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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

I've been with FD for many years

In contrast with my experience with banks with branches on the High Street, I have found their staff always polite and helpful Reviewed on: 19th February 2023

Simple yet effective

It just does what it needs to - I can easily see my balance, transfer funds and pay for things in life. Reviewed on: 15th February 2023

It used to be amazing but it is still better than most

It is definitely not 24/7 anymore as lots if departments are no longer open late at night. Reviewed on: 14th February 2023

no fuss

everything simple, everything online and a very simple app! Reviewed on: 9th February 2023

Modernised brand

They have really modernised their banking and are competing with online only banks, I have very recently opened up an account with the switch incentive. Customer service seems really good and I am pleased so far Reviewed on: 9th February 2023

Stay away

We opened current account when they first launched, we had wages paid and all worked well for over year, out of the blue we got told we where not suitable customers and not what they wanted as customers and closed our account, told us to move our money, the account had always been in credit, but they wanted higher wage earners. Reviewed on: 8th February 2023

Superb Service

Helpful customer service whenever needed. Secure useable app makes the account very easy to use. Reviewed on: 8th February 2023

Easy to use account

I’ve had an account for many years and never needed to go elsewhere, perfect for my needs Reviewed on: 8th February 2023

Great company

Great company. Easy to interact with. Simple to use app and easy to transfer money etc. Reviewed on: 8th February 2023

Best Bank Ever

Amazing Customer Service Treated as humans and not as robots Reviewed on: 8th February 2023

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