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first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1451 reviews)

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4.73

Based on 1,451 reviews, last reviewed 25th Mar 2026

8700% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Great online banking. Great online banking. Very easy to set up. Reviewed on: 25th March 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.

first direct Current Account reviews (1451)

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 service

I can highly recommend first direct, I have banked with them for over twenty years with no problems. Reviewed on: 29th March 2022

A great bank with ease

A great interest rate on my overdraft and nothing is ever too much trouble. Offer great services too Reviewed on: 28th March 2022

First To Deliver

Been with FD for many years and have always found them to be excellent! Helpful, supportive, and flexible everything you need in a bank! Well Done First Direct!! Reviewed on: 28th March 2022

Reliable for all banking services

First Direct staff are always available by phone and provide a first class service that is not restricted by use of an app. You can always choose to chat with a human! Reviewed on: 27th March 2022

Brilliant Bank

First Direct are in a class of their own where traditional banking is concerned. The customer service is always faultless and I've been with them since 1996. They would be my clear favourite if Monzo hadn't appeared in 2015. The only reason for the missing star is FD's technical inertia compared to the new fintech banks. Reviewed on: 25th March 2022

Brilliant service no other bank seems to be able to match

Just brilliant customer service Reviewed on: 24th March 2022

Nice way with customers, shame about funding fossil fuels

Have used fd since they started (1988 ?). Generally very good phone service; on line not so great. Biggest issue for me is HSBC (fd's parent company) funding fossil fuel projects. I'm not up to that so thinking of moving to Triodos who are excellent (we bank with Triodos at work). Cheers, J/. Reviewed on: 16th March 2022

Easy, efficient, informed

I would recommend FD as the service is easy to use, calls are answered in 2 rings and the staff are clear and knowledgeable Reviewed on: 16th March 2022

Excellent, reliable service

Have banked with them for years and still as reliable as ever. Removes banking stresses. Reviewed on: 13th March 2022

Not a great bank Do not use

Was happy open an account with them, I then transfer 200 from another account next thing I know account was frozen and then close with no reason.. Reviewed on: 13th March 2022

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