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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

9% 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

Reliable, solid platform, gives you what you need in a bank

I've been with FD for years, one of the earlier online banks but still a great performer. Easy to use platform and by and large reliable in terms of availability/uptime. Never had a problem with them. Reviewed on: 27th February 2021

Easy to use and manage, but help is only a call away

Generally only use the app or online banking but when needed have called and the staff have be down to earth and able explain things clearly then will go on to solve issues quickly Reviewed on: 24th February 2021

Safe and Sure

Always helpful; safe and certain. Reviewed on: 20th February 2021

Great service

Great service, when you phone the bank it is snswred by a person who can answer your query or help solve any problems not a computer that can't understand what you say or needs you to key in lots of numbers. Reviewed on: 20th February 2021

Always available

An easy to use, safe online account. When I need to contact a member of staff they are always pleasant and helpful. Reviewed on: 19th February 2021

Been my fav bank for 30 yrs until starling and new online banks

Still my main bank as I wait for them to catch up giving me on instant alerts on all transactions. Currently they only provide alerts for £10 and over can take days to get them. They were the original phone banking service and their friendly efficient customer service (mainly lovely Scottish people I think) have always been a delight to contact which is why their customer service has always been voted tops. So I will be patient in waiting for them to catch up because they have looked after me do well for so long. I was surprised they didn’t lead again with the new banking apps like Starling. They are making small changes but it’s taking a while. Reviewed on: 18th February 2021

Good support & banking security

First Direct i considered great communicator's and have friendly support team. Never in time i have used them have i ever had a negative email They play fair and always prepared to find solutions to questions that as a customer will do there upmost to achieve the best results. Reviewed on: 18th February 2021

Best Customer Service

Always a pleasure to deal with. Calls answered by human, understanding people who are patient and pleasant to deal with. Reviewed on: 18th February 2021

Senior Consultant

always a great customer service to help you and an easy to use app Reviewed on: 18th February 2021

Scam

Late 2020 victim of two linked scams. FD have withheld over £3K of first one as "punishment" for not taking more care. Complaint letter factually incorrect. Granted loan didn't ask for, not checked with me because "it was done online". Account fraud their own department, debit card fraud covers FD, HSBC, M&S Bank. When agent called she used wrong one so made me more suspicious. Thankfully recipient of part of loan was suspicious and refunded my money. Learn from this FD! Ombudsman has been in touch with FD so hopeful of getting money back. Shame it's more than would be covered by small claims court. Had phone number for initial scammer, FD didn't want it initially. Same with two e-mails. Blaming account holder seems easy way out. Shambles is only way to describe FD security! Reviewed on: 18th February 2021

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