{"id":185473,"date":"2019-04-18T11:34:33","date_gmt":"2019-04-18T10:34:33","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=185473"},"modified":"2026-03-30T12:49:52","modified_gmt":"2026-03-30T11:49:52","slug":"first-direct-current-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts","title":{"rendered":"first direct current account review: 1st Account April 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.firstdirect.com\/\" class=\"luna-button luna-button--primary\">Return to first direct<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate first direct current accounts?\");\n$(\"#user-review-promo-copy\").html(\"Used first direct current accounts? Share your view on Finder to help others make a great choice, and you could win \" + '&pound;400!');\n$(\"#user-review-promo-review-description\").html(\"Tell us about your experience with first direct current accounts. What did you like or dislike? What are the pros and cons? What should other people know?\");\n\n\n\n\nvar prvdrimg = 'https:\/\/cdn.finder.com.au\/niche-builder\/67a0be6d631a6.png';\nif ( $(\".compare-logo\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".compare-logo\").data(\"src\"));\n} else if ( $(\".standardMasthead__image\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".standardMasthead__image img\").attr(\"src\"));\n} else if ( $(\".creditCardMasthead__picture_wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".creditCardMasthead__picture_wrapper img\").attr(\"src\"));\n} else if ( $(\".product-card__image-wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".product-card__image-wrapper img\").attr(\"src\"));\n} else if ( prvdrimg.length ) {\n$(\"#user-review-promo-img\").attr(\"src\", prvdrimg);\n} else {\n$(\"#user-review-promo-img\").css(\"display\", \"none\");\n}\n\n\n\n\nif (user_review_step == \"complete\" || sessionData == 1) {\nif (sessionData == 1) { sessionStorage.removeItem(window.location.href.split('?')[0]); }\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\n$(\"#user-review-promo-close\").css(\"display\", \"block\");               \n$(\"#user-review-promo-close\").click(function(){ window.location.href='\/uk\/'; })\n$(\"#user-review-promo-members\").css(\"display\", \"block\");\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}           \n}\n\n\n\n\n$(\".reviewstar\").each(function(index) {\n$(this).on(\"click\", function(){\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\nuser_review_rating = $(this).data(\"rating\");\n$(\"#user-review-promo-review\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\nsetTimeout(function() {\n$(\"#user-review-promo-review\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n});\n});\n\n\n\n\n$(\"#user-review-promo-btn\").click(function(){\n\n\nif (user_review_screen == 0) {\nuser_review_screen++;\nuser_review_description = $(\"#user-review-promo-review-text\").val();\n$(\"#user-review-promo-review\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"0\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\n$(\"#user-review-promo-user\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").text(\"Submit\");\nsetTimeout(function() {\n$(\"#user-review-promo-user\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n\n\n} else if (user_review_screen == 1) {\nuser_review_name = $(\"#user-review-promo-name\").val();\nuser_review_email = $(\"#user-review-promo-email\").val();\nif (user_review_email != \"\" && user_review_name != \"\" && isEmail(user_review_email)) {\nuser_review_screen++;\n$(\"#user-review-promo-user\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-members\").css(\"display\", \"block\");                     \nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}\nsetTimeout(function() {\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\n}, 1)\npostReview();\n} else {\nif (!isEmail(user_review_email)) {\n$(\"#user-promo-email-field-error\").html(\"Please enter a valid email.\");\n}\n}\n}\n\n});\n\n\n            \n\n\n\n\nfunction postReview() {\nvar requestBody = {\n'displayName': user_review_name,\n'headline': 'User review',\n'review': user_review_description,\n'email': user_review_email,\n'location': user_review_data.countryCode,\n'rating': user_review_rating,\n'shortNicheCode': user_review_data.shortNicheCode,\n'nicheCode': user_review_data.niche,\n'countryCode': user_review_data.countryCode,\n'reviewableName': user_review_data.reviewableName,\n'productApiId': user_review_data.productApiId,\n'reviewableId': user_review_data.reviewableId,\n'entityType': user_review_data.entityType,\n'recordType': user_review_data.recordType,\n'blogId' : user_review_data.blogId\n};\nconsole.log(requestBody);\ntry {\nconst response = fetch(user_review_url, {\nmethod: 'POST',\nheaders: {\n'Accept': 'application\/json',\n'Content-Type': 'application\/json'\n},\nbody: JSON.stringify(requestBody),\n})\n} catch (error) { console.log(error); }\n\n\ntry {\nmembersSdk.getUserNotes().then(notes => {\nconst existingIdsReviewed = notes.filter(note => note.fieldName === 'idsreviewed').reverse()[0]?.value || \"\";\nvar fldval = existingIdsReviewed + user_review_data.productApiId + \",\";\nlet recordUserReview = new CustomEvent(\"SavePrefillValue\", {\ndetail: {\nkey: \"idsreviewed\",\nvalue: fldval,\nisGlobal: true\n}\n});\nwindow.dispatchEvent(recordUserReview);\nvar trackingParams = {};\ntrackingParams.signUpUrl = window.location.href;\ndocument.dispatchEvent(\nnew CustomEvent('ga4.track', {\ndetail: {\nname: \"formSubmitted\",\nparams: {\nformFields: {\n\"eventName\": \"reviewSubmitted\",\n\"niche\": user_review_data.niche,\n\"productId\": user_review_data.productApiId,\n\"productName\": user_review_data.reviewableName,\n\"title\": user_review_name, \n\"text\": user_review_description,\n\"country\": \"uk\",\n\"url\": window.location.href, \n\"rating\": user_review_rating,\n\"reviewableId\": user_review_data.reviewableId,\n\"idsReviewed\": fldval,\n}\n},\n}\n})\n);\n}).catch(error => { console.error('Failed to fetch notes:', error); });\n} catch (error) { console.log('Error during processing:', error); }\n\n\nvar optin = document.getElementById(\"check-1c\").checked;\nif (optin == true) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSignUpPayload(email);\n} else if (optinCheck == 0) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSegmentReviewEventPayload(email);\n}\n\n}\n\n\n\n\n}\n});\n\n\n\n\n\nfunction getSegmentReviewEventPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentReviewEvent(email,trackingParams);\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentReviewEvent(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"formSubmitted\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\nreturn true;\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nvar phoneNumber = '';\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\nreturn true;\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) { return; }\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>first direct has no physical branches but it\u2019s well known for its 24\/7 call centre where you can always find actual human beings answering the phone, no matter how late in the night it is. If you need to deposit money or prefer to access any services in a phyical branch, you can get these services in a branch of parent company HSBC. It also has a <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-perks-review\">perks reward programme<\/a>.<\/p><p>It only offers one current account option, and regularly offers an enticing switching incentive and access to a very competitive regular savings account.<\/p><h3>How we scored first direct<\/h3><table id=\"firstdirect\" class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">App rating<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>first direct scores highly on the App Store, but slightly lower on Google Play.<\/td><\/tr><tr><th scope=\"row\">Monthly fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>first direct is free to use, with no monthly fee.<\/td><\/tr><tr><th scope=\"row\">Transaction fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>There are no transaction fees with first direct.<\/td><\/tr><tr><th scope=\"row\">Overseas fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>first direct has no fees for using your card abroad.<\/td><\/tr><tr><th scope=\"row\">Customer service<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>first direct scored highly in the Finder Customer Satisfaction Survey.<\/td><\/tr><tr><th scope=\"row\">Green credentials<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>first direct scored poorly due to its subpar operational emissions and its exposure to fossil fuels.<\/td><\/tr><tr><th scope=\"row\">Account access<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.4<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>first direct offers multiple options for account access, including some branch services via HSBC and the Post Office.<\/td><\/tr><tr><th scope=\"row\">Payment features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>first direct has most payment features available, but no cashback or rewards programme.<\/td><\/tr><tr><th scope=\"row\">Extra features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Extra features include an overdraft, a regular saver and spending categories.<\/td><\/tr><\/tbody><\/table><h3>What is the first direct 1st Account?<\/h3><p>The first direct 1st Account offers everything you\u2019d expect from a bank account, plus a \u00a3250 interest-free overdraft and access to a regular saver account. There\u2019s no monthly maintenance fee to worry about either. <\/p><p>You can open the account on an individual or joint basis and it can be managed over the phone, by post or via online or mobile banking. There are no first direct bank branches, but customers can use HSBC branches instead. <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-switch-deal\">first direct also runs switching deals<\/a> where you can be paid an incentive to join.