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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1344 reviews)

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4.68

Based on 1,344 reviews, last reviewed 23rd Apr 2025

790% 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

Does what it says on the tin. Does what it says on the tin. Excellent and easy to use App and excellent customer service. Reviewed on: 18th April 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 (1344)

first account amazing

does what you want it to do. can't say anymore than that Reviewed on: 13th February 2016

Brilliant if you don't need a branch

Never had any issues, no long queues when I've rung and they give a £250 interest free overdraft. They have been fantastic and very helpful on the odd occasion I have had to ring and the staff are always lovely and friendly. Reviewed on: 13th February 2016

great online service

I love the messaging system being able to leave a message for an advisor and they answer you very quickly saving long waits on the phone. The customer service is second to none. Reviewed on: 12th February 2016

Top notch customer service

I have only had a few reasons to contact First Direct (suspected fraud on my account and being unable to access the app). The staff were brilliant and efficient. Couldn't ask for better service. I have recommended First Direct to friends. Reviewed on: 12th February 2016

Not updated enough. No "available balance" shown so can go overdrawn easily

The 1st Account doesn't show an available balance which shows how much money you have available to spend once they have taken into account recent spends or pending direct debits. This means that your balance is almost never correct, and means that you can easily go overdrawn. For example, I had £XX amount in my bank and spent £500. For the next 3 working day (until the £500 left my bank and settled) my bank balance shows the original amount without the £500 deducted. Reviewed on: 12th February 2016

The best bank in the country

Always great customer service, helpful, friendly and make you feel valued as a customer. Reviewed on: 12th February 2016

Perfect customer service

I have never once had call to complain about any contact I have had with this bank, and I've been with them over 20 years. Polite and efficient. Reviewed on: 11th February 2016

Great overall service

Easy to contact and quick to respond to any queries. Would definitely recommend! Reviewed on: 11th February 2016

First Direct - Perfect bank for everyday

First Direct although an on-line bank is easy to use. The security is good and they respond quickly to any queries. Reviewed on: 8th February 2016

Through thick and thin

I had never planned to stay with First Direct for long. I switched to them because of their offer, got some cash and thought I'd leave half a year later and get some more cash for that. But to be honest, after nine months with this bank I can't imagine being with any other. The customer service is excellent, there are no long queues on the phone, no call centres abroad (judging from the thick Scottish accent I was greeted by during my last call) and instead a whole lot of service and friendliness. Yesterday, someone used my card to purchase drone supplies in the US. No idea how they got my card details. First direct noticed, contacted me immediately, and got my money back. They made a horrible situation a lot more bearable - thank you. Reviewed on: 7th February 2016

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