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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1494 reviews)

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4.70

Based on 1,494 reviews, last reviewed 16th Aug 2026

90% 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

Excellent service, good app, very reliable Been with First Direct for over 30 years. We now bank with them online but occasionally still need to talk to them by phone and they’re always quick t... Read more Reviewed on: 16th August 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 (1494)

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

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

Good online bank with excellent current and regular savings accounts

Very good savings interest rate with great 1st account app Reviewed on: 17th February 2021

FAST RESPONSIVE OLB.

They process everything efficiently and always answer every query, no matter how minor, patiently and diligently. They listen to you the customer and are always on your side, consistently providing excellent A1 customer service. Reviewed on: 17th February 2021

Excellent customer service and good security

We've been customers of FD almost since they started and they have always been easy to deal with, have really good apps for quick online access and have very good security - checking up when slightly out of the ordinary transactions happen. Reviewed on: 17th February 2021

Excellent customer service

Had a problem and was rectified straight away, no waiting in queues, call was answered straight away, and given a five star service as usual. Reviewed on: 2nd February 2021

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