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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:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

Superb customer service, excellent app, the perfect...

Superb customer service, excellent app, the perfect bank! I can do everything I need to do via the app and their approach is fantastic. Every customer service agent I have ever spoken to has been excellent. Reviewed on: 15th April 2024

Brilliant current account

I had held my previous current account for 30 years. First direct's current account switch offer seemed too good to be true but I knew people with accounts with FD and decided to try something new. I couldn't be happier that I did. The switch was simple, done cleanly and the offer was paid when I was told it would be. Really great experience with the company, everything is done through the simple to use app. I t is a joy to bank with FD. Reviewed on: 15th April 2024

Great app banking and customer support

Great app banking and customer support Reviewed on: 15th April 2024

First customer service

Easy to use app and great customer service Reviewed on: 15th April 2024

So disappointed

I used to think First Direct had good customer service until I really needed it. I had been with them for about 20years. I fell victim to emotional fraud. It was such a horrible and persistent scam. They had no calls saved that’s how I made payments. They said because the payments were small there was nothing they could do. If the crook had been less clever or I had been richer they would have helped!!! I was never expecting full return just a nod to the fact that they were involved. They gave nothing. What made me mad is when I switched as a result they started asking me security questions. They were also sending me spin the wheel prize offers. They have the money to give people gambling prizes but not to compensate where they couldn’t help keep a customers money safe from fraud. Reviewed on: 13th April 2024

There is aways someone at the end of the telephone.

There is aways someone at the end of the telephone. Excellent customer service Reviewed on: 12th April 2024

Great customer service.

Great customer service. Great app. Always friendly. Reviewed on: 12th April 2024

Interest free overdraft and rapid response times

In my experience, I have found that First Direct have the fastest customer service live chat response times, being almost instantaneous. Having banked with almost 9 service providers, this is the fastest I have come across. Not to mention, they have a £250 interest free overdraft and no fee spending abroad. The highest interest free buffer of any bank in the uk. Reviewed on: 12th April 2024

A solid bank

I have banked with First Direct for years and they have always been really very good. Good customer services, with a decent app. I do feel they have left their leading edge a little, and I did have a bad experience with them when trying to get a loan from them - they tried to charge me 2% over the advertised rate despite having an excellent credit rating. (I used Tesco Bank in the end for an even cheaper rate than FD offered. Reviewed on: 12th April 2024

Great bank, short wait for customer service.

Great bank, short wait for customer service. Reviewed on: 12th April 2024

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