<\/p><h3>How does it work?<\/h3><p>The first direct 1st Account offers the following key features:<\/p><ul><li><strong>Interest-free overdraft.<\/strong> The account offers a \u00a3250 interest-free overdraft (if you\u2019re eligible). Interest is charged at 30.5% EAR on anything over this.<\/li><li><strong>Sweep facility.<\/strong> You can automatically sweep spare money into one of first direct\u2019s savings accounts on whichever day you choose to help you save.<\/li><li><strong>Access to a regular saver account.<\/strong> Save between \u00a325 and \u00a3300 a month for 12 months and earn 7% AER.<\/li><li><strong>24\/7 banking access.<\/strong> You can manage your account 24\/7 by phone, online or mobile banking.<\/li><li><strong>Excellent customer service.<\/strong> first direct frequently comes top in customer satisfaction surveys.<\/li><\/ul><p>The account also regularly offers cash incentives for switching to it so keep an eye out for those. <\/p><h3>The benefits of banking with first direct<\/h3><ul><li><strong>Switching incentive.<\/strong> If you\u2019re unhappy with your bank, don\u2019t hesitate to switch. first direct often has a switching incentive on the go and these days you can easily get the equivalent of a couple of free dinners for two in cash as a cash bonus. <\/li><li><strong>Multiple ways to bank.<\/strong> As we said, there are no physical branches, but you can bank on the phone, online or via the app. And if you need to pay cash into your account, you can do it at one of HSBC\u2019s branches or at the post office. If it\u2019s a cheque, you can use your app.<\/li><li><strong>Access to a high-interest savings account.<\/strong> first direct\u2019s Regular Saver Account has one of the top-paying rates availabe, allowing you to pay a set amount in each month and earna. decent rate of interest. <\/li><li><strong>Fee-free overseas spending.<\/strong> There\u2019s no first direct debit card fees when you use it abroad to either make a payment or withdraw cash. Note that even though there are no first direct overseas fees, you may be required to pay fees that are outside of first direct\u2019s control. For example, some cash machine operators may apply a direct fee for withdrawals from their cash machines.<\/li><li><strong>Mobile banking app.<\/strong> first direct\u2019s app is very easy to use, although it doesn\u2019t offer loads of functionalities \u2013 no budgeting tools or categorisation of your spending here, sorry.<\/li><li><strong>Global acceptance.<\/strong> first direct\u2019s cards are either Mastercard or Visa, so you can shop pretty much anywhere in the world without having to worry about acceptance.<\/li><li><strong>A wide range of related products.<\/strong> first direct also offers mortgages, loans, credit cards, insurance and savings accounts.<\/li><li><strong>Round-the-clock assistance.<\/strong> You can give first direct a call at 3am and there will still be someone there to answer your call and help you out with whatever problem you\u2019re having.<\/li><\/ul><h3>Opening an account with first direct<\/h3><p>To open an account with first direct, you\u2019ll have to provide the following information:<\/p><ul class=\"list-1 has-margin-bottom\"><li>How much you expect to pay in each month<\/li><li>Your salary details and any assets you have<\/li><li>Your nationality\/citizenship<\/li><li>Your residence status\/tax residence status<\/li><li>Proof of identity (passport, UK driving license)<\/li><li>Proof of address (bank statement, utility bill)<\/li><\/ul><p>You can open a first direct account online and send the documents online or by post.<\/p><h3>Who is it for?<\/h3><p>You can apply for the 1st Account if you are aged 18 or over and a UK resident, so long as you haven\u2019t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or be in the process of doing so). You will need to have a phone number and email address you can be contacted with.<\/p><h3>What are the benefits?<\/h3><p>One of the biggest benefits of the first direct 1st Account is that the bank offers fantastic customer service. So if you\u2019re fed up with your existing bank, this could be the one to switch to. <\/p><p>It also offers a \u00a3250 interest-free overdraft that could come in handy if you sometimes dip into the red. <\/p><h3>What does the first direct app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct1.png\" alt=\"first direct app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct2.png\" alt=\"first direct app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-Direct2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-direct.png\" alt=\"first direct app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-direct.