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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

Good, efficient current account service

Been very happy with the service since transferring from Smile Reviewed on: 1st February 2023

Excellent Online Banking

I have been banking with First Direct Bank for many years and it has always provided an excellent service. Reviewed on: 1st February 2023

Amazing Customer Service

First direct customer service can't be beaten. I can always get through to someone immediately if I need to and the app is so helpful Reviewed on: 1st February 2023

Great Bank

Customer service is so good on the phone. I’ve phoned a couple of times for different reasons and super helpful each time. The app is simple and easy to use and the other savings account products are good in comparison to other big banks. Reviewed on: 1st February 2023

GREAT CUSTOMER SERVICE

GREAT CUSTOMER SERVICE EVERY TIME. ADVISORS ARE ALWAYS POLITE AND HELPFUL Reviewed on: 1st February 2023

Always helpful

We have had First Direct accounts for many years during which time naturally we have had queries and problems. These concerns are always dealt with quickly and efficiently with the help of friendly and helpful customer service reps. An excellent bank with a clear and easy to use online service. Reviewed on: 1st February 2023

Great customer service and online security

Always helpful staff, good online security. I feel I can trust First Direct Reviewed on: 1st February 2023

Five Star Bank

I have been with First Direct for over 30 years and I am still a satisfied customer. Excellent customer service and great online account access. Reviewed on: 1st February 2023

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

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