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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.

first direct Current account reviews (1495)

Review of the first direct, Current account:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

Quite simply, they get it right

They provide everything I want from a current account. It is run efficiently, there are no data security problems, I can control every little thing online, and my finances run smoothly and easily. Reviewed on: 20th November 2015

GREAT BANK

Can do pretty much everything online or over phone, great customer service, no talking to robots Reviewed on: 20th November 2015

First Direct

Great bank so far , excellant call handling times and up to date apps and gadgets Reviewed on: 20th November 2015

new bank account

changed my bank to them and it all went very smoothly Reviewed on: 20th November 2015

You will never swop banks again!

I have banked with First Direct for approx 10 years now, and I can honestly say I don't think I'll switch to any other bank again. The test of a good bank if whether they put something right when it goes wrong. I accidentally forgot to transfer my salary across from one account to another and therefore went overdrawn. I had a decent sum of money in my savings, so although overdrawn in one acct overall I was not. I called them as they had charged me on the account I had gone overdrawn on thinking I'd get nowhere as it was my mistake. Wrong - they sorted it straight away - refunded me and put in place automatic direct debits to stop it happening again. Love First Direct - this is just one of the small things they have helped me with over the years! Try them! Reviewed on: 20th November 2015

Outstanding Customer Service

Was worried about a bank with no walk-in branches, but worried for no reason. Customer service via phone is superb. Always had a very friendly person on the other end and had the feeling that they really made an effort to solve my issues or enable services etc. Reviewed on: 20th November 2015

Excellent customer service

I used the switch facility to get a 1st Account. The switch of direct debits was very smooth. The overdraft facility is fair and enquiries are dealt with by helpful staff. Outstanding service. Reviewed on: 9th November 2015

can't be beaten

excellent customer service from first direct. Have had no problems at all and staff always helpful Reviewed on: 31st August 2015

first class

Rated high for customer service and when using you can see why. UK call centres, you get through quickly and staff know what they are talking about. No problems at all Reviewed on: 31st August 2015

Easy to use banking, online and on the phone.

I've been with First Direct since they began and find them the easiest bank to deal with online and particularly on the phone. In the last couple of years they've added an extra level of security to their online service with a code generating system when you log in to carry out transactions (thankfully you can still check your balance without using this) which gives greater peace of mind with online banking. Any difficulties and there is always a pleasant, friendly voice at the end of the phone to resolve things for you. Overall great customer service. Reviewed on: 31st August 2015

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