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-direct.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-direct.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-direct.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/First-direct.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><\/div><h3>Does first direct offer any promotions, discounts or refer-a-friend offers?<\/h3><p>Yes, first direct has <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/first-direct-switch-deal\">a switching deal<\/a> if you use this Current Account Switch Service. We have <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\">a guide on all the current switching deals<\/a>.<\/p><h3>Does first direct offer joint accounts?<\/h3><p>Yes, it does, for 2 people. You can open <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/joint-bank-accounts\">a joint account<\/a> online.<\/p><h3>Does first direct offer premium\/packaged or premier accounts?<\/h3><p>No, first direct doesn\u2019t offer a premium or premier account. You can compare other options in <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/premium-bank-accounts\">our guide<\/a>.<\/p><h3>Is it safe?<\/h3><p>Yes, first direct is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Eligible deposits will be protected by the Financial Services Compensation Scheme (FSCS) up to \u00a3120,000 per person. <\/p><p>Note that the limit applies per banking institution. As first direct is part of HSBC, this means if you have more than \u00a3120,000 held in accounts across the 2 banks, any amount over the \u00a3120,000 limit won\u2019t be covered.<\/p>\n        \n            <h3>What do customers say about first direct?<\/h3>\n        <p>97% of customers we <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks#best\">surveyed<\/a> in 2026 would recommend first direct to a friend.<\/p>\n        <p>It consistently receives glowing praise for its industry-leading, 24\/7 UK-based customer service, with users loving the ability to speak to a real person immediately without navigating frustrating automated menus. The app is described as simple, safe, and efficient, and the linked regular savings account is a popular benefit.<\/p>\n<p>While a small number of users feel the online platform could be slightly more \"tech-savvy\" compared to newer challenger banks, the overwhelming consensus is that first direct provides an exceptionally reliable and helpful banking experience.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n    <div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Davinder Bansil's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/Davinder-Bansil_512x512.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/Davinder-Bansil_512x512.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/Davinder-Bansil_512x512.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/Davinder-Bansil_512x512.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg width=\"19\" height=\"12\" viewbox=\"0 0 19 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n      <path d=\"M13.0023 0.332947H0.333008V5.99998C0.333008 9.12984 2.87019 11.667 6.00004 11.667C7.32857 11.667 8.55054 11.2075 9.51614 10.4384L9.55942 10.505C10.5117 11.2342 11.707 11.667 12.9989 11.667C16.1288 11.667 18.666 9.12984 18.666 5.99998C18.666 2.87013 16.1288 0.332947 12.9989 0.332947H13.0023Z\" fill=\"white\"><\/path>\n      <path d=\"M15.4225 2.71353C15.0196 2.71353 14.6434 2.8667 14.3137 3.12974C14.5834 3.33951 14.7632 3.66248 14.7632 4.03207C14.7632 4.6647 14.2505 5.17746 13.6178 5.17746C13.4813 5.17746 13.3548 5.15083 13.2316 5.10754C13.175 5.39056 13.145 5.69023 13.145 5.99988C13.145 7.81453 14.1639 9.28956 15.4225 9.28956C16.6811 9.28956 17.7 7.81786 17.7 5.99988C17.7 4.1819 16.6811 2.71021 15.4225 2.71021V2.71353Z\" fill=\"#232320\"><\/path>\n      <path d=\"M13.0022 0H0V6C0 9.30966 2.69034 12 6 12C7.30522 12 8.51054 11.5771 9.49612 10.8679C10.5216 11.6071 11.727 12 12.9989 12C16.3085 12 18.9989 9.30966 18.9989 6C18.9989 2.69034 16.3085 0 12.9989 0H13.0022ZM0.665927 6.00333V0.669256H6C8.94007 0.669256 11.3341 3.06326 11.3341 6.00333C11.3341 8.9434 8.94007 11.3374 6 11.3374C3.05993 11.3374 0.665927 8.9434 0.665927 6.00333ZM13.0022 11.3374C11.9301 11.3374 10.9145 11.0244 10.0355 10.4317C11.2408 9.33296 12.0033 7.75805 12.0033 6C12.0033 3.67592 10.6748 1.66149 8.73696 0.665927H13.0022C15.9423 0.665927 18.3363 3.05993 18.3363 6C18.3363 8.94007 15.9423 11.3341 13.0022 11.3341V11.3374Z\" fill=\"#232320\"><\/path>\n      <path d=\"M8.4242 2.71353C8.02131 2.71353 7.64506 2.8667 7.31543 3.12974C7.58513 3.33951 7.76493 3.66248 7.76493 4.03207C7.76493 4.6647 7.25217 5.17746 6.61954 5.17746C6.48302 5.17746 6.3565 5.15083 6.2333 5.10754C6.1767 5.39056 6.14673 5.69023 6.14673 5.99988C6.14673 