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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% decrease 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 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 (1494)

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

Incredibly helpful customer services

I was a victim of a massive scam. Leaving me penniless. First Direct were superb and reinstated all my accounts fully. So kind and understandin Reviewed on: 18th June 2021

Best ever Bank

I transferred to First after 25 years with Clydesdale. What a difference! It was like stepping from the nineteenth century into the twentyfirst. They have the best and I mean THE BEST customer service of any company I have encountered. Reviewed on: 18th June 2021

Good support team

I have very little to say except they are always looking after there customers interest there online banking fraud team are on the ball and deal with any fraudulent transaction discreetly and gives confidence to the customer knowing that there security is in safe hands Reviewed on: 15th June 2021

Personal service with no bots

You always get to speak to an actual helpful person. No issues with long waits, irritating music or bots Reviewed on: 14th June 2021

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

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