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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

Very effective bank.

Always receive an efficient service whenever I need to contact my bank. Reviewed on: 8th February 2019

Amazing

LOVE FD!!! Amazing just like family Reviewed on: 8th February 2019

Best of the bunch

Excellent customer service on phone & online Reviewed on: 8th February 2019

Join first direct

Efficient service, a friendly voice and always there when you need them: day or night. Reviewed on: 6th February 2019

Simply the best

First rate experience and been with them for over a decade. Wouldn't even be tempted to swap banks. 1st class online banking with customer service second to none.. Can't fault this bank - no wonder it comes top in all the ratings... Reviewed on: 5th February 2019

EXCELLENT BANKING

GREAT ONLINE EXPERIENCE. ALWAYS RESPONSIVE TO ANY QUERIES I MAY HAVE. Reviewed on: 4th February 2019

Switch New Account

Fantastic customer service available on telephone. Online banking set up extremely secure more so than High Street banks. Lots of financial products for 1st Account customers well explained by customer services assistant. I have switched from Halifax due to the increase in overdraft charges of 1p for every £6 per day from Jan 2019. First Direct overdraft is free up to £250. Will probably look at mortgage switch too. Reviewed on: 29th January 2019

Customer service is second to none

I have used First Direct since shortly after they were set up, and they have never rested on their laurels. Their web site is very rarely inaccessible, and their call centre is superb - in all these years, only once have I been on hold before my call was answered. What is more, their staff know what they are talking about, rather than recite answers from a pre-defined list of queries. Reviewed on: 25th January 2019

Excellent

Great service, helpline is actually helpful! Reviewed on: 23rd January 2019

Amazing bank.

I switched from natwest, and first direct’s app blows natwest’s out of the water so I don’t know why natwest keeps winning best app. Also amazing customer service, so so easy to get friendly human help. Genuinely never been so impressed by customer service but it is what first direct are known for, as well as fantastic savings rates and products. Reviewed on: 22nd January 2019

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