7.81453 7.1656 9.28956 8.4242 9.28956C9.6828 9.28956 10.7017 7.81786 10.7017 5.99988C10.7017 4.1819 9.6828 2.71021 8.4242 2.71021V2.71353Z\" fill=\"#232320\"><\/path>\n    <\/svg>\n\n    <svg width=\"47\" height=\"12\" viewbox=\"0 0 47 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n      <path d=\"M1.98383 0.568634L-0.00195312 11.7797H2.78274L3.50933 7.6438H7.43815L7.8787 5.19116H3.94988L4.31482 3.10018H8.26008L8.71049 0.568634H1.98383Z\" fill=\"white\"><\/path>\n      <path d=\"M11.0319 2.84716C11.433 2.84716 11.7881 2.68935 12.084 2.38031C12.3831 2.07126 12.5344 1.72934 12.5344 1.36112C12.5344 0.992891 12.4062 0.670694 12.1497 0.404389C11.8933 0.134796 11.5711 0 11.1897 0C10.7919 0 10.4335 0.151235 10.1311 0.450417C9.82531 0.7496 9.67407 1.10467 9.67407 1.50249C9.67407 1.87071 9.80558 2.18962 10.0587 2.45264C10.3152 2.71565 10.6439 2.84716 11.0319 2.84716Z\" fill=\"white\"><\/path>\n      <path d=\"M9.35223 3.5802L7.90234 11.7798H10.6574L12.1073 3.5802H9.35223Z\" fill=\"white\"><\/path>\n      <path d=\"M19.9451 4.01421C19.5111 3.58023 18.8535 3.35995 17.9922 3.35995C17.1308 3.35995 16.3877 3.67229 15.7039 4.29367L15.5461 3.58023H13.2973L11.8474 11.7765H14.6025L15.3718 7.46302C15.5461 6.43726 16.0195 5.93752 16.8217 5.93752C17.4365 5.93752 17.7324 6.25643 17.7324 6.91398C17.7324 7.0685 17.716 7.24932 17.6864 7.45316L16.9269 11.7798H19.682L20.4678 7.34138C20.5533 6.83507 20.596 6.38794 20.596 6.01972C20.596 5.12875 20.3757 4.45476 19.9418 4.02079L19.9451 4.01421Z\" fill=\"white\"><\/path>\n      <path d=\"M28.6638 0.568634L28.0062 4.18512C27.855 4.0043 27.6314 3.83005 27.3421 3.67224C26.9673 3.46511 26.5169 3.36319 26.0007 3.36319C25.1262 3.36319 24.3141 3.59991 23.5875 4.07005C22.8642 4.5402 22.2856 5.16815 21.8648 5.93748C21.4439 6.71009 21.2302 7.53859 21.2302 8.39998C21.2302 9.10683 21.388 9.74136 21.6971 10.2871C22.0094 10.8362 22.4335 11.2603 22.9596 11.5562C23.4856 11.8521 24.0675 12 24.6889 12C25.5569 12 26.3328 11.6844 26.9969 11.0663L27.181 11.7797H29.4298L31.4156 0.568634H28.6605H28.6638ZM26.4544 9.18245C26.1486 9.39287 25.8001 9.49807 25.4188 9.49807C25.0111 9.49807 24.6725 9.36656 24.4127 9.10355C24.1497 8.84382 24.0182 8.49203 24.0182 8.06463C24.0182 7.66024 24.1168 7.28873 24.3141 6.95338C24.5114 6.61803 24.7744 6.34844 25.0933 6.15446C25.4089 5.9572 25.7443 5.85857 26.0829 5.85857C26.4807 5.85857 26.8062 5.98679 27.0561 6.24323C27.3092 6.49967 27.4341 6.84817 27.4341 7.27558C27.4341 7.64051 27.3454 7.99887 27.1744 8.34408C27.0035 8.68601 26.7602 8.96875 26.4511 9.18245H26.4544Z\" fill=\"white\"><\/path>\n      <path d=\"M36.328 8.83721L36.2951 8.8931C36.1767 9.09036 35.9795 9.28434 35.7132 9.46845C35.4502 9.64599 35.1115 9.73804 34.7104 9.73804C34.283 9.73804 33.9345 9.6164 33.6781 9.37311C33.4249 9.1331 33.2934 8.86022 33.277 8.5446H38.8168L38.9713 7.67336C39.0239 7.39719 39.0535 7.0717 39.0535 6.71006C39.0535 5.71388 38.7576 4.89852 38.1691 4.28701C37.5806 3.6722 36.7587 3.36316 35.7198 3.36316C34.7729 3.36316 33.9082 3.61631 33.1586 4.11933C32.409 4.61907 31.8172 5.27332 31.403 6.05909C30.9887 6.84485 30.7783 7.66678 30.7783 8.49529C30.7783 9.20214 30.9427 9.82681 31.2715 10.3528C31.6002 10.8789 32.0441 11.2898 32.5964 11.5726C33.1488 11.8553 33.7636 12 34.4244 12C35.3844 12 36.1998 11.7896 36.8507 11.372C37.4688 10.9775 37.9817 10.412 38.3894 9.70188L36.328 8.83721ZM34.2699 5.921C34.5888 5.67114 34.9932 5.54291 35.4666 5.54291C35.94 5.54291 36.2622 5.67114 36.4496 5.921C36.6436 6.17744 36.7422 6.44375 36.7422 6.70677C36.7422 6.72321 36.7422 6.73964 36.7422 6.74951H33.6189C33.7636 6.42402 33.9838 6.14457 34.2732 5.91772L34.2699 5.921Z\" fill=\"white\"><\/path>\n      <path d=\"M46.1968 3.73804C45.8582 3.48489 45.4209 3.35995 44.9014 3.35995C44.4477 3.35995 44.0401 3.46845 43.6916 3.67886C43.3989 3.8564 43.1458 4.0701 42.9354 4.30682L42.7381 3.58023H40.4926L39.0427 11.7765H41.7978L42.5672 7.46302C42.6592 6.94685 42.8466 6.5589 43.1261 6.31232C43.4022 6.06574 43.7409 5.93752 44.1288 5.93752C44.4444 5.93752 44.6976 6.00985 44.8817 6.1578L44.9606 6.22027L46.256 3.78407L46.2001 3.74133L46.1968 3.73804Z\" fill=\"white\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" fill=\"none\">\n      <path d=\"M0 12C0 5.37258 5.37258 0 12 0C18.6274 0 24 5.37258 24 12C24 18.6274 18.6274 24 12 24C5.37258 24 0 18.6274 0 12Z\" fill=\"#1D53FF\"><\/path>\n      <g clip-path=\"url(#clip0_5290_9827)\">\n        <path d=\"M15.3179 6.63123H3.31543V12C3.31543 14.9651 5.71907 17.3688 8.6842 17.3688C9.9428 17.3688 11.1005 16.9335 12.0152 16.2048L12.0562 16.2679C12.9584 16.9587 14.0908 17.3688 15.3147 17.3688C18.2799 17.3688 20.6835 14.9651 20.6835 12C20.6835 9.03487 18.2799 6.63123 15.3147 6.63123H15.3179Z\" fill=\"white\"><\/path>\n        <path d=\"M17.6107 8.88653C17.229 8.88653 16.8726 9.03163 16.5603 9.28083C16.8158 9.47956 16.9862 9.78553 16.9862 10.1357C16.9862 10.735 16.5004 11.2208 15.901 