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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

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4.71

Based on 1,425 reviews, last reviewed 24th Feb 2026

6100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Always there when I need them Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notification... Read more Reviewed on: 24th February 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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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 (1425)

Review of the first direct, Current Account:

all good no problems so far.

all good no problems so far. i think they are simple to get in touch with and their customer service is good. Reviewed on: 26th February 2025

Setting up a paye

I setup a payment to my Santander ISA. Not only was it easy the call handler David made sure that I was not a "SCAM". So I am sure that my money is safe in their hands. THANK YOU. Reviewed on: 12th April 2023

Wouldnt go anywhere else

First direct is now my main bank after banking with both HSBC and Halifax and it’s head and shoulders above the rest of the banking world. The app is easy to navigate and the customer service is the best around, with quick and thorough replies! Reviewed on: 12th April 2023

They bring a human touch to banking

Best bank ever! Love their customer service and products Reviewed on: 11th April 2023

Great customer service

Customer service is always helpful and considerate. Reviewed on: 11th April 2023

Direct banking and more

Easy to open additional savings accounts. Customer services were there when needed them and they sorted out the issue. If your thing is security I doubt you'll find a better place for your data. Reviewed on: 11th April 2023

Better than legacy banks, still behind on challengers

Not had any issues and any time I have had to get in touch has been great customer service. I feel as though their model of having no branches is somewhat behind the challengers which are online only, given that a lot of things they do still require paper and post (even setting up a direct debit to pay theor own credit card) which is just bizarre. Other than that haven't any complaints. Reviewed on: 11th April 2023

Always there

I have been with this bank for many years now and although they have refused me for a loan or credit card,, as a bank account they have been great, they have spotted a few fraudulent items on my account and have helped without question when I queried transactions I didn't recognise, refunding me and sorting out any issues Reviewed on: 11th April 2023

sound bank

been with them for 10 years and always had excellent service Reviewed on: 11th April 2023

Customer focused

I have now been with the bank for many years and always been efficient and friendly. Reviewed on: 11th April 2023

Exceptional long-term telephone banking

Can’t fault the telephone banking service in particular for this account I have held for probably 20 years. The wait times are never lengthy, in fact always prompt. The format for using the facility is simple, effective and swift- I would recommend it to anyone who wishes to engage with a human on the telephone, every time, for their banking Reviewed on: 11th April 2023

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