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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1358 reviews)

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4.68

Based on 1,358 reviews, last reviewed 29th Oct 2025

100% 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 generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025

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 (1358)

Been with them since they started. Not a single complaint in over 30 years

Love them. Real people who are empowered. Systems work. Reviewed on: 11th April 2021

Brilliant

Love this account, the text message alerts are brilliant. I love first direct in general. Their customer services is the best I’ve ever used. They talk to you in a way that can easily be understood. Highly recommended Reviewed on: 10th April 2021

Excellent Service

I have banked with First Direct for over 30 years and the service is excellent. The information provided top quality and you can access on line and over the phone 24/7. Reviewed on: 9th April 2021

Top banking

Excellent and efficient banking any query is sorted in minutes Reviewed on: 8th April 2021

Best UK bank by far

I have had my account with first direct for 23 years and have never had a reason to complain. Reviewed on: 7th April 2021

Great customer service

Always quick to answer the phones, deal with requests and super helpful Reviewed on: 4th April 2021

Fantastic

Excellent friendly banking service, easy to use app and the customer service is second to none. Reviewed on: 3rd April 2021

Reliable but not earth shattering

I have banked with HSBC for 35 years and First Direct for over 20. I liked the telephone banking service and the branding and the innovation of the business as the time. There is a push now towards digital banking and away from calling and I feel a bit side lined. However whenever I do speak to a customer service person the service is always good. I think the online banking space is a worry for many people from a security perspective. I do find my Starling business bank account on mobile to be easier to navigate than FD. Reviewed on: 1st April 2021

Best customer service by miles!

First Direct are the best bank I've ever used - by miles! Their customer service is second to none. Whenever I have problems It's a pleasure to speak to their staff; the friendly and knowledgeable experts quickly resolve any issues. Reviewed on: 29th March 2021

Always there to help!

As a personal customer of First Direct, I tend to do most transactions via the app or online. On the few occasions I have needed to speak with someone, I've been impressed by the way that my calls were answered quickly (by a human) and that person took ownership of my query to resolution, rather than passing me around different departments. I've tried other banks, including some private offerings, and find First Direct better than all of them! Reviewed on: 29th March 2021

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