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first direct: Current account reviews

Name: Current account
Rating: 4.73 (1489 reviews)

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4.73

Based on 1,489 reviews, last reviewed 8th May 2026

16% increase 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

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

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 (1489)

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

Top bank

Simple, straightforward current account, set up on my behalf through the switcher service. Easy to navigate online banking. Cash reward at time of joining. Linked regular saver with highly competative interest rate. Reviewed on: 31st January 2023

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

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