Write a review

first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1349 reviews)

View other first direct products

4.68

Based on 1,349 reviews, last reviewed 12th Jun 2025

45% 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

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

Latest lowest rating:

1

Rejected for being unemployed Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 2025

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 Current Account reviews (1349)

Review of the first direct, Current Account:

Protects your money always

Straightforward to move money, regular updates/advice and information..protects your money always Reviewed on: 2nd April 2025

Humans pick up the phone!

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

Excellent service 24 hours per day, every day.

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

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

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

Exceptional customer service

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

First Direct are very efficient

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

Rejected for being unemployed

Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 2025

I used to really like First Direct but they have cha...

I used to really like First Direct but they have changed their employees and they are not as helpful nor knowledgeable as they used to be. Reviewed on: 22nd April 2025

Does what it says on the tin.

Does what it says on the tin. Excellent and easy to use App and excellent customer service. Reviewed on: 18th April 2025

A banking relationship worth having!

I’ve been a first direct customer for around 30 years and have always enjoyed being a customer. It’s not that things have never gone wrong during this time, but it’s how they have dealt with the mistakes or challenges that have always demonstrated why this is an organisation that really understands customer service, and get things fixed in a way I can trust. It counts that I can rely on my bank (across all my accounts with them, not just my current account) to do the right thing, not just the minimum they can get away with. That’s a relationship worth having and one I’ve never regretted establishing back in the late 90’s. Long may it continue! Reviewed on: 18th April 2025

A must have Account.

A must have Account. Excellent performance Reviewed on: 17th April 2025

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

Alternative products

Current account
from Kroo 4.90 from 4063 reviews
FlexPlus
from Nationwide 3.99 from 320 reviews
Current Account
from Yorkshire Bank 3.77 from 76 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Fixed Rate Savings
from first direct 4.96 from 13 reviews
Tracker Rate Mortgage
from first direct 4.87 from 7 reviews

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