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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1493 reviews)

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4.74

Based on 1,493 reviews, last reviewed 14th Jun 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Don't be unsure like I was! Was unsure when I changed over 3 years ago. They handled transfer and it was all plain sailing afterwards. Haven't looked back. Well done. Reviewed on: 14th 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 (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

I've been with them since the 90s.

I've been with them since the 90s. Easy to contact, reasonable saving schemes, pleasant customer service, good 500 pound free overdraft facility. Etc. Reviewed on: 18th April 2026

No nonsense basic account, which has been around for...

No nonsense basic account, which has been around for ages and still has a friendly call centre in Leeds where you can confirm just how daft you are and can't figure stuff out and will be treated with a smile and a 'don't worry Sir or madam this happens alot' reply. Reviewed on: 18th April 2026

Online Banking boosted productivity

Online Banking helped me to not only send bank transfer payments immediately and easily but also allow me to check my statements to cross reference for disputes at any time all of which was needed sooner Reviewed on: 17th April 2026

Very smooth experience so far.

Very smooth experience so far. No problems, and the one query I had was dealt with efficiently. Reviewed on: 17th April 2026

Always helpful on the phone.

Always helpful on the phone. Resolves issues quickly. No issues. Reviewed on: 17th April 2026

First Direct - first for customer service

Excellent app; helpful human communication for enquiries and questions; gives a sense of integrity and honesty; offers a range of account options and proactively recommended moving excess cash out of a current account. Reviewed on: 17th April 2026

good english speakers easy to understand

good english speakers easy to understand Reviewed on: 17th April 2026

Good solid banking app with no issues.

Good solid banking app with no issues. Reviewed on: 17th April 2026

Top class service when I was scammed

When we were scammed out of £80 from a company in Hong Kong i I phoned First Direct and they put me through to the fraud department straight away and refunded myself the money . Very nice and profesional and informative . When you phone them you are generally not waiting in a queue for long and speak to someone in an English call centre Reviewed on: 17th April 2026

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

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