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first direct: Current account reviews

Name: Current account
Rating: 4.68 (1496 reviews)

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4.68

Based on 1,496 reviews, last reviewed 2nd Sep 2026

86% 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

People on the phone It's rare to be able to access a human without layers of ai bots these days, FD have people who pick up calls! Reviewed on: 2nd September 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 (1496)

Review of the first direct, Current account:

Simple but effective

Although they lack high street locations they have the best customer service available and you can use the post office to pay in cheques etc Reviewed on: 22nd November 2019

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

Excellent customer service

Always speak to a human who is always knowledgeable and helpful Reviewed on: 22nd January 2026

Always rated as a top banking provider and so far I...

Always rated as a top banking provider and so far I find that to be the case. Reviewed on: 22nd January 2026

First direct current account

Never had a problem, and any questions queries are answered fast and simply. Reviewed on: 22nd January 2026

They have always been there.

They have always been there right from their first day and, a rarity, in this day and age, they put the customer first. Reviewed on: 22nd January 2026

Always fantastic service

Whenever I’ve needed to speak to first direct by phone, they have been so incredibly helpful. They even have recognition so there’s no complicated codes or answers to remember and they really do everything they can to help. Reviewed on: 22nd January 2026

Top bank

Recently switched to first direct and it couldn’t have been easier. Also their app is excellent and all with brilliant customer service department. Reviewed on: 22nd January 2026

24hours phone help.

24hours phone help. Excellent website and app which are very easy to navigate and include excellent tips and advice on a range of financial issues. Reviewed on: 22nd January 2026

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