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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)

World Class Customer Service

I have been with First Direct for over 20 years. The Calibre of the staff is world class. They are extremely knowledgeable, exceptionally courteous and professional, very articulate and easy to talk to. I have never had the same level of customer service in any other bank or financial institution. Reviewed on: 3rd December 2017

perfect

Very good banking system and customer service Reviewed on: 3rd December 2017

Good Customer Service

I found whenever I called up they are very helpful, however they do make their login process quite difficult! Reviewed on: 2nd December 2017

Incredible service - always willing to help

Problems with a renewal that I had canceled with the supplier. Sorted out quickly and pleasantly including advice on how to avoid a recurrence of the problem with other suppliers. Reviewed on: 1st December 2017

As Excellent as they Say

Excellent company, great product. I ring and somebody answers the phone straight away!! Reviewed on: 28th November 2017

Consistent good service online and by phone

I've used First Direct for over 20 years and would never change. Their phone service is efficient, friendly and very quick to respond - every single time. Reviewed on: 25th November 2017

Best bank ever

Customer service second to none Reviewed on: 22nd November 2017

The best bank I have ever dealt with

Everything I need from a bank is provided promptly by friendly helpful staff. Reviewed on: 21st November 2017

Good on the phone - poor online

First direct are always friendly and helpful on the phone. You would expect that - they are a telephone bank without branches, after all. Their staff usually action and resolve things quickly., and get back to you when they say they will. So customer service is good. The downside is that their online banking platform is weak. I think it's the same as HSBC. They intrude into your Payment Address book, and pre-code bank accounts of 'established' organisations, which means you cannot check if you have the right account when there is more than one. It's also crashing far too often. Reviewed on: 21st November 2017

Simple

Easy to use website and app, really helpful and genuinely friendly staff when I have had to contact them. Reviewed on: 21st November 2017

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