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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

Always there to help!

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

a gift that keeps giving

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

Amazing customer service

I love banking with First Direct - the customer service is second to none! Reviewed on: 27th March 2021

Great customer service

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

Lack of innovation

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

24 Hour Access, Friendly Staff

I've never had a bad experience with First Direct. My call is usually answered within a few minutes, even during peak hours. The greatest thing about FD, is 24-hour access... Unlike other banks where you have to rely on branch opening times, FD can be contacted anytime. I have recommended FD in the past I would do so again. Reviewed on: 21st March 2021

My Best Bank

I have several bank accounts over the last 35 years. The Only Bank that I never have a problem or have to wait to answer queries / sort a problem is "First Direct", The Staff are always well spoken and courteous. First Class !! Reviewed on: 21st March 2021

Perfect online service with phone support

I have dealt wit first direct since I spent a year abroad and they were a perfect solution when travelling or abroad to manage finances back home. Reviewed on: 20th March 2021

Always great

Have been a customer for many years. Consistently good at customer service, online, website, phone. Now have online cheque payments. Reviewed on: 20th March 2021

Great current account

Really easy to use and alway available if needed. Reviewed on: 18th March 2021

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