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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

Not updated enough. No "available balance" shown so can go overdrawn easily

The 1st Account doesn't show an available balance which shows how much money you have available to spend once they have taken into account recent spends or pending direct debits. This means that your balance is almost never correct, and means that you can easily go overdrawn. For example, I had £XX amount in my bank and spent £500. For the next 3 working day (until the £500 left my bank and settled) my bank balance shows the original amount without the £500 deducted. Reviewed on: 12th February 2016

The best bank in the country

Always great customer service, helpful, friendly and make you feel valued as a customer. Reviewed on: 12th February 2016

Perfect customer service

I have never once had call to complain about any contact I have had with this bank, and I've been with them over 20 years. Polite and efficient. Reviewed on: 11th February 2016

Great overall service

Easy to contact and quick to respond to any queries. Would definitely recommend! Reviewed on: 11th February 2016

First Direct - Perfect bank for everyday

First Direct although an on-line bank is easy to use. The security is good and they respond quickly to any queries. Reviewed on: 8th February 2016

Through thick and thin

I had never planned to stay with First Direct for long. I switched to them because of their offer, got some cash and thought I'd leave half a year later and get some more cash for that. But to be honest, after nine months with this bank I can't imagine being with any other. The customer service is excellent, there are no long queues on the phone, no call centres abroad (judging from the thick Scottish accent I was greeted by during my last call) and instead a whole lot of service and friendliness. Yesterday, someone used my card to purchase drone supplies in the US. No idea how they got my card details. First direct noticed, contacted me immediately, and got my money back. They made a horrible situation a lot more bearable - thank you. Reviewed on: 7th February 2016

First Class for First Direct

First Direct are an excellent company for banking. I have free overdraft up to £250. Whenever I have phoned, the service I reason is first class and the staff are so friendly and ensure that you are happy before the call is finished. I would definitely recommend them to bank with Reviewed on: 5th February 2016

Love

I love my bank First Direct, they are always pleasant and nothing is too much trouble. Reviewed on: 30th January 2016

First Direct equals First Class

First Direct provide just the right amount of information about your account and your money. They may email you with targeted information about important issues, but don't hassle you with pointless emails constantly trying to upsell. Happy Customer am I. Reviewed on: 27th January 2016

Love First Direct

I can't recommend First Direct highly enough. The online banking is very easy to use and easy to negotiate your way around. The staff at the call centres are excellent, always friendly, always helpful and nothing is ever too much trouble. Reviewed on: 22nd January 2016

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