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first direct: Current account reviews

Name: Current account
Rating: 4.74 (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.

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first direct Current account reviews (1494)

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

Accessible

I have been with First Direct for a long time and I would have given them 5 stars and 10 out of 10, however they are pushing me to the App. I was happy with the website log in and don’t like Apps, so I may have to switch banks now. Reviewed on: 16th January 2023

Beyond helpful every time

Any time I’ve needed to speak to first direct, I’m never waiting on hold, I speak to someone approachable and helpful, they help me resolve my issue and answer any of my questions but most of all, they’re always human and talk to me like a human, and that makes it so much easier to talk to them about any struggles or debt/over draft issues and find a resolution. Thank you first direct team. Reviewed on: 16th January 2023

Best bank

Excellent customer service. Reliable and easy to use website and app. Reviewed on: 12th January 2023

Simple banking done right

Everything works! But most importantly, when things go wrong, the guys on the phone are amazing Reviewed on: 12th January 2023

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