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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

5% decrease 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.

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

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

Simple and effective

Just a great back with great products and no nonsense. The app is great and I've never had an issue in the eight years I've banked with them. Reviewed on: 3rd April 2023

Brilliant company

Firstdirect have the best savings account with added interest and excellent cashback deals for switching banks. Reviewed on: 3rd April 2023

Should be easier

I have been with FD almost since inception ands whilst not being trouble free most issues have been sorted quickly and amicably. General banking experience has to be five stars but FD is let down by it's Ap' and online banking interface. Ap' is somewhat limited and the online Log-in is so complex rendering it useless to me. But the phone banking is as good as ever. Reviewed on: 3rd April 2023

Excellent service

Very polite customer representatives Reviewed on: 31st March 2023

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