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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 1,491 reviews, last reviewed 18th Jun 2026

66% 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

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

Friendly & convenient

Great customer service. UK based call centre with friendly and knowledgeable staff. Reviewed on: 19th February 2016

Reliable friendly and helpful

I never have a problem contacting them, they are very good Reviewed on: 19th February 2016

Very customer friendly

I can't fault this bank. Always willing to please courteous assistants on the telephone. Products are good too. Reviewed on: 18th February 2016

They have been amazing!

I've called my bank's telephone banking line on Christmas Day and they couldn't be more helpful. Always answered by a person and always in the UK. Can-do, proactive staff who know their products. Reviewed on: 18th February 2016

First Class Service and Hassle Free

I have been with the bank since 1994 and have found them to have an excellent standard of accounts, customer service and online, postal and in bank facilities(using HSBC branches). I even work for HSBC and even though I also have a current account with them (as it was required) I use First Direct for day to day banking and find that their customer service far exceeds that of HSBC even though they are part of the same group. Reviewed on: 18th February 2016

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