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first direct: Current account reviews

Name: Current account
Rating: 4.73 (1492 reviews)

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4.73

Based on 1,492 reviews, last reviewed 14th Jul 2026

67% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

fd - hassles free internet banking No hassle, to steal a line from another no nonsense product, it does exactly what it says on the tin Reviewed on: 14th July 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.

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first direct Current account reviews (1492)

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

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

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