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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 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.

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first direct Current account reviews (1494)

Really great bank!

I've had my account around two years now, and from signing up, everything was simple and easy. I had issues last year when the fraud department refused to pay me out after I had nearly £1500 stolen from my account, but after a complaint was put through, it was sorted out for me. I've opened backup accounts since then just in case I'm left short for money again, and I'm so unhappy with them, I've been moving all over the place. It makes me realise how good First Direct's interest rates are on accounts. They also just gave me a £1000 overdraft without a fuss and when I used it, I only paid 28p interest whereas other banks want to charge over £10 a month.. Great job First Direct! Definitely recommended! Reviewed on: 17th September 2016

Didn't get as far as opening the account

For a bank that's supposed to be all about 'being modern' and prides itself on great customer service, I had a pretty useless time with First Direct. I tried to switch my current account over to the first account, but had to chase them up on it twice, and then they wanted me to verify my identity with a call to my place of work, and required a passport photo or similar signed by a doctor. I thought this was supposed to be the 21st century... If I can open an account with Atom etc. via an app, I'll be doing that instead. Thanks for nothing, FD! Reviewed on: 12th July 2016

Best service ever

Never had a problem in 3 years and the service is excellent Reviewed on: 30th June 2016

Superb customer service

Prompt replies to enquiries, very easy to use online user experience. Reviewed on: 29th June 2016

Mrs

Always consistently brilliant. 20+ years as a customer and wouldn't dream of leaving. Reviewed on: 28th June 2016

Easy to talk to, helpful staff and good policies.

First Direct were very helpful and easy to speak to during the switching process. The Welcome Bonus was indeed most welcome and the fee free overdraft of £250 is a great idea to smooth any bumps in the month's finances. Reviewed on: 22nd June 2016

No need to change again!

Easy to talk to and get through to, fantastic service - all round best bank I have ever used - no plans to ever switch! Reviewed on: 22nd June 2016

Easy and convienient to use

They are easy to get through to by telephone, their security is upto date so you are covered but do not need to carry a pin machine with you to log on and are always helpful. Reviewed on: 20th June 2016

Customer service is second to none

First Direct win so many awards for their customer service and they are well deserved. You get straight through to a UK call centre within several rings and don't have to repeatedly go through endless security. Service is so friendly and helpful. Reviewed on: 20th June 2016

Excellent Customer Service

Switched to First Direct after 18 years with my old Bank. Painless & I'm really glad I made the switch. Excellent customer service❤️ Reviewed on: 1st June 2016

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