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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1355 reviews)

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4.69

Based on 1,355 reviews, last reviewed 21st Jun 2025

46% 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

Great bank! Great customer service, 24 hours a day, any issues are always dealt with promptly. Would be good if the current account paid interest as well. Reviewed on: 21st June 2025

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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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 (1355)

Poor products, no customer service

I've been a First Direct customer for 30 years; since working from home became the norm, customer service standards have dropped badly. Reviewed on: 4th February 2024

Bank account, app and website which works

Perfect bank account which just works. Great App and website, all very easy to use. Reviewed on: 2nd February 2024

Online app but most often need to call

Annoying that an online app based bank I can not always manage everything via app. More often than not have to ring for the agents to make changes Reviewed on: 18th January 2024

Terrible service.

Terrible service. Online bank so only telephone contact. Takes ages to get through...always very busy apparently. You are passed on to someone else...lots of waiting and ghastly music. They cannot deal with query so passed on again. Long wait..we are very busy!!.. and more ghastly music. Eventually third person cannot give direct help so answer will be sent by second class post. WE have tried 5 times to get Power of Attorney and are now on 5 the activation code to be told there has been a problem First Direct end because someone forgot to update all the details. Unbelievably incompetent. Reviewed on: 4th January 2024

Great account to switch to

I switched to First Direct from HSBC and got a switching bonus, but also access to their savings account with 7% interest. I did have an issue shortly after the account was set up but customer service got back to me really quickly and sorted it out. Reviewed on: 2nd January 2024

First Direct First Class

Had a Real Problem due to a Scam...Having Highlighted this First Direct were Very very Helpful with advice and Eventually got my Funds back. Reviewed on: 14th October 2023

Banked with them for over 20 years

Great service, standard, easy to use app, friendly staff, best bank out there. Reviewed on: 14th October 2023

Excellent

Banked for years. Savings Joint account Mortgage. All services are excellent Reviewed on: 13th October 2023

Excellent customer service

I have been with First Direct for over thirty years. Their customer service is second to none and you can speak to a UK based person every time you call who always resolves your query. Never had any problems with them during this time. Their products are competitive, particularly the regular savings account. Reviewed on: 27th September 2023

Great Bank,.First Class Service

Have been with First Direct for over 15 years, always helpful, friendly & knowledgeable. Hassle free banking Reviewed on: 5th September 2023

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