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first direct: Current account reviews

Name: Current account
Rating: 4.738627204214711730 (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

Secure Banking

Phenomenally secure banking with an extraordinary level of customer service. Used as a core bank account that I’ve actively not switched from despite money offers due to its reliability, clarity and security. Reviewed on: 28th February 2023

Best Customer care in 30 plus years of banking

Finally a couple years back as a 50-something decided I needed to try online banking. FD were the most clear and transparent about their services and how it worked. Especially about online security procedures. Joining was easy and a couple of minor queries were dealt with over the phone with extremely helpful and courteous operators. I've been very reticent about online banking for many years but First Direct have been excellent IMO. Reviewed on: 28th February 2023

Fantastic app and chat bot

First Direct's app is exceptionally easy to use. The chat bot is leagues above others I have tried. I have sorted out so many questions I had with moving abroad and it was so easy to get expert advice. Reviewed on: 28th February 2023

The best bank ever!

I’ve been with Firsr Direct for around two years, and couldn’t be happier. Every time I’ve needed to contact them, they’ve been super helpful and friendly - more like calling a friend than a bank - and have made everything really easy and straightforward. The App is great too and easy to use, plus they offer other benefits such as a savings account and an interest-free overdraft. Reviewed on: 28th February 2023

First Direct

Great account, fab service and clear communication Reviewed on: 27th February 2023

fantastic

easy to use interface, no frill but best banking experience Reviewed on: 27th February 2023

Best Bank I have ever used

Since I transferred to this Bank I have been very well treated Reviewed on: 26th February 2023

Already recommended to family

The process for opening a new current & savings acct, along with mobile and online was incredibly slick and efficient. Having phoned the call centre once, the call was answered quickly and my query handed efficiently and professionally, with no hassle. Reviewed on: 25th February 2023

Poor

Whoever i speak to doesn't seem to have a clue. A simple query about deactivating the app so I can set it up on a new device took 11 minutes. The person I spoke to had me on hold for about 6 minutes then started reading from what sounded like a script. They didn't listen to what I had asked Reviewed on: 25th February 2023

Great, Easy to use account

Straightforward, easy to use, both online and in the app. Reviewed on: 24th February 2023

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