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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

Excellent service

Excellent customer service and bank, always get through to them within minutes and they solve any queries I have straight away. Their customer service agents, who are based in the UK, are very clear to hear, which is a bonus. I do my banking online and their app is excellent, everything I need for my banking needs. Reviewed on: 18th February 2021

the helpful bank

For instance I wanted to send some money to nephews in Australia last Xmas and had no idea how to start the process .They are always ready to assist and so friendly ! 1st D are great ! Reviewed on: 18th February 2021

App works wonders

The app allow the customer to have easy access over their money and find out exactly where it is going. Reviewed on: 18th February 2021

Easy to do business with.

The app is well designed, and easy to use. Reviewed on: 18th February 2021

Served me very well

I joined FD in its early days as it was a innovative bank - have really never looked back. Only issue I feel is that HSBC should let it be more independent to compete with fintech start ups like Starling, etc Reviewed on: 18th February 2021

Perfect

Simply, the best bank. Excellent online application and more importantly real people on the end of a phone line, and only after less than 5 rings.. Reviewed on: 17th February 2021

Avoid as much as you can

Terrible customer service. Fail to see why it scores highly, the reviews you see must be fake. Reviewed on: 17th February 2021

Great online banking

Very good app and never had any issues with this bank. Telephone helpline is always quick to answer any queiries you might have. Reviewed on: 17th February 2021

Very good customer service

Always get helpful people quickly without a delay that understand their products and can sort problems Reviewed on: 17th February 2021

Fabulous Customer Sevice

have been with first direct pretty well since it started, i have always been impressed with their customer service- it's second to none Reviewed on: 17th February 2021

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