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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.

first direct Current account reviews (1494)

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

Great customer service

Very good customer service, willing to listen and do their best for you. Very refreshing! Transferring my account was very smooth and I was informed throughout the process. Would definitely recommend based on my experience so far. Am likely to remain a customer for some time at this rate. Reviewed on: 21st April 2015

Really liked it at first.

Really liked it at first and still do. Just don't like the big account fees that come along with it. If I was going on a long trip I would for sure use it. Or if I were older I would have used it a lot more. Like the fact they do give you a different option choice. My husband and I Loved that. I do love the interest rates though those were something I could have dealt with. Would love to see them come up with a bit more. Or maybe a package plan would be a great idea. Reviewed on: 14th April 2015

Unparalleled levels of service

A really solid bank account which doesn't feel like a bank, but more like a partner which works with me to manage my finances and help me plan for my goals. Reviewed on: 3rd March 2015

Can't shout loud enough about them

I can't agree more with the other reviews on here. An amazing company to deal with - highly recommended Reviewed on: 21st February 2015

Came for the money, stayed for the service.

To be honest, I first switched to First Direct because of their £125 switching bonus. Being a broke student, this sounded great. Even better was that if they were worse than my already crummy bank, I'd get another £125. Win-win. Turned out I did even better than the second £125 by staying. Although they don't have the face-to-face availability of some banks, their phone service is superb, not to mention their products. You get to speak to a real person, in England, who is knowledgeable about what they have and how it works for you and, wait for it, helpful! It's so refreshing to have a bank that generally seems to recognise its customers are human beings and treats them that way. For example, when I lost money in a cashpoint, they were incredibly responsive and restored the balance to my account straightaway recognising that every little bit counts. I'd definitely recommend them, with or without the £125. Reviewed on: 7th February 2015

Superb phone banking service!

I started banking with First Direct in 1990 because at the time they were offering something a bit different and something a bit more modern than the high street banks. Over 20 years later I still bank with them and I still consider them as one of the best service providers that I interact with on a regular basis. On the very odd occasion when something has gone wrong they have been honest about it and quick to act. I like that they care about customer retention. Reviewed on: 5th February 2015

Been with them from the start - best customer service ever - most unbank-like!

I have used First Direct from their very early days, and have had the best customer service from them - I'm no bank lover, but First Direct make me feel like they actually try that extra bit harder to keep you happy. I don't use their web service as I prefer to speak to a real person, and their UK based staff are helpful, friendly and knowledgable - EVERY time. Totally recommended. Reviewed on: 26th January 2015

first direct employ amazing staff, their people make phoning the bank more of a pleasure and less of a chore

First direct have won my vote due to how well they look after their customers! I recently joined and they've taken care of me as a friend, rather than a customer. They really make you feel as if you can trust them... And I do! Reviewed on: 24th January 2015

Customer focused bank that makes sure you are not being defrauded.

I love the 24/7 365 day access this account and this bank give you. I've called them at 11:30pm on Christmas Eve to check something in my account before and always find the staff friendly and helpful. Another great thing about this bank is their attention to your account and the way you use it. They've blocked purchases from my account before because they were unusual and I've had to call them to authorise the payment. Some people would find this annoying but I don't because I have a friend who's had a lot of money taken from her account fraudulently - if her bank had blocked the withdrawals, it wouldn't have happened. Reviewed on: 14th January 2015

Incredible service, easy to reach. 10/10!!

first Direct seriously know their customers needs and the market they're in. Never, ever had an issue with them in the 10 years I've banked with them! Would always be my first recommendation with anything banking! Reviewed on: 10th January 2015

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