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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 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.

first direct Current account reviews (1494)

Review of the first direct, Current account:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

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

Perfect bank

Call centre staff speak perfect English, always have the answers, without having to wait. Banking is straightforward, low mortgage interest rates, no gimmicks, website easy to use. Reviewed on: 21st November 2017

Excellent fast friendly and not-stuffy service.

Excellent fast friendly and not-stuffy service, genuinely efficient and professional. Reviewed on: 20th November 2017

Best bank I have ever been with

Fantastic bank with amazing customer service. They answer the phone quickly and the customer service is straightforward and easy to deal with. Any problems I've had have been fully explained and dealt with efficiently and easily. I absolutely love this bank. Reviewed on: 20th November 2017

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