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first direct: Current account reviews

Name: Current account
Rating: 4.738801501739562624 (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.

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first direct Current account reviews (1494)

Very impressed with customer service

Call’s always answered quickly, staff never rush or dismiss you but make every effort to help. Reviewed on: 14th March 2023

Absolutely useless

Lied to, messed about. Given an account via their online process but can't open joint account online. Then lied to about changing it to a joint account and doing the application over the phone with the most condescending and patronising person I have ever dealt with we were told we can't have a joint account because you are a business, which we are not. They clearly have useless processes, very unprofessional staff and are just unbelievably bad Reviewed on: 13th March 2023

easy banking

Opened a new account and used their switching service and all went smoothly. First few weeks of banking have been super easy. banking at my fingertips Reviewed on: 11th March 2023

Excellent customer service

I made a switch to first direct in November, taking advantage of the reward for switching. Sign up was easy, and although there was an issue with verifying my address due to the house having a name in some places and just the house number in others, I was able to call up, speak to an adviser very quickly and sort this out. The app is easy to use and although there is no branch to walk into to get things sorted, I feel like phoning up isn't an issue as I don't need to wait in a queue for ages to speak to someone. Really pleased I made the switch and they automatically sorted out the transfers of my direct debits etc. I have had a great experience and it was well worth the switch. One happy customer right here. Reviewed on: 11th March 2023

Easy to use and helpful

I have been banking with First Direct for a number of years, over 20, and always found them helpful in opening other accounts such as savings. If overdrafts are required they are also amenable. Reviewed on: 11th March 2023

Great service

Great service via call centre. No fees. Reviewed on: 10th March 2023

Great incentive bonus when switching

Switched from Santander due to the £175 incentive bonus, which arrived really quickly within 2 weeks of the account opening. Everything transferred smoothly and the app is a lot better. Highly recommend. Reviewed on: 10th March 2023

Great customer service, and app

It just works. Top marks for customer service; ease of use and the app. Reviewed on: 10th March 2023

Since 1993 and still the number 1

It’s been 30 years since I joined the First Direct revolution in banking and it’s exactly that. The unrivalled level of service has continually outstripped any other banks I have used and there’s been a few. Always they’re always helpful alway ready to go that one step further. Truly 24/7 banking since 93 - they are so good I would have bought the company if I had the money!! Reviewed on: 10th March 2023

Good but service has deteriorated in recent years

Have held a first direct account for over 27 years. Still good but service not as good in former years. Time to answer phone much longer. Poor interest rates except on regular savers account. Reviewed on: 10th March 2023

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