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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

2% 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 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 (1494)

First Direct was great, sadly no longer

First Direct used to be great however it's not kept up and is more like just a fairly average online bank. You can't invest in HSBC funds - only share dealing. They don't listen to customer requests or feedback - savings pots were asked years before the challenger banks but still aren't available. Fewer people use telephone customer services and you can use HSBC branches if there's still one available locally. Current accounts still don't receive interest or cashback on purchases or bill payments. First Direct no longer seem to be interested in being innovative or standing out from the feet dragging traditional banks. Reviewed on: 23rd February 2024

Great customer service based in the UK

Great customer service based in the UK Reviewed on: 22nd February 2024

Helpful and straightforward

Always there with helpful advice and they fix things if there is a problem. Good mortgages. Takes the time to get it right. Reviewed on: 21st February 2024

Great service!

I have been with first direct a number of months now and it has been a great experience. Using the current account switch service was seamless and the contact with first direct was great. When I have had to contact them for customer service enquiries, these have been easily solved via their chat feature on the app. Reviewed on: 20th February 2024

Great rates, practical features

I used the switch service to open my First Direct account, so I could access the 7% regular saver account - the best rate I’ve seen for ages. I got a cheque shortly afterwards and found that none of the challenger banks I used could process a cheque in the app, and I’d have to post it off. Luckily, First Direct have a great feature for processing scans of cheques in app, and it had cleared within 2 working days. I was super glad I’d opened the account! Reviewed on: 19th February 2024

Superb customer service.

Superb customer service. Always someone to talk to on the phone and so so friendly and efficient. Never been fobbed off - they really deserve to win! Reviewed on: 19th February 2024

Amazing customer service.

Amazing customer service. Easy app to use Reviewed on: 18th February 2024

Progressive innovative modern easy to use app

Progressive innovative modern easy to use app Reviewed on: 18th February 2024

No complaints, amazing and responsive customer servi...

No complaints, amazing and responsive customer service, took out additional products which were always very prompt and hassle free Reviewed on: 17th February 2024

Thanks 1st direct

moved to them after 40 years with lloyds never look back Reviewed on: 17th February 2024

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