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first direct: Current account reviews

Name: Current account
Rating: 4.73 (1489 reviews)

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4.73

Based on 1,489 reviews, last reviewed 8th May 2026

20% increase 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

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 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 (1489)

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

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

I have been with first direct for years

I have been with first direct for years and years, they have never let me down. I love being able to actually talk to a person, customer service are always manned by lovely, patient staff. Reviewed on: 16th April 2026

Efficient bank with responsive customer service and...

Efficient bank with responsive customer service and user-friendly, well designed app. Good rate offered too in regular savings account, and free ATM withdrawals abroad. Reviewed on: 16th April 2026

They have been fantastic with me every time I need t...

They have been fantastic with me every time I need to rank or complain to bank Reviewed on: 16th April 2026

A truly easy and effective banking experience

I’ve been very pleased with the ease of dealing with this company. Their online banking service is simple to navigate and their customer service is first rate in the rare occasions that I need help that can’t be sorted digitally. Reviewed on: 16th April 2026

Always there to help when needed.

Always there to help when needed. If I request any information or a service. They are always there to help! Reviewed on: 16th April 2026

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