11.2208C15.7717 11.2208 15.6519 11.1955 15.5351 11.1545C15.4815 11.4227 15.4531 11.7066 15.4531 11.9999C15.4531 13.7191 16.4184 15.1165 17.6107 15.1165C18.8031 15.1165 19.7683 13.7222 19.7683 11.9999C19.7683 10.2776 18.8031 8.88338 17.6107 8.88338V8.88653Z\" fill=\"#232320\"><\/path>\n        <path d=\"M15.3179 6.3158H3V12C3 15.1355 5.54875 17.6842 8.68421 17.6842C9.92073 17.6842 11.0626 17.2836 11.9963 16.6117C12.9679 17.312 14.1098 17.6842 15.3147 17.6842C18.4502 17.6842 20.999 15.1355 20.999 12C20.999 8.86454 18.4502 6.3158 15.3147 6.3158H15.3179ZM3.63088 12.0032V6.94983H8.68421C11.4695 6.94983 13.7375 9.21784 13.7375 12.0032C13.7375 14.7885 11.4695 17.0565 8.68421 17.0565C5.89888 17.0565 3.63088 14.7885 3.63088 12.0032ZM15.3179 17.0565C14.3022 17.0565 13.3401 16.76 12.5073 16.1985C13.6492 15.1576 14.3716 13.6655 14.3716 12C14.3716 9.79824 13.113 7.88984 11.2771 6.94667H15.3179C18.1032 6.94667 20.3712 9.21468 20.3712 12C20.3712 14.7853 18.1032 17.0533 15.3179 17.0533V17.0565Z\" fill=\"#232320\"><\/path>\n        <path d=\"M10.9808 8.88653C10.5992 8.88653 10.2427 9.03163 9.93043 9.28083C10.1859 9.47956 10.3563 9.78553 10.3563 10.1357C10.3563 10.735 9.8705 11.2208 9.27117 11.2208C9.14184 11.2208 9.02197 11.1955 8.90526 11.1545C8.85163 11.4227 8.82324 11.7066 8.82324 11.9999C8.82324 13.7191 9.78849 15.1165 10.9808 15.1165C12.1732 15.1165 13.1384 13.7222 13.1384 11.9999C13.1384 10.2776 12.1732 8.88338 10.9808 8.88338V8.88653Z\" fill=\"#232320\"><\/path>\n      <\/g>\n      <defs>\n        <clippath id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Case study: Davinder chose first direct because of its great customer service<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I was looking for a joint account which provided great customer services but also had an easy to use app. What sealed the deal was the switcher deal at the time which was \u00a3175 and the 7% regular saver.<\/p><p>We use our First Direct 1st Account to manage our family finances, from our monthly bills all the way to doing the weekly grocery shop. The regular saving has also been great \u2013 we use it as a Christmas Fund with the high interest rate, really giving it a boost.<\/p><p><strong>If there\u2019s one thing you\u2019d tell a friend who\u2019s thinking of getting this, what would it be?<\/strong><\/p><p>Customer service is great, I never struggle to speak to customer services when needed and the wait time is the quickest I\u2019ve experienced \u2013 they are always so helpful also.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Davinder Bansil\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">Works at Finder<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                                                                                                        \n            <h3 id=\"awardspanel\">first direct and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. first direct is one of these brands and has won multiple awards!<\/p>\n                    <ul>\n                                                                        <li>2026 Customer Satisfaction Award (Current Accounts)<\/li>\n                                                                                                                                            <li>2024 Customer Satisfaction Award (Current Accounts)<\/li>\n                                                                <\/ul>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Customer service information for first direct<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can I have two first direct current accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes! There isn\u2019t a limit to the number of accounts you can open. Remember, though, to check out the competition and be wary of opening multiple accounts just to use features like overdrafts.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Does first direct pay interest on its current account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, it doesn\u2019t, although it does allow you to open a range of savings accounts.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What are the first direct current account terms and conditions?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can find them <a href=\"https:\/\/www1.firstdirect.com\/banking\/current-account\/\" target=\"_blank\" rel=\"noopener noreferrer\">on the dedicated section of first direct\u2019s website<\/a>. Just scroll down to where it says \u201cbefore you apply\u201d and click on the documents you want to take a look at.