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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

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4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th August 2026

Latest lowest rating:

1

Stranded Abroad With 2 Young Kids. I switched from NatWest to First Direct. I regret it. I moved an account from NatWest to First Direct partly because of its reputation for customer s... Read more Reviewed on: 10th August 2026

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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 (1495)

Entirely happy - all good so far

Switched to First Direct as a consequence of very bad experience with M and S Bank, based on First Direct’s positive customer feedback ratings, even though they’re both of them offshoots of HSBC. All is very good at least so far: they seem most helpful and their online banking systems are effective. So can recommend. Reviewed on: 27th April 2018

Cannot do better

Can’t improve on the personal service this bank provides. Helpful, efficient and safe Reviewed on: 13th April 2018

Excellence

First rate First Direct - efficient, fast response to calls, does everything you need a bank to do just better Reviewed on: 9th April 2018

Great service and experience

Nothing more to add really. Consistently proven to be a great service. Reviewed on: 5th April 2018

Best Customer Service

This company has the best customer service of any company I know. Reviewed on: 4th April 2018

Really great bank account

Excellent bank account with excellent service. Best bank ever used. Reviewed on: 4th April 2018

First Direct 1st account

Easy internet banking Excellent customer service Reviewed on: 4th April 2018

Great service, good security, linked accounts option available, very versatile

Have always been happy with the service, the online security and saving options Reviewed on: 4th April 2018

First class bank

Best bank for customer service. Helpful staff in UK call centres, 24 hour service. Reviewed on: 11th February 2018

Banking as it should be....

You ring them up, phone answered within a couple of rings by ...wait for it....somebody in the UK who speaks perfect English and is pleasant and helpful. They are able to sort out whatever you need and are quick, reliable and friendly. Why then are they the only company who seem to have this right? Reviewed on: 11th February 2018

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