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first direct: Current account reviews

View other first direct products
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
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

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
Rob's avatar
Rob

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
Linda's avatar
Linda
Read all reviews Write a review

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.

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first direct Current account reviews (1494)

Best UK bank by far

5
I have had my account with first direct for 23 years and have never had a reason to complain. Reviewed on: 7th April 2021
Dan Grindey's avatar
Dan Grindey

Great customer service

4
Always quick to answer the phones, deal with requests and super helpful Reviewed on: 4th April 2021
Michelle's avatar
Michelle

Fantastic

5
Excellent friendly banking service, easy to use app and the customer service is second to none. Reviewed on: 3rd April 2021
Laura Jane Scarlett's avatar
Laura Jane Scarlett

Reliable but not earth shattering

4
I have banked with HSBC for 35 years and First Direct for over 20. I liked the telephone banking service and the branding and the innovation of the business as the time. There is a push now towards digital banking and away from calling and I feel a bit side lined. However whenever I do speak to a customer service person the service is always good. I think the online banking space is a worry for many people from a security perspective. I do find my Starling business bank account on mobile to be easier to navigate than FD. Reviewed on: 1st April 2021
Nicky Pearson's avatar
Nicky Pearson

Best customer service by miles!

5
First Direct are the best bank I've ever used - by miles! Their customer service is second to none. Whenever I have problems It's a pleasure to speak to their staff; the friendly and knowledgeable experts quickly resolve any issues. Reviewed on: 29th March 2021
kara Davies-Hobbs's avatar
kara Davies-Hobbs

Always there to help!

5
As a personal customer of First Direct, I tend to do most transactions via the app or online. On the few occasions I have needed to speak with someone, I've been impressed by the way that my calls were answered quickly (by a human) and that person took ownership of my query to resolution, rather than passing me around different departments. I've tried other banks, including some private offerings, and find First Direct better than all of them! Reviewed on: 29th March 2021
CCR's avatar
CCR

a gift that keeps giving

5
having been with nationwide for 25 years, I had a fallout over something that was nothing to do with me personally. A new bank was needed. I chose TSB, they then changed their computer system and a couple of times I was not able to access my own money. I came across First Direct and gave them a go.. Have been with them for about 3 to 4 years now. Have my account with them, a free overdraft if needed, My mortgage is with them, now have a credit card and small loan with them. Have never had any trouble getting through or having things sorted for me. My Son recently came over to the first direct family too. during these times I expect to have little delays, having had covid myself, I know how it affects the normal day to day running. Give them a chance and once this is over they will shine once more. Reviewed on: 28th March 2021
stephen's avatar
stephen

Amazing customer service

5
I love banking with First Direct - the customer service is second to none! Reviewed on: 27th March 2021
Daniel Austin's avatar
Daniel Austin

Great customer service

5
It's very easy to quickly get hold of a real person on the phone, who is very friendly. The app is also clear and easy to use. Reviewed on: 25th March 2021
Brian Moore's avatar
Brian Moore

Lack of innovation

2
Feel like they used to be the go to online bank, but in recent years the app hasn’t changed, processes feel clunky and the app doesn’t have anything ‘wow’ or exciting about it. It doesn’t help with managing money and lacks innovation. Reviewed on: 23rd March 2021
K Beevers 's avatar
K Beevers

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