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first direct: Current Account reviews

View other first direct products
4.69
Based on 1,357 reviews, last reviewed 15th Sep 2025
89% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

Latest highest rating:

5

Very generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025
Rachel O'Neill's avatar
Rachel O'Neill

Latest lowest rating:

1

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
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James
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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.

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first direct Current Account reviews (1357)

A solid bank

3
I have banked with First Direct for years and they have always been really very good. Good customer services, with a decent app. I do feel they have left their leading edge a little, and I did have a bad experience with them when trying to get a loan from them - they tried to charge me 2% over the advertised rate despite having an excellent credit rating. (I used Tesco Bank in the end for an even cheaper rate than FD offered. Reviewed on: 12th April 2024
Andrew K's avatar
Andrew K

Great bank, short wait for customer service.

5
Great bank, short wait for customer service. Reviewed on: 12th April 2024
Chris K's avatar
Chris K

I have been with First Direct since 2005.

5
I have been with First Direct since 2005. Took my mortgage with them in 2010. Excellent UK call centre and superb app. They are there when you need with minimal waiting time. Superb service not like other UK banks. Reviewed on: 12th April 2024
Okan's avatar
Okan

Brilliant UK call centres, answer quickly and effect...

5
Brilliant UK call centres, answer quickly and effectively Reviewed on: 12th April 2024
aab's avatar
aab

Best bank ever!

5
Brilliant, cannot fault the service in anyway, great bank with the best customer service Reviewed on: 12th April 2024
KC's avatar
KC

Best customer service ever

5
Came for switching reward, stayed for the customer service. Really helpful on the phone, giving me lots of advice about choosing the right financial products. Always been easy to get through, with only short phone queues. Reviewed on: 12th April 2024
Kate M's avatar
Kate M

Still the best

5
Hard to know what else they can do, always helpful and friendly Reviewed on: 12th April 2024
mark v's avatar
mark v

Amazing service, I have had no issues and my favouri...

5
Amazing service, I have had no issues and my favourite part is that they are available on chat on the app to help with any queries I might have Reviewed on: 12th April 2024
Amelia 's avatar
Amelia

First Direct First In Class

5
I’ve been with first direct for nearly 20 years now and wouldn’t change. I do most of my major domestic banking and bills via first direct and it’s easy to manage. The app is easy to use and their customer service team are first class, This makes all the difference, speaking to a UK based team when you need to. Reviewed on: 2nd April 2024
Neil H's avatar
Neil H

Excellent customer service.

4
Excellent customer service and good response times. Easy to access and accomodating to customer needs. Good linked savings product. Reviewed on: 27th March 2024
Rebecca's avatar
Rebecca

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