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first direct: Current account reviews

Name: Current account
Rating: 4.68 (1496 reviews)

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4.68

Based on 1,496 reviews, last reviewed 2nd Sep 2026

86% 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

People on the phone It's rare to be able to access a human without layers of ai bots these days, FD have people who pick up calls! Reviewed on: 2nd September 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.

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first direct Current account reviews (1496)

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

So easy to get hold of!!!

So easy to get hold of and when you speak to someone over the phone they are super helpful! Reviewed on: 12th February 2026

Easy to set up and use and the app is intuitive

Easy to set up and use and the app is intuitive. It has helpful suggestions and categories of payments and it is straightforward to add direct debits and standing orders Reviewed on: 3rd February 2026

Compentent..

Very good overall, I have been very impressive with them as a bank and have been with them since they first started. Reviewed on: 2nd February 2026

Always available to help when needed.

Always available to help when needed. And no hanging about waiting either. Reviewed on: 29th January 2026

30 years on.......

Have banked with first direct for over 30 years and I am still getting excellent service if I ever have a problem. Recently had an issue with an on line payment, phoned the bank, put through to the relevant team and issue sorted in 15 minutes. Professional, polite, friendly experience - thank you! Reviewed on: 27th January 2026

Positive experience

Positive experience for years, always helpful customer service Reviewed on: 26th January 2026

Good customer service is the sine qua non

Good customer service is the sine qua non Reviewed on: 26th January 2026

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