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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1427 reviews)

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4.71

Based on 1,427 reviews, last reviewed 23rd Mar 2026

6400% 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

First Direct don't patronise the customer base with... First Direct don't patronise the customer base with chintzy, photos. So the website is good. Current account is excellent. Use of account abroad i... Read more Reviewed on: 23rd March 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 (1427)

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

Friendly Banking

First Direct are the customer focused bank for those who wish to manage their account online but with support on hand when needed. No waiting in queues and first class service from First Direct. Reviewed on: 4th April 2023

Very good customer service

Connected quickly and always helped resolve my problems Reviewed on: 4th April 2023

Great customer service, great App

Pick up the phone and they're always there answering within minutes usually. The app is very intuitive and has many great features Reviewed on: 4th April 2023

Good customer service

My experience after a couple of years is that this is a solid account, backed up by good customer service but an over zealous fraud team. It’s not unusual to get multiple transactions flagged for follow up, sometimes in the same week and have to wait hours for a call.. Slows things up. So, solid but not quick. Reviewed on: 3rd April 2023

Faultless

Very good app, fast and secure transactions, always someone on end of phone if needed, great communication, faultless can't find anything negative to say. Reviewed on: 3rd April 2023

Intelligent humans answer the phone!

First Direct's formula is very simple: intelligent humans answer the phone! It's a mystery why other banks choose not to compete with First Direct's model. These other banks actually think we like to have the phone answered by a computer, and, after an infinity of menus, connect us with a barely-competent person who behaves like a computer. Keep it up FD! Reviewed on: 3rd April 2023

Best Customer Service

I've used first direct for years. They may not necessarily offer the best perks, but my god if there is ever an issue they are the people I want on my side. Whenever you call them they answer quickly, no machine, and are the best most capable and helpful of any organisation I've ever rung. For me they are the ideal current account provider. I may choose other savings or investment accounts to store some money in in order to get better perks. But I want first direct and their can do attitude at thr centre of my banking system when I want to get things done Reviewed on: 3rd April 2023

So nice you do not realize they are a bank

First Direct has always been an incredibly helpful and serviceable bank to do my personal banking with. I have always wanted them to be my business bank as well. Staff are extremely helpful, very well trained and cannot do enough for you as well as being available 24 hours a day, 365 days a year. They answer the phone with a smile, which is rare in the banking world. They are the first bank that I know to have voice recognition, so you don’t need to waste time and energy going through security questions. I have banked with them for the last 30 years and have never been disappointed. Why can’t all banks recognize that we are customers and human beings, and treat us the same as First Direct treat their customers. Reviewed on: 3rd April 2023

Great service

Friendly and helpful team. Thanks! Reviewed on: 3rd April 2023

Does the job. No hassle.

It works. Good app, website and phone service. Does what you want. What more do you want? Reviewed on: 3rd April 2023

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