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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

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4.69

Based on 1,357 reviews, last reviewed 15th Sep 2025

88% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Very generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025

Latest lowest rating:

1

Rejected for being unemployed Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 2025

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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.

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first direct Current Account reviews (1357)

Good but not great

Fantastic at the basics. Instant telephone response by UK based call handlers. Polite, calm and well informed. However, when things get complicated not quite so impressive. However, for the day to day of personal banking very good. Reviewed on: 15th April 2019

Great

Great customer service and got a switching bonus. winner. Reviewed on: 10th February 2019

Superb, customer service second to none

Superb customer service second to none. I transferred to this bank over 2 years ago and would recommend it to all my friends and colleagues. I have received first rate customer service from them since day one. I love the fact that I can speak to someone in this country who understands how banking works. And also that I don't have to go through 6 or 7 menus on the telephone to speak to a person. Reviewed on: 10th February 2019

The best bank for busy people with complicated lives

Brilliant customer service with empathic and friendly staff who are willing to help you find solutions to problems. Reviewed on: 10th February 2019

so easy

love first direct the account is so easy to use and if you have to phone them they are brill and you can understand them cos its in the uk Reviewed on: 10th February 2019

Excellent bank for over 25 years

Joins First Direct in 1994 and never looked back since Reviewed on: 10th February 2019

Always a prompt, professional and friendly service

The bank that puts the customer 1st Reviewed on: 10th February 2019

Very good customer service

First Direct has a contact centre, based in the UK, that is open 24 hours a day, so you can ring and talk someone at any time. If you have an overdraft, the first £250 is interest free which is very helpful, and unlike most other UK bank accounts. Reviewed on: 9th February 2019

Online Only Baloney

As the first on line only bank, First Direct is remarkably boring and looks and feels like a traditional bricks and mortar bank. Limited functionality, poor, poor app experience, nonsense and overly complex 'security' processes...moving to Starling Bank. Reviewed on: 9th February 2019

Easy, reliable, fully formed

Day to say banking with first direct is great, the app and website are easy to use, staff on the phones are well trained. Unlike many of the new challenger banks, first direct offer a full range of products. They might have some catching up to do on the digital side, but they keep launching new updates, when it comes to service the others are nowhere near. Reviewed on: 9th February 2019

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