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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

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4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% 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

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th 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 (1495)

Review of the first direct, Current account:

Simple but effective

Although they lack high street locations they have the best customer service available and you can use the post office to pay in cheques etc Reviewed on: 22nd November 2019

Excellent banking features

As well as offering a great app to access all my banking needs they have a great customer service should you need to contact them. The calls to them have always been easy to get through to them and there support in answering queries or helping as been outstanding. Reviewed on: 9th March 2023

Fantastic First Direct

The app is great, customer service top notch and offers varied. Reviewed on: 9th March 2023

Always there

Every time I try to contact First Direct, I alway get through with minimal rings and a cheery helpful person on the other end. That person firstly listens to what I am trying to ask, clarifies it and then proceeds to answer in the most easy to understand way. This is true for all my 1st account queries. Thank you First Direct Reviewed on: 9th March 2023

One of the First to take the plunge

I have been with FD almost from the start, I have never had a problem with running my accounts. FD have always lead the way from telephone banking to introducing Apps with AI technology so I always feel my money is safe. Reviewed on: 9th March 2023

Honestly a really good bank

After being with another bank for about 10 years and never being satisfied, I switched to First Direct last year and have been genuinely surprised with everything since. The mobile app is really well built and easy to understand and it’s made my so much better at managing my money. I’ve had to speak to customer services on a few occasions and they’ve been helpful, polite and reassuring every time. Reviewed on: 9th March 2023

Have never let me down

FD have maintained my 0% £250 overdraft right through the pandemic when I needed them most they supported me. Reviewed on: 9th March 2023

Brilliant bank

excellent customer services 24/7. efficient, reliable customer-centred bank. Reviewed on: 9th March 2023

Always care

Been with First Direct for few years after leaving another bank whose staff just didn't seem to care when things don't always go right. I have found First Direct Bank staff when I've spoken to them to be caring considerate and willing to help. Reviewed on: 9th March 2023

Best Service Ever

I’ve been with various banks throughout the years, but First Direct has definitely been the best. Their customer service is second to none, range of products and regular updates are to be available applauded Reviewed on: 9th March 2023

Regular saver is great

I specifically opened the account for the 7% regular saver which I’m happy to have during the cost of living crisis. The account seems ok although I wish the app had push notifications for when money comes in/leaves the account as I find I have to check it a lot to see what my balance is. It’s a shame that you also can’t put notes on it like on Monzo to remind you what a purchase was. There is a tag function but it isn’t much help. Reviewed on: 9th March 2023

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