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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1358 reviews)

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4.68

Based on 1,358 reviews, last reviewed 29th Oct 2025

100% 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

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

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 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 (1358)

Review of the first direct, Current Account:

Exckude banks who try to bribe their customers

When I have an issue there is someone I can speak to sort it out. The bank that sent me the email to vote for them was RCI, with an offer to be included in a draw with a potential prize of £1000 if I vote for them.This prize draw is not the intention of the review, is it? Shouldn't a bank trying to bribe customers to vote for them as an alternative to providing customer service be called out for that strategy? What is the point of this review, and why do you not exclude banks which offer prizes as a bribe instead of customer service? Reviewed on: 22nd March 2025

I have been a customer of First Direct for 34 years...

I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year then service has completely collapsed. I am constantly having to call them to sort out problems and their attitude is not helpful. They are sliding down the ratings and I am not surprised. Reviewed on: 29th October 2025

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% overdraft and have rarely needed to contact them Reviewed on: 15th September 2025

I have banked with first direct for over 20 years.

I have banked with first direct for over 20 years. I have always found them to be curtius and helpful even when they say no. Reviewed on: 9th July 2025

Great bank!

Great customer service, 24 hours a day, any issues are always dealt with promptly. Would be good if the current account paid interest as well. Reviewed on: 21st June 2025

Great customer service

What I like the most about this bank is the customer service, I don’t think I have ever had a bad interaction over the phone. Every time I have had a query it has been solved expediently and professionally. Of course the current account is great. I came via the switch offer and I do not regret it! Reviewed on: 16th June 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

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