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first direct: Current Account reviews

Name: Current Account
Rating: 4.74 (1486 reviews)

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4.74

Based on 1,484 reviews, last reviewed 18th Apr 2026

11800% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

No decent savings options The only drawback with our current account is that they dont have any decent savings accounts/ products alongside it. I dont want the hassle of using ... Read more Reviewed on: 18th April 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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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 (1484)

I was dubious changing from a High Street Branch Ban...

I was dubious changing from a High Street Branch Bank to an Online only bank account therefore, I did the switch with trepidation. However, I am so pleased I made the move as my current account with First Direct is very easy to manage online as their Website and App are very easy to use. Also, there is no fee to have their current account. Reviewed on: 17th April 2026

First class in all customer services

First class in all customer services Reviewed on: 17th April 2026

26 years and still happy.

I've been banking with First Direct for around 26 years. Over that time I have never been tempted by the cash offers for switching banks. That's purely because of the incredible service I receive from First Direct. Every contact results in a positive experience. Any issues are dealt with quickly and responsibly. Reviewed on: 17th April 2026

Switched current account to FD

Switched current account to FD. Very easy to do and everything was processed promptly with no issues. Received switching bonus very quickly Reviewed on: 17th April 2026

Always get through to customer services quickly.

Always get through to customer services quickly. Staff are friendly and efficient Reviewed on: 17th April 2026

Fantastic service right from the beginning!

Right from the start, First Direct have helped me in many situations. I can remember the first experience was that I had just joined them back in 1993 ( so they didn’t know me or how I handled my account) but the Midland bank had failed to transfer our account from them properly and I happened to be in Cornwall on holiday.I rang them from a phone box on Bodmin Moor to ask why there were no funds in my account?They explained that the account had not been transferred as it should have been, but they would allow me to withdraw money the very next morning at 11 a.m for my holiday provisions. As promised, this did happen, and I will never forget the relief of being able to enjoy our family holiday. I haven’t looked back since, and I would never move my main account from them. Reviewed on: 16th April 2026

Human on the phone

It's getting harder to access a real person via services since ai has become available to companies wanting to save money. First direct has a phone number the share, and people pick up the other end within a few rings Reviewed on: 16th April 2026

First Direct for first class service every time

After nearly 20 years First Direct have never failed to surpass my expectations. From a mortgage, current accounts and savings account the service and terms have been exceptional. Friendly staff are always at the end of the line, with minimal waiting times each time. Fantastic second to none service Reviewed on: 16th April 2026

First Direct current account easy to navigate

Easy to navigate on the FD app and the customer service is very good. Reviewed on: 16th April 2026

Great app and easy to set up.

Great app and easy to set up. Plus a bonus of £175 to switch. Reviewed on: 16th April 2026

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