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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1493 reviews)

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4.70

Based on 1,493 reviews, last reviewed 10th Aug 2026

92% 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

fd - hassles free internet banking No hassle, to steal a line from another no nonsense product, it does exactly what it says on the tin Reviewed on: 14th July 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 (1493)

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

Free overdraft, if you go over up to the prearranged...

Free overdraft, if you go over up to the prearranged amount, you do not get charged interest. Reviewed on: 12th June 2025

Exceptional customer service

Have banked with FD for a long time - made the mistake many years ago after a poorer than normal experience to move current accounts but quickly regretted it and went back. App online always reliable and their phone customer service always exceptional. So nice polite and friendly and genuine. Actually seem to care about what they do and how they do it. Always professional efficient and well trained. use several other banks for saving or additional accounts or other products but refuse to move current account again. Reviewed on: 12th June 2025

First Direct are very efficient

First Direct are very efficient, helpful, courteous and very professional when contacted. Reviewed on: 12th June 2025

Rejected for being unemployed

Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 2025

I used to really like First Direct but they have cha...

I used to really like First Direct but they have changed their employees and they are not as helpful nor knowledgeable as they used to be. Reviewed on: 22nd April 2025

Does what it says on the tin.

Does what it says on the tin. Excellent and easy to use App and excellent customer service. Reviewed on: 18th April 2025

A banking relationship worth having!

I’ve been a first direct customer for around 30 years and have always enjoyed being a customer. It’s not that things have never gone wrong during this time, but it’s how they have dealt with the mistakes or challenges that have always demonstrated why this is an organisation that really understands customer service, and get things fixed in a way I can trust. It counts that I can rely on my bank (across all my accounts with them, not just my current account) to do the right thing, not just the minimum they can get away with. That’s a relationship worth having and one I’ve never regretted establishing back in the late 90’s. Long may it continue! Reviewed on: 18th April 2025

A must have Account.

A must have Account. Excellent performance Reviewed on: 17th April 2025

Superb service since account opened over 25 years ago

We have never had any issues with First Direct. Call centre open all hours and year round with English speakers, so no misunderstandings in translation. We've ordered cash collections with ease when we've needed larger amounts of cash for home projects. Reviewed on: 17th April 2025

I’ve been with First Direct for 40 years and they of...

I’ve been with First Direct for 40 years and they offer excellent customer service. I’ve always been very impressed with this bank. Reviewed on: 16th April 2025

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