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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

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4.69

Based on 1,357 reviews, last reviewed 15th Sep 2025

95% decrease 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

Very generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025

Latest lowest rating:

1

Rejected for being unemployed Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 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 (1357)

customer services

Always helpful and friendly staff on the phone and easy online banking Reviewed on: 20th December 2016

World class banking

I moved to First Direct nearly 30 years ago after being ripped off first by Barclays as a student, then Lloyds after pulling in my first proper wage. Both of these high street dinosaurs pulled me under each month by adding overdraft fees that increased a debt that couldn't be reduced, even though they were well aware of my fixed income. First Direct have always helped me when I've been at my lowest, so I continue with them now my finances are more stable. The products are good, although I hardly need the free overdraft facility, the internet banking is intuitive, easy and secure, assistance when required on the phone is in a language understood in England, but most of all everyone I've ever dealt with in the company is a perfect ambassador for how someone I trust with my money should be. Top, world class bank! Reviewed on: 20th December 2016

great service and accessible

switching process was very smooth, staff are very friendly overall very efficient Reviewed on: 18th December 2016

customer service tops

excellent customer service, prompt informative responses Reviewed on: 18th December 2016

Brilliant for online banking

I rang to increase our overdraft temporarily and the operator made it really easy and painless. I've done similar with other banks and they make such a song and dance, but FD were brilliant. They even rang me back on my mobile. Reviewed on: 18th December 2016

Great reliable service, solid security and great online features

Excellent professional and courteous service - always helpful and accessible Reviewed on: 18th December 2016

The best!

I often recommend First Direct to family and friends because of their outstanding customer service and easy online access. Reviewed on: 18th December 2016

Caring and Friendly bank

They simply are the best in terms of connecting with their customers. Whenever I speak to them, and it could be any time of the day or night, they are friendly, easy to deal with, and completely understanding of my requirements. I have been with them for 20 years, and cannot think about moving my current account. Reviewed on: 12th December 2016

Always friendly, helpful staff, open all hours

Simple the best bank for customer service Reviewed on: 5th December 2016

Brilliant bank!

Brilliant bank, great rates, customer service is TOP NOTCH. :) Reviewed on: 30th November 2016

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