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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

95% 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)

Reliable and consistent customer relations

Have been with First Direct first current account for 20 years and the customer services reputation has stood the test of time because they have never let me down and all queries and problems were resolved to my satisfaction. Reviewed on: 7th November 2018

Banking made simple

Nothing is ever too much for First Direct and their online banking is so easy to use and never lets me down. Reviewed on: 7th November 2018

Excellent, simple, friendly banking

Easy to speak to somebody in this country who speaks & understands English anytime you need. Helpful & efficient. Excellent service always. Reviewed on: 7th November 2018

Just works

Everything works, never any issues Reviewed on: 7th November 2018

They make everthing so easy

Always at the end of a phone to answer any queries, very convenient and very helpful. Reviewed on: 7th November 2018

Most amenable bank

Multiple ways for me to access my account, and a voice at the end of the phone whenever I need to discuss things. Reviewed on: 7th November 2018

Well pleased

Must be the best telephone banking in the world. Very knowledgeable, helpful, cheerful and obliging staff on every occasion. Always willing to go the extra mile for you. Can’t speak too highly of them. Reviewed on: 6th November 2018

Easy, reliable and great support

I’ve used First Direct since the early 90s when telephone banking was novel and online let alone mobile banking was unheard of. Their friendly service and reliability over all that time has not lapsed so I would always recommend them. Reviewed on: 6th November 2018

Friendly and responsive bank

Clear and intuitive app and when you need to speak to somebody you get straight through with no automated messages or waiting in line. Professional and friendly call centre staff. Reviewed on: 6th November 2018

Easy to use online

Had a good deal of £125 for switching my 1st account to here, process was seamless and quick and the online account is very user friendly! Reviewed on: 6th November 2018

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