Write a review

first direct: 1st Account reviews

Name: 1st Account
Rating: 4.69 (1241 reviews)

View other first direct products

4.64

Based on 1,241 reviews, last reviewed 6th Dec 2024

27% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

84%

10%

Latest highest rating:

5

Very happy and wouldn’t switch I have a joint current account with First Direct and have been very happy with it. We initially got a switching offer to open the account but I wouldn... Read more Reviewed on: 6th December 2024

Latest lowest rating:

1

Unethical bank, if you can get past the login screen Been with them on two different occasions and both times same experience. They have the most complicated way to log into their accounts vs any other b... Read more Reviewed on: 7th September 2024

Read all reviews See your review

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 1st Account reviews (1241)

Review of the first direct, 1st Account:

Easy to use app

Always a quick answer if any problems encountered Reviewed on: 27th January 2022

Very happy and wouldn’t switch

I have a joint current account with First Direct and have been very happy with it. We initially got a switching offer to open the account but I wouldn’t want to switch away from them now, as the service is so good. The useability of the banking app is very good and it is easy to make transfers by BACs or to scan in any cheques that we receive. One function I like about the app is that you can get it to show only transactions going in or out, which makes it easier to find a specific transaction quickly. We have only had to contact First Direct about questions or issues a couple of times and on both occasions they got back to us quickly using the chat function. My only ask would be that we could earn decent interest on the balance in the account. Reviewed on: 6th December 2024

UK call centres, very knowledgeable and polite.

UK call centres, very knowledgeable and polite. The best by far. Reviewed on: 28th November 2024

The online bank you need

Great online bank, never had a problem with them. Reviewed on: 28th November 2024

Great bank - wonderful staff

Great bank - always get to speak to a person in this country - not a call centre abroad and they are so friendly and helpful. Great to have a regular saver if you have a 1st account too. Just all round easy bank to deal with Reviewed on: 22nd November 2024

Excellent 24 hour service with humans

Excellent 24 hour service with real people always. Great site and app with few problems ever. Sadly, no extras such as cashback or interest. There is a free £250 overdraft though. Reviewed on: 20th November 2024

fd - a needle in the proverbial financial haystack

In the almost two decades I have used fd, nothing has gone wrong, no apology has been needed and things continue to work as clockwork, which in this day and age is a miracle. Reviewed on: 15th October 2024

very good banking system.

very good banking system. Never had any problems in many years. Reviewed on: 15th October 2024

Brilliant

For years have supported my ups and downs, a great backup to my finacial life Reviewed on: 24th September 2024

Unethical bank, if you can get past the login screen

Been with them on two different occasions and both times same experience. They have the most complicated way to log into their accounts vs any other bank. The names they give the codes, OTP, pins etc, vary throughout the process. So just logging in is a case of juggling 7+ different codes and passwords. Apart from their parent bank, no other bank seems to make it so hard to login. I had to repeatedly call them to unlock my accounts. Other than that, the bank account is average; nothing special. The savings rates that are then accessible with them are usually good, but like their parent HSBC; the money isn't invested ethically. Reviewed on: 7th September 2024

easy to use app and easy to get in touch with custom...

easy to use app and easy to get in touch with customer services Reviewed on: 4th September 2024

Do you have a different first direct product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

There's still more to see!

first direct has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub