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first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1450 reviews)

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4.73

Based on 1,450 reviews, last reviewed 25th Mar 2026

8600% 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

Our kid wrote Excellent service! They go the extra mile to help! 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 (1450)

Review of the first direct, Current Account:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

USELESS BANKERS

I have held my account with First Direct for over 25 years and in the early days remember thinking how forward looking and efficient a bank it was, that communication and connectivity was excellent. What a shame that it has become a bureaucratic pile of departments that are unable to speak to each other, and incapable of doing something as simple as issuing a bank card. You haven’t just slipped down the rankings from 1st place to 3rd place (Which Magazine), you have lost complete control of what you are doing day to day and that it is customer satisfaction and ability to problem solve for customers that you have given up. Reviewed on: 3rd June 2021

Amazing customer service

Having bad experiences with other banks I moved to First Direct about 8 years ago and I am never one to leave reviews. But their customer service every time are the friendliest and most helpful people I've spoken to on the phone in any company. I've had dozens and dozens of calls with them now and each time the advisors are always very polite, friendly and clear and helpful in the way that they speak. The app and online banking security levels make me feel safe with my banking. Reviewed on: 5th May 2021

Terrible

I can’t get into my account the customer service is a joke . I use online banking all the time yet this one drives me mad. I can’t even close my account so I’m draining my account and moving my money elsewhere! Reviewed on: 27th April 2021

it just works as needed

good interface online with quick check in and easy ways to send money but with a sense that they are checking - good if you need them on the phone too Reviewed on: 16th April 2021

Great digital bank

One the few occasions I've had to call, they've been great, but the real step up has been in digital where more and more features are available for me to do what I need to do, when I need to do it. Reviewed on: 16th April 2021

Smooth Operator

Over the years I have switched banks trying to find one that truly meets my needs. Since joining I have nothing but praise for FD. Their customer service is truly outstanding, given my advancing age and poor it skills, they helped set me up with mobile banking the patient and systematic way has built my confidence and now manage current account, savings accounts with other providers as well as my stocks and shares isa all on mobile apps due to the solid foundation started with FD. Reviewed on: 16th April 2021

Second to None

I have been with First Direct for approximately 25 years. During that time, their customer service has been exemplary. Their services exemplary and their security exemplary without being too cumbersome. There really is noone else I would go to for my banking needs, including my mortgage. Reviewed on: 14th April 2021

Excellent customer service

Easy to contact (no tedious telephone menus) and always helpful Reviewed on: 13th April 2021

Straight forward and always very helpful

On occasions where I have needed to contact the bank they are very quick and efficient, friendly and have great security processes. Reviewed on: 13th April 2021

Reliable good customer service

Been with this provider for a very long time and am always happy with the personal friendly service. Reviewed on: 12th April 2021

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