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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1353 reviews)

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4.68

Based on 1,353 reviews, last reviewed 13th Jun 2025

40% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

They are with you 24/7 at the end of a phone line wi... They are with you 24/7 at the end of a phone line with a UK based call centre. On the rare occassion when I need to talk to a real person my problems ... Read more Reviewed on: 13th June 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.

first direct Current Account reviews (1353)

Review of the first direct, Current Account:

Great bank, easy to use app

Really good bank, very good customer service and great over draft options Reviewed on: 1st March 2025

They are with you 24/7 at the end of a phone line wi...

They are with you 24/7 at the end of a phone line with a UK based call centre. On the rare occassion when I need to talk to a real person my problems are simply dealt with and I feel like I am talking to a friend. I have been with them almost since the start and have no intention of leaving. Reviewed on: 13th June 2025

Great telephone banking service

I have held 2 current accounts with First Direct since they began, and I have valued their responsive telephone banking service. Reviewed on: 13th June 2025

Helpful advice and friendly.

Helpful advice and friendly. Took my queries to completion. Reviewed on: 13th June 2025

Problem free current account, for a change.

Had a First Direct current account for a few years now and am very satisfied. It makes a change to be problem free for so long. Customer Service sorted one 'scam problem' out, so overall very happy with the service. Reviewed on: 13th June 2025

Humans pick up the phone!

They are easy to contact, have call centres that answer the phone based in the UK and have a clear app, that makes dealing with them easy. Reviewed on: 12th June 2025

Excellent service 24 hours per day, every day.

Excellent service 24 hours per day, every day of the year. Phones answered quickly and a truly excellent website and app. Fee free overdraft is a very good option too. Reviewed on: 12th June 2025

Free overdraft, if you go over up to the prearranged...

Free overdraft, if you go over up to the prearranged amount, you do not get charged interest. Reviewed on: 12th June 2025

Exceptional customer service

Have banked with FD for a long time - made the mistake many years ago after a poorer than normal experience to move current accounts but quickly regretted it and went back. App online always reliable and their phone customer service always exceptional. So nice polite and friendly and genuine. Actually seem to care about what they do and how they do it. Always professional efficient and well trained. use several other banks for saving or additional accounts or other products but refuse to move current account again. Reviewed on: 12th June 2025

First Direct are very efficient

First Direct are very efficient, helpful, courteous and very professional when contacted. Reviewed on: 12th June 2025

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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