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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1493 reviews)

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4.74

Based on 1,493 reviews, last reviewed 14th Jun 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Don't be unsure like I was! Was unsure when I changed over 3 years ago. They handled transfer and it was all plain sailing afterwards. Haven't looked back. Well done. Reviewed on: 14th 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 (1493)

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

Always responsive.

The phone is always answered promptly; how many companies can you say that about! You never hear the dreaded phrase 'we are experiencing high call volumes'. Reviewed on: 16th April 2026

Customer for more than 20 years and would never switch

I've been a customer of First Direct for over 20 years and have never switched to another bank (for an incentive) because the service is so good. It's easy to bank online, by phone or on the app. I also have power of attorney on a family members account and setting that up and managing their money could no be easier. I would very happily recommend First Direct to anyone. Reviewed on: 16th April 2026

Great app and easy to access information I need

Great app and easy to access information I need Reviewed on: 14th April 2026

I like the feeling free overdraft

I like the feeling free overdraft Reviewed on: 11th April 2026

Happy long-term customer

I’ve been a mortgage customer for over a decade. Can’t fault them. App and phone service always excellent Reviewed on: 31st March 2026

Customer service is excellent

Customer service is top notch and I value being able to speak with a real person quickly and easily over a chatbot. Never had any difficulties with them. I used to switch my current account yearly to take advantage of joining offers but since joining first direct I haven’t switched as they are so much better with communication than any other bank I’ve tried. Reviewed on: 29th March 2026

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