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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

First class service

Prompt at answering the telephone with a friendly English-speaking operator, from the UK. Reviewed on: 4th April 2022

Really Easy To Use

Always really easy to use on line or by phone. Rarely have any issues but on the odd occasion there has been it was always sorted out quickly, correctly and with an apology Reviewed on: 4th April 2022

Amazing Customer Service, Limited Perks

Customer Service from First Direct is always spot on, probably the best out of all the banks. They also offer a £250 interest free overdraft which we rarely use but is a good piece of security if needed. Only downside is that they don’t offer any cashback or rewards by shopping at certain companies and you can only carry out in-person tasks at HSBC branches. Reviewed on: 4th April 2022

Great customer service but app needs improvement/!

Always received excellent customer service,however the app is often difficult to navigate and not user friendly. Reviewed on: 4th April 2022

Fantastic Service and good app

I switched to First Direct around 12 months ago. The switch was very straightforward and communications excellent. Very good online banking app. I have used the customer service helpline and received an excellent service. Reviewed on: 4th April 2022

Fab First Direct

I switched to First Direct 10 years ago and have never had a problem with them. The app is really simple and easy to use, I couldn’t recommend them enough. Reviewed on: 3rd April 2022

Very happy

Excellent customer service, the app works well, clear emails, yet to discover any hidden fees. To be honest, First Direct has provided me with the best customer service of any company that I have dealt with here in the UK. Reviewed on: 3rd April 2022

Always there for you

Great service, I've been with them for years. I had a couple of problems with non receipt of goods I'd ordered and they refunded me immediately. Reviewed on: 3rd April 2022

Good telephone banking service

The callcenter staff are knowledgeable and= helpful. Sometimes there is a bit of a call waiting time. Reviewed on: 3rd April 2022

Amazing customer service

I've had very little reason to contact First Direct in the past, because the service is so excellent, however when I have spoken to anyone they have always been very helpful and friendly. I would not bank with anyone else now. Reviewed on: 3rd April 2022

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