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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

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4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% 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

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th August 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.

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first direct Current account reviews (1495)

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

Flawless customer service, great online security

always contactable and helpful, with every query I have had over the last 8 years Reviewed on: 28th April 2016

Always a pleasure to deal with

First Direct always go that one step extra with their customer service. I have never had a bad experience in the many years I have been banking with them. Reviewed on: 26th April 2016

No problems

First Direct accounts give no headaches. They are simple and straightforward and you can contact them 24/7. They are on the ball when it comes to fraud and will call if they see suspicious activity in the account. I give them 10 out of 10. Reviewed on: 22nd April 2016

Would highly recommend

Changed to their account from Santander Seemless transition and excellent customer service Reviewed on: 21st April 2016

RELIABLE

Opening the account is far longer than it should be but once up and running it is really good. If you do need to contact them the calls are answered quickly and the staff are knowledgeable and friendly. Would definitely recommend Reviewed on: 28th March 2016

It is a pleasure to use First Direct

Having worked in another bank & still having an account with them for various reasons, I find my First Direct account a breath of fresh air whether it is the online banking or contacting the really helpful staff at the other end of the phone, quick easy & efficient I have no qualms at recommending them to friends & family Reviewed on: 28th March 2016

Any time, any place, any where.

If there's something strange in your bank statement Who you gonna call? FIRST DIRECT If there's something weird and it don't look good Who you gonna call? FIRST DIRECT I ain't afraid of no phone. I ain't afraid of no phone. They'll sort out your bills And your overdraft. Who you gonna call? FIRST DIRECT An invisible man Phishing in your account. Who you gonna call? FIRST DIRECT If you're all alone And you need a loan. Who you gonna call? FIRST DIRECT They have lots of plans to foil Freaky scams. Ya better call FIRST DIRECT Lemme tell ya something Banking makes me feel good. Reviewed on: 19th February 2016

great banking

great bank, sister company of Hsbc so no worry, great current account no monthly fee. Reviewed on: 19th February 2016

Great customer service

On phoning with a enquiry it's usually answered quickly without going through various menu options. Internet banking has a very secure sign procedure. Reviewed on: 19th February 2016

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