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first direct: Current Account reviews

Name: Current Account
Rating: 4.74 (1488 reviews)

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4.74

Based on 1,488 reviews, last reviewed 5th May 2026

20% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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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 (1488)

Friendly, secure a good all round bank

One of the highest paying switching bonuses, a couple of times when needed to contact them it took less than 5 minutes and were always incredibly friendly and helpful. Reviewed on: 31st January 2023

Stress-free

Never any problems, customer service excellent when required, app is useful and easy to navigate. Reviewed on: 31st January 2023

First class

Been with them for over thirty years and never found any reason at all to want to move. Excellent Reviewed on: 31st January 2023

Excellent

Very reliable service and good interest rate Reviewed on: 29th January 2023

Easy online services and transparency

They’ve been a great bank for me. I’ve not needed to visit branches before due to all of their useful services being provided in a digital format that is user friendly. The rates of interest on savings aren’t very good but that is generally the climate I believe. Reviewed on: 29th January 2023

Lack Luster

No online app facility to request overdraft increase. Spent 40mins on the phone (whilst working) with 4 separate agents to go through the process of being reviewed only to be told i would have to await a notification on the decision within a further 48hours. In comparison to whom my partner banks with (i wont name as i am not here to promote), they have a straight forward online app request function that provides an immediate answer. Nothing against each of the agents i spoke with as they provided the best customer service they could. Unfortunately this is let down by the overall process itself taking far too long. Reviewed on: 27th January 2023

Excellent customer service

Banked with First Direct for many years and cannot fault them for customer service Reviewed on: 19th January 2023

First Direct

Amazing customer service and easy to use app Reviewed on: 19th January 2023

Always patient, helpful and professional

Always there at the end of a phone when needed. They’ve really earned my loyalty Reviewed on: 18th January 2023

A1 customer service

Been with them for over a decade - and in the few times I have needed to contact them they have been swift and clear and above all very helpful Reviewed on: 18th January 2023

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