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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1491 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% decrease 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 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.

first direct Current account reviews (1491)

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

Great Service

Always great and friendly customer service, on hand 24/7; even for non-banking enquiries, like when my car broke down (I have breakdown cover included on my account), got through within seconds and they couldn't have been more helpful. Overall, I've had a great experience with them so far. Reviewed on: 27th December 2016

Banking made easy

The customer service is fantastic, makes everything extremely easy to use in the app. I am not sure the account is value for money with the monthly fee however the customer service is so good. The app makes everyday banking very easy! Reviewed on: 27th December 2016

Great customer service, poor reward.

I feel disappointed that after 20 years of banking with First Direct, and enjoying their first class customer service, I have to shop around to find a current account that gives me benefits. I think their on line experience is very good - they were the first and they do it really well, but looking at other interfaces coming into the market, they'll need to find a new differentiator. The interest rates on my current account is 0 so I'll be taking my cash elsewhere. Reviewed on: 27th December 2016

Good account, great service

Opened a First Account so as to get an offset mortgage with First Direct. I liked the terms and the service on offer Reviewed on: 24th December 2016

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

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