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1967107351\" data-toggle=\"collapse\" data-target=\"#sources_1967107351\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1967107351\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.finder.com\/uk\/digital-banking-statistics\" target=\"_blank\">Finder UK digital banking statistics<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/uk.trustpilot.com\/review\/www.firstdirect.com\" target=\"_blank\">Trustpilot<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/apps.apple.com\/gb\/app\/first-direct\/id405905004\" target=\"_blank\">Apple App Store<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.firstdirect.bankingonthego&amp;hl=en_GB\" target=\"_blank\">Google Play Store<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.<\/p>\n","protected":false},"author":653,"featured_media":544703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"","related_url":"\/first-direct-current-accounts","footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-185473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>first direct current accounts | 1st account review<\/title>\n<meta name=\"description\" content=\"Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"first direct current account review: 1st Account April 2026\" \/>\n<meta property=\"og:description\" content=\"Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-04-18T10:34:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Valentina Cipriani\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Valentina Cipriani\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\"},\"author\":[{\"name\":\"Valentina Cipriani\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/6d22ae9ecf33caddd840c6f2fb356b46\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9e17420e96fcfdf0d0fd4a676608e6df\"}],\"headline\":\"first direct current account review: 1st Account April 2026\",\"datePublished\":\"2019-04-18T10:34:33+00:00\",\"dateModified\":\"2026-03-24T14:36:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\"},\"wordCount\":1850,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png\",\"articleSection\":[\"Current accounts\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Finder UK digital banking statistics\",\"url\":\"https:\/\/www.finder.com\/uk\/digital-banking-statistics\"},{\"@type\":\"CreativeWork\",\"name\":\"Trustpilot\",\"url\":\"https:\/\/uk.trustpilot.com\/review\/www.firstdirect.com\"},{\"@type\":\"CreativeWork\",\"name\":\"Apple App Store\",\"url\":\"https:\/\/apps.apple.com\/gb\/app\/first-direct\/id405905004\"},{\"@type\":\"CreativeWork\",\"name\":\"Google Play Store\",\"url\":\"https:\/\/play.google.com\/store\/apps\/details?id=com.firstdirect.bankingonthego&hl=en_GB\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\",\"url\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\",\"name\":\"first direct current accounts | 1st account review\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png\",\"datePublished\":\"2019-04-18T10:34:33+00:00\",\"dateModified\":\"2026-03-24T14:36:09+00:00\",\"description\":\"Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Current accounts\",\"item\":\"https:\/\/www.finder.com\/uk\/current-accounts\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"first direct current account review: 1st Account April 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/6d22ae9ecf33caddd840c6f2fb356b46\",\"name\":\"Valentina Cipriani\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/valentinacipriani_supplied_400x400.jpg\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/valentinacipriani_supplied_400x400.jpg\",\"caption\":\"Valentina Cipriani\"},\"description\":\"Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/valentina-cipriani-09475288\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/valcipriani\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9e17420e96fcfdf0d0fd4a676608e6df\",\"name\":\"Jason Loewenthal\",\"description\":\"Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money.\",\"jobTitle\":\"Senior writer\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/jasonloewenthal\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/jason-loewenthal-8aa27a122\/\"],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/9e17420e96fcfdf0d0fd4a676608e6df\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/JasonLoewenthalF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/JasonLoewenthalF1_Finder_600x600.png\",\"caption\":\"Jason Loewenthal\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-03-24T14:36:09+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"first direct current accounts | 1st account review","description":"Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts","og_locale":"en_GB","og_type":"article","og_title":"first direct current account review: 1st Account April 2026","og_description":"Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.","og_url":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2019-04-18T10:34:33+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png","type":"image\/png"}],"author":"Valentina