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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

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4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% 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

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th 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 (1495)

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

Best bank by a mile

been with them for 31 years and their customer service is the best by far You couldn't pay me to leave them I have recommended them to lots of people Reviewed on: 7th February 2020

Great service

I have had an account with first direct for over 20 years with no problems, great service Reviewed on: 7th February 2020

Great Customer Service

First Direct Bank have managed to maintain a relatively high standard of customer service by telephone and do that 24 hours a day 7 days a week. I think that they are a bank well worth supporting because of their standards and commitment to keep their customers happy and put them first. Reviewed on: 6th February 2020

First online bank and still the best!

When ever I hear friends, family colleagues complaining about their bank - I always say switch to first direct - I have been with them since they started and their service is just excellent. Their online is simple and easy to use and security ahead of the game. Reviewed on: 6th February 2020

SO GOOOOOOOOD

UK call centre so helpful 10/10 the best back account iv ever had Reviewed on: 6th February 2020

First rate bank.

I’ve been banking with first direct for over 20 years and throughout this time I cannot fault them on the innovation, evolution and ultimately the service of its people. Reviewed on: 6th February 2020

Superb account and service

Its refreshing to be able to speak to the bank without using automated options - and the staff are so polite and helpful when they answer. Great free overdraft too. Love the app Reviewed on: 6th February 2020

Fuss Free Banking

Found First Direct to be efficient and friendly and no issues at all since I moved my account to them Reviewed on: 6th February 2020

No nonsense bank account

I have had this account for over 20 years.....no computer failures, no fraud on my account. A quality organisation and product. Reviewed on: 6th February 2020

Customer service simply the best

I've not had to contact First Direct on many occasions but on the odd occasion I've had to I can truthfully say I've never dealt with another company that has such quick and helpful customer service. Reviewed on: 5th February 2020

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