight away.

first direct 1st Account reviews help you find out what it’s really like to be a customer. If you’ve used first direct before, you can also leave a review and share your experience.

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first direct Current Account reviews (1424)

Excellent customer service.

All queries answered satisfactory and problems resolved. Reviewed on: 19th February 2026

Still great after all these years

Been with this phone /on line bank from the very early days, always prompt, reasonable rates and excellent customer service and contact. I ‘ain’t’ going nowhere ! Reviewed on: 16th February 2026

First Direct Review

I've been with First Direct from when the Midland Bank First offerred as an incentive to move to s 24/7 Bank. I have always found them to be honest and reliable. Like some of the reasent reviewers I have noticed a small drop in customer service in the past 12 months. Their App is excellent to use but in terms of what you can do within it compared to other newer banks is limited and needs reviewing. Appart from their ISA the savings systems offered are very good with reasonable interest rates and I currently use them. The above said I must clarrify my ratings, I never give 5/5 or 10/10 as every company has room for improvement and, in my opinion, those who give these scores have been incentivised or otherwise rewarded. Reviewed on: 14th February 2026

The app is very clear and easy to use.

The app is very clear and easy to use. It also shows the account value after each transaction, which makes it easy to track spending. The account is simple and has everything you need in one place. Transferring money is quick and simple, as is checking direct debits Reviewed on: 14th February 2026

Brilliant service, very reliable

Brilliant service, very reliable Reviewed on: 13th February 2026

No need to look any further

I have been with First Direct for 36 years and have always found it to be a friendly and efficient service with an easy to use web/app interface and great staff in the call centre if you need them. I have used several facilities, including current and savings accounts and have always found that they are feature rich as offer value for money compared with similar market products Reviewed on: 13th February 2026

So easy to get hold of!!!

So easy to get hold of and when you speak to someone over the phone they are super helpful! Reviewed on: 12th February 2026

Easy to set up and use and the app is intuitive

Easy to set up and use and the app is intuitive. It has helpful suggestions and categories of payments and it is straightforward to add direct debits and standing orders Reviewed on: 3rd February 2026

Compentent..

Very good overall, I have been very impressive with them as a bank and have been with them since they first started. Reviewed on: 2nd February 2026

Always available to help when needed.

Always available to help when needed. And no hanging about waiting either. Reviewed on: 29th January 2026

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