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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1494 reviews)

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4.70

Based on 1,494 reviews, last reviewed 16th Aug 2026

90% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Excellent service, good app, very reliable Been with First Direct for over 30 years. We now bank with them online but occasionally still need to talk to them by phone and they’re always quick t... Read more Reviewed on: 16th August 2026

Latest lowest rating:

1

Stranded Abroad With 2 Young Kids. I switched from NatWest to First Direct. I regret it. I moved an account from NatWest to First Direct partly because of its reputation for customer s... Read more Reviewed on: 10th August 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

Current

Excellent 24hr bank service, lots of other products Reviewed on: 16th March 2023

Excellent service, quick response

I always get the answers I am looking for and always speak to an actual person in a very short time. Reviewed on: 16th March 2023

Great customer support

Always on hand to help over the phone. Reliable app. Just feels a little behind in offering the best easy access rates and smart banking features. But those are secondary to the stability and reliability of the products they offer and easy access to support at any time of day. Reviewed on: 16th March 2023

Passed it's best

Good customer service used to compensate for poor rates. However, both are now poor. Reviewed on: 16th March 2023

Long term customer

Always a person on the end of the phone when you need them and you can do just about anything in the app apart from pay money in, cheques you can. Reviewed on: 16th March 2023

Excellent customer Service

First Direct have UK based call centres. They are really helpful and friendly. Reviewed on: 16th March 2023

Not the new kid on the block anymore

I've been a customer with First Direct since it started in the 90's. I chose it because it was innovative and forward thinking and very different back then. Today in 2023, things are different, there are new banks and offerings with 21st century technology that are more innovative than First Direct. I have toyed now for a couple of years to switch my main account, as I manage everything online, rarely speak to the bank and to be honest don't need to be told they have the best customer service. The reason for staying, is stability, however I don't use my main account for daily spend, I transfer money to other offerings that provide me cash back, incentives and don't charge me for foreign transactions. What I would rather First Direct focus on is their marketing campaigns to me, because I don't think I am their demographic they want to attract any more. They know I am a man in my 50's, they know my spending habits etc. so why send me things that are totally irrelevant! I would prefer they use their thirty years of data they have on me and demonstrate they do have products and solutions that I might be interested in. So First Direct, my question to you is, do you want to keep your loyal customers that have banked with you for nearly thirty years because it doesn't look that way. Reviewed on: 16th March 2023

Our favourite bank

We have been with FD since 1994 and believe that for customer service they cannot be bettered. Reviewed on: 16th March 2023

Excellent Bank

Great Bank, friendly and efficient Reviewed on: 16th March 2023

Friendly telephone service

I do most of my banking via the FD App but on the odd occasion I need personal help I find the telephone service excellent. Staff are friendly, helpful and efficient. Reviewed on: 16th March 2023

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