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first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1489 reviews)

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4.73

Based on 1,489 reviews, last reviewed 8th May 2026

20% increase 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

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 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.

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first direct Current Account reviews (1489)

Excellent customer service

First direct provide exceptional customer service, and I have always been impressed with the service they provide. Reviewed on: 8th November 2017

Efficient and helpful bank

These days, what with bank transfers and credit/debit card payments, I find no need to visit a bank branch in person. Consequently, virtually all of my banking needs are done by telephone and getting through to First Direct is always quick and without any problems. The receptionists are knowledgeable and always very pleasant to talk with. I usually pay tradesmen and others by bank transfer these days, and it takes only a few minutes to discuss my requirements. The payment then usually goes through on the same day. I highly recommend First Direct to anyone considering a new current account. Reviewed on: 8th November 2017

Best customer service ever

I've been with FD for about 20 years and never had a single day when I've regretted moving my account to them. They have never once let me down and in fact exceeded my expectations. Oh and they are friendly too! Reviewed on: 8th November 2017

First class service

First and foremost, I love that there are no auto messages to plough through when calling this bank. You get through to a person straightaway, an English speaking one in this country as well. They listen, they give advice, they act. Job done. Friendly, helpful, never pushy, always efficient. Secondly, I love this bank's online service. I can do almost everything online, all the usual services plus so much more. I love being able to let them know when I'm going abroad especially. Reviewed on: 8th November 2017

Easy efficient effective

I have found the 1st account easy to use, with regular updates and news from First Direct supplied via email and the app. Reviewed on: 8th November 2017

Consistently good

I’ve been a FD customer for over 20 years and have not once had cause to complain. Their service is consistently good and their products are competitive. I’m happy to recommend First Direct Reviewed on: 8th November 2017

Customer service is great but for an online bank it's very slow

It takes days before transactions appear on my account or before my balance is updated. I mean days - like sometimes 4-5 days. This is crazy. I have started using a charge card Monzo for real time updates because it's impossible to keep on top of my spending otherwise. Also bizzarly annoying text messages every Wednesday morning to let you know what you spent. Thanks first direct but that was from over a week ago. So slow. Anytime i contact them, the customer service team are very nice. Reviewed on: 8th November 2017

Great customer service

If I ever call First Direct, the phone is answered almost immediately by a real person who can help me with my query. Great bank. Reviewed on: 8th November 2017

Definitely the best bank to deal with

Having has to deal with the likes of TSB and RBS on behalf of other family members I am so relieved that I myself bank with customer friendly First Direct. Reviewed on: 8th November 2017

Never fails

Had accounts with this bank for last 7 years and it has never put a foot wrong. Reviewed on: 8th November 2017

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