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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1493 reviews)

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4.74

Based on 1,493 reviews, last reviewed 14th Jun 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Don't be unsure like I was! Was unsure when I changed over 3 years ago. They handled transfer and it was all plain sailing afterwards. Haven't looked back. Well done. Reviewed on: 14th June 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 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

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

Easy to use app, 24/7 customer service avail...

Easy to use app and excellent customer service available at any time of the day Reviewed on: 25th January 2026

So easy to manage and great customer service.

So easy to manage and great customer service. Reviewed on: 25th January 2026

It is easy to open and operate a First Direct account

It is easy to open and operate an account online. First Direct operates via an App which is well laid out and allows access to all aspects of my current account. Notifications of money movement is very useful to keep track of transactions. Reviewed on: 25th January 2026

Easy to use features and app.

Easy to use features and app. Only issue I ever had to report to customer services was quickly resolved. Reviewed on: 25th January 2026

Solid, but not overwhelming

The bank has nothing particularly wrong with it other than the website is quite awkward to use and the Perks system doesn't appear to work properly. They are very tight on security but it's not ideal to force customers to do everything via the app. Reviewed on: 23rd January 2026

Well done First Direct stay in front of the pack.

I have tried many UK banks and First Direct is way out in front of all of them. Customer Service is amazing and when I phone needing assistance my call is answered in seconds. Most importantly, I feel secure banking with First Direct, yet I don’t feel that their security systems are restrictive or a hassle to deal with. Keep it up First Direct!!! Reviewed on: 23rd January 2026

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