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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

Amazing customer service

Came for the switch deal, stayed for the amazing customer service! Reviewed on: 12th January 2022

1st Account

I've had my 1st Account for about 6 years, and I've always been happy with the service from First Direct. I'm able to call 24/7 for any queries I have, and staff have always been very professional and friendly. Unless you prefer a physical branch, I would recommend First Direct to anyone. Their app is easy to use, and like that I can search for specific payments to keep on track with my budgeting, and download previous statement to compare. Reviewed on: 12th January 2022

Mr

The app is easy to use, and it is quick to get through to friend and competent staff on the phone. Reviewed on: 12th January 2022

Excellent Customer Service

I changed to First Direct as I had heard good things about their customer service. I agree, they are great! It's all online and if you do need to use their telephone banking, it's efficient and quick. While I can't knock the app for logging in to banking, it's a bit of a pfaff on if you need to access transactions older than a month as you need to log on via the laptop and the security is seems much more complex (only because it's all linked biometrically on my phone, making it quick & easy) for that reason, I haven't given it full stars on recommending to friends and family. Reviewed on: 12th January 2022

Very easy to deal with

Great service with a good app. Customer service seems to be availble all the time through chat which is perfect for me. Reviewed on: 12th January 2022

Easy As

Love the simplicity of the App for handling my account. Reviewed on: 12th January 2022

Great online security

Still great service apart from a morning 2 months ago when their were technical issues with Mastercard Reviewed on: 12th January 2022

Great service

First Direct staff are always polite, friendly and helpful. Their service is exemplary and in the decades of banking with them I’ve never had a problem or issue. Reviewed on: 11th January 2022

Always amazing

First Direct have always provided me with amazing service. I constantly mess up with my app (user error) and they're always right on hand, being friendly, patient and pleasant whilst they help me. Reviewed on: 5th January 2022

Friendly Bunch

I have been a First Direct customer for only a few short years but they will have me for a few years to come. The app really does all my day to day banking for me and I can see what is happening with my money at my fingertips. However when I have had a problem the down to earth UK based team at FD have always been a dream to talk to, no problem too big or small... Reviewed on: 5th January 2022

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