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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1493 reviews)

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4.70

Based on 1,493 reviews, last reviewed 10th Aug 2026

92% 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

fd - hassles free internet banking No hassle, to steal a line from another no nonsense product, it does exactly what it says on the tin Reviewed on: 14th July 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 (1493)

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

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

Always there when you need them

Access via website or mobile app access is available any time of day or night. Always helpful and there when you need them for service! Reviewed on: 27th March 2026

First Direct are First Class

I have banked with First Direct for 30 years and have never had an issue. Their customer services team/advisers are excellent and always helpful and knowledgeable. Their banking app is easy to use and intuitive and 99% of the time you can find the answers to any queries. If not you can always get through to someone on the phone.I would 100% recommend First Direct to anyone. Reviewed on: 26th March 2026

Excellent customer service staff who value customers

I have experienced financial difficulties over the past year and First Direct have been very helpful and accommodating with my situation. I will remain loyal to them due to their excellent customer service who are always on hand to help, thank you and well done Reviewed on: 26th March 2026

Efficient banking with great customer service!

Moved from Lloyds a while ago, and the upgrade in customer support was immediately felt. Transfer was slick, the welcome comprehensive and the subsequent service excellent. Transferring money is subject to a well balanced check, including checking the targets account matching. Only had to phone their support service twice and both queries dealt with in a friendly and satisfactory way. A modern slick bank account that watches out for you. Highly recommended. Reviewed on: 26th March 2026

Great online banking.

Great online banking. Very easy to set up. Reviewed on: 25th March 2026

Our kid wrote

Excellent service! They go the extra mile to help! Reviewed on: 25th March 2026

excellent service

They are quick to respond to any query and are excellent in directing someone who is not tech savvy. They are very patient , giving clear understandable directions and always check that I have understood and that they have fully resolved my issues. Reviewed on: 25th March 2026

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