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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

EASY TO USE

HAVE BANKED WITH THEM FOR YEARS AND ALWAYS HAD BRILLIANT SERVICE Reviewed on: 12th January 2019

Straightforward Banking

Always there when you need them, online or phone which is usually answered immediately! Reviewed on: 12th January 2019

Great bank account

hassle free switching, easy online banking Reviewed on: 12th January 2019

No issues

No issues or concerns, not as easy to visit on the high street but I think that's the case with most banks now. Reviewed on: 12th January 2019

Good all round current account

Good customer service and phone app, also no charge for going into overdraft Reviewed on: 11th January 2019

Disappointing mobile and online banking

Banks are banks, they do what they do, so the point of interaction with the customer makes all the difference. Unfortunately, first direct's mobile and online banking services are clumsy and outdated. Compared to banking apps I have used in the past, the functionality is limited and processes, especially around security, are not as user-friendly as they could be. I am considering switching. Reviewed on: 11th January 2019

Reliable, friendly, efficient

Eay-to-use, friendly staff, available 24 hours. Highly recommended. Reviewed on: 11th January 2019

By far the best bank

Faultless in virtually every aspect and backed by HSBC (rather than a start up with a nice shiney mobile app but nothing to back this up when things go wrong (as they surely do at some point). If you need an decent current account /loan/morgage - look no further than F.D. Reviewed on: 11th January 2019

BRILLIANT

GREAT CUSTOMER SERVICE FROM THIS BANK Reviewed on: 10th January 2019

Brilliant Banking

I have recently switched to First Direct from HSBC who I was with for over 13 years. I know HSBC and First Direct are part of the same banking group but what a breath of fresh air First Direct is. Easy online banking app and online services. The call centre are amazing, I have never waited more than 2 minutes to speak to an advisor. I would highly recommend taking the plunge and using First Direct for all your banking needs. Reviewed on: 10th January 2019

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