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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1494 reviews)

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4.70

Based on 1,494 reviews, last reviewed 16th Aug 2026

90% 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

Excellent service, good app, very reliable Been with First Direct for over 30 years. We now bank with them online but occasionally still need to talk to them by phone and they’re always quick t... Read more Reviewed on: 16th August 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 (1494)

Review of the first direct, Current account:

Simple but effective

Although they lack high street locations they have the best customer service available and you can use the post office to pay in cheques etc Reviewed on: 22nd November 2019

Excellent service since those early days !

Having traded since their original opening as an established bank, as a subsidiary of HSBC, the remote telephone only and subsequent on line banking as been exemplary. Delighted with their personal service and handling of our accounts . Reviewed on: 26th February 2025

Never pushy and never force me to "go online" like s...

Never pushy and never force me to "go online" like so many businesses these days. Friendly call centre staff Reviewed on: 26th February 2025

Never had an issue, UK based support, plenty of peop...

Never had an issue, UK based support, plenty of people in hand Reviewed on: 26th February 2025

Great customer service

No waiting when contacting by phone. App very easy to use. Good free overdraft facility Reviewed on: 26th February 2025

First Direct for excellent customer service

Have been a customer of First Direct for around 30 years and have never had any issues. I have therefore stayed with them despite monetary incentives to move elsewhere. Reviewed on: 26th February 2025

Excellent Service

Excellent service, communication exellent, online support excellent, very clear as to how to do everything, great app Reviewed on: 26th February 2025

Very responsive and courteous

Always respond promptly, courteously and patiently to any requests or queries I might have Reviewed on: 26th February 2025

First direct current account

I first switched to first direct just over a year ago and have since found it to be a great platform. The switching bonus was nice but the platform itself provided useful insights and easy and straightforward applications to other first direct products (saver accounts etc) Reviewed on: 21st February 2025

App is a bit dated but great overall

App is a bit dated and they’ve only recently added modern features like push notifications but works well as a bank and customer service is always excellent. Reviewed on: 17th February 2025

Brilliant bank been with them since midland bank end...

Brilliant bank been with them since midland bank ended- fabulous service and great app Reviewed on: 5th February 2025

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