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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

All banks should be like FD

Have banked with FD from its inception, and have never experienced any problems, always there too help in a very friendly & courteous manner 24/7. No menu too wade through, a human being answers the phone promptly. And their online banking is spot on. Reviewed on: 11th February 2022

Retail Banking At It's Best

After banking with other retail banks, let's say our expectations were not high! We opened a joint account and were pleasantly surprised by First Direct's excellent banking service. We have been customers for 7 years now and have no wish to move anywhere else. Excellent customer service, by humans who answer within 3 rings, excellent banking products and an on-line banking service that is completely stress free and a joy to use. It's the gold standard other banks should take note of. Reviewed on: 10th February 2022

Excellent Service

We have banked with first direct for many years and are extremely satisfied customers Reviewed on: 5th February 2022

Brilliant

FD is available, approachable, efficient, polite and safe. Reviewed on: 29th January 2022

1st Direct review

Easy online banking, great telephone support. Reviewed on: 29th January 2022

Good Customer Service

Have always found the UK-based customer service staff I've contacted by 'phone to be friendly, helpful and knowledgeable. Am a satisfied customer of over 15 years with FD and will remain with them for the foreseeable future. Reviewed on: 29th January 2022

No nonsense

I have banked with first direct for over 20 years. No hassle. Easy to get hold of. Great app. Reviewed on: 29th January 2022

Easy to use app

Always a quick answer if any problems encountered Reviewed on: 27th January 2022

how banking should be

First Direct's customer service leaves other banks in its wake. Whether you call or use the messaging feature, service is always swift, knowledgeable and hassle free. Reviewed on: 22nd January 2022

Easy to use and reliable

Found it really easy to use, good app and when you need to speak to someone you can easily get through to a friendly human quickly. When I had an issue they resolved it instantly - you can judge a company on its customer service when there is a problem - they fixed it, instantly, with no fuss. Reviewed on: 21st January 2022

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