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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1493 reviews)

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4.70

Based on 1,493 reviews, last reviewed 10th Aug 2026

92% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

fd - hassles free internet banking No hassle, to steal a line from another no nonsense product, it does exactly what it says on the tin Reviewed on: 14th July 2026

Latest lowest rating:

1

Stranded Abroad With 2 Young Kids. I switched from NatWest to First Direct. I regret it. I moved an account from NatWest to First Direct partly because of its reputation for customer s... Read more Reviewed on: 10th August 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 (1493)

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

great service

ive been really pleased since moving over to first direct, app easy to use, people respond quickly in theapp, never waited long on the phone = uk based centre and alwasy very helpful Reviewed on: 24th March 2026

First Direct don't patronise the customer base with...

First Direct don't patronise the customer base with chintzy, photos. So the website is good. Current account is excellent. Use of account abroad is also a plus. Reviewed on: 23rd March 2026

Been with them for many many years.

Been with them for many many years. Very few problems always sorted easily with a friendly manner Reviewed on: 23rd March 2026

Always there when I need them

Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notifications from their app alerted me, and it was swiftly dealt with on the phone, the transactions were reversed and a new card was on its way to me. Reviewed on: 24th February 2026

Excellent customer service.

All queries answered satisfactory and problems resolved. Reviewed on: 19th February 2026

Still great after all these years

Been with this phone /on line bank from the very early days, always prompt, reasonable rates and excellent customer service and contact. I ‘ain’t’ going nowhere ! Reviewed on: 16th February 2026

First Direct Review

I've been with First Direct from when the Midland Bank First offerred as an incentive to move to s 24/7 Bank. I have always found them to be honest and reliable. Like some of the reasent reviewers I have noticed a small drop in customer service in the past 12 months. Their App is excellent to use but in terms of what you can do within it compared to other newer banks is limited and needs reviewing. Appart from their ISA the savings systems offered are very good with reasonable interest rates and I currently use them. The above said I must clarrify my ratings, I never give 5/5 or 10/10 as every company has room for improvement and, in my opinion, those who give these scores have been incentivised or otherwise rewarded. Reviewed on: 14th February 2026

The app is very clear and easy to use.

The app is very clear and easy to use. It also shows the account value after each transaction, which makes it easy to track spending. The account is simple and has everything you need in one place. Transferring money is quick and simple, as is checking direct debits Reviewed on: 14th February 2026

Brilliant service, very reliable

Brilliant service, very reliable Reviewed on: 13th February 2026

No need to look any further

I have been with First Direct for 36 years and have always found it to be a friendly and efficient service with an easy to use web/app interface and great staff in the call centre if you need them. I have used several facilities, including current and savings accounts and have always found that they are feature rich as offer value for money compared with similar market products Reviewed on: 13th February 2026

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