Cipriani","twitter_card":"summary_large_image","twitter_creator":"@findercomUK","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Valentina Cipriani","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts"},"author":[{"name":"Valentina Cipriani","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/6d22ae9ecf33caddd840c6f2fb356b46"},{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9e17420e96fcfdf0d0fd4a676608e6df"}],"headline":"first direct current account review: 1st Account April 2026","datePublished":"2019-04-18T10:34:33+00:00","dateModified":"2026-03-24T14:36:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts"},"wordCount":1850,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png","articleSection":["Current accounts"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"copyrightYear":"2019","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"},"citation":[{"@type":"CreativeWork","name":"Finder UK digital banking statistics","url":"https:\/\/www.finder.com\/uk\/digital-banking-statistics"},{"@type":"CreativeWork","name":"Trustpilot","url":"https:\/\/uk.trustpilot.com\/review\/www.firstdirect.com"},{"@type":"CreativeWork","name":"Apple App Store","url":"https:\/\/apps.apple.com\/gb\/app\/first-direct\/id405905004"},{"@type":"CreativeWork","name":"Google Play Store","url":"https:\/\/play.google.com\/store\/apps\/details?id=com.firstdirect.bankingonthego&hl=en_GB"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts","url":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts","name":"first direct current accounts | 1st account review","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png","datePublished":"2019-04-18T10:34:33+00:00","dateModified":"2026-03-24T14:36:09+00:00","description":"Looking to open an account with first direct? Here are the current accounts it offers, the benefits of banking with first direct and how to open an account.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/04\/First-Direct-Featured-Image-1800-x-1000.png","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Current accounts","item":"https:\/\/www.finder.com\/uk\/current-accounts"},{"@type":"ListItem","position":3,"name":"first direct current account review: 1st Account April 2026"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/6d22ae9ecf33caddd840c6f2fb356b46","name":"Valentina Cipriani","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/valentinacipriani_supplied_400x400.jpg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/valentinacipriani_supplied_400x400.jpg","caption":"Valentina Cipriani"},"description":"Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism.","sameAs":["https:\/\/www.linkedin.com\/in\/valentina-cipriani-09475288\/"],"url":"https:\/\/www.finder.com\/uk\/author\/valcipriani","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9e17420e96fcfdf0d0fd4a676608e6df","name":"Jason Loewenthal","description":"Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money.","jobTitle":"Senior writer","url":"https:\/\/www.finder.com\/uk\/author\/jasonloewenthal","sameAs":["https:\/\/www.linkedin.com\/in\/jason-loewenthal-8aa27a122\/"],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/9e17420e96fcfdf0d0fd4a676608e6df","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/JasonLoewenthalF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/JasonLoewenthalF1_Finder_600x600.png","caption":"Jason Loewenthal"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2026-03-24T14:36:09+00:00"},"hrefLangLinks":[{"region":"United Kingdom","locale":"en-gb","url":"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts","isCurrentSite":true}],"custom_fields":{"_wp_page_template":["default"],"_content_type":["niche-content\/recommendation\/product-review"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":true,\"overrideCTA\":{\"label\":\"More\",\"target\":\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=9795641b051c3a8af919b5c7e84c5cd96b309959d7d86052b6f0f3feb965fac8#comparison-table-0000000001\",\"containerText\":\"\"},\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"If you&#039;re looking for reliable customer service, consider a current account with first direct.\"}"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/185473"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/653"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=185473"}],"version-history":[{"count":17,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/185473\/revisions"}],"predecessor-version":[{"id":575497,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/185473\/revisions\/575497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/544703"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=185473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=185473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=185473"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=185473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}