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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1493 reviews)

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4.70

Based on 1,493 reviews, last reviewed 10th Aug 2026

92% 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

fd - hassles free internet banking No hassle, to steal a line from another no nonsense product, it does exactly what it says on the tin Reviewed on: 14th July 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.

first direct Current account reviews (1493)

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

First class banking merchants excelling in customer...

First class banking merchants excelling in customer service, both online and on the phone. All backed up by a professional, easy to navigate website and app. Offers value for money Savings rates (7% regular saver) and basically free Foreign currency transactions. Plus the app offers all the banking services that I require. Their consultant colleagues are very knowledgeable on the phone, very polite and deal expertly with technical, IT related matters. Reviewed on: 23rd January 2026

Couldn’t recommend First Direct highly enough

I have been with First Direct for a good few years now and also recommended them to my husband and both daughters. Their customer service is second to none and you can get hold of them and speak to actual people within a few minutes. They have always been so very helpful to me and more so when my card was cloned and used for large amounts. They also provided someone to go through security tips and things to watch out for. Reviewed on: 22nd January 2026

I have never encountered any issues in my time with...

I have never encountered any issues in my time with First Direct. They offer access to a good regular savings account through holding a current account. The rate of interest is usually one of the highest I have seen on the market at any given time. Reviewed on: 22nd January 2026

Always there

Never have any issues, and now also great exchange rates overseas Reviewed on: 22nd January 2026

Efficient banking.

Efficient banking. Web site clear and easy to negotiate. First class customer service. Reviewed on: 22nd January 2026

Does what it says on the tin!

Easy app, good customer service, good additional products eg great personal loan rates and good credit cards Reviewed on: 22nd January 2026

First Direct has been my bank for the last 20 years...

First Direct has been my bank for the last 20 years and has always been easy to deal with. Reviewed on: 22nd January 2026

Faultless service, helpful and prompt with any queri...

Faultless service, helpful and prompt with any queries or issues I have. Much much better than Barclays who I moved from early last year Reviewed on: 22nd January 2026

Loyal customer of many years.

Loyal customer of many years. Service has been consistently excellent. Personal, professional, warm and efficient. Everything you need in a bank and nothing you don’t. Reviewed on: 22nd January 2026

GIVE SERIOUS CONSIDERATION !

Do not be deflected by the fact that first direct is attached to HSBC - a very secure, honest and reliable bank - and their offshoot is of equal stature. Reviewed on: 22nd January 2026

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