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first direct: Current Account reviews

View other first direct products
4.68
Based on 1,358 reviews, last reviewed 29th Oct 2025
50% decrease in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

Latest highest rating:

5

Very generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025
Rachel O'Neill's avatar
Rachel O'Neill

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025
Martin S's avatar
Martin S
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About this product

The first direct 1st Account is a current account that can be opened in minutes.

If you’re eligible, you can get an interest free overdraft of £250. You won’t be charged debit card fees when spending abroad. If approved for an account, you’ll get a virtual card you can use straight away.

first direct 1st Account reviews help you find out what it’s really like to be a customer. If you’ve used first direct before, you can also leave a review and share your experience.

first direct Current Account reviews (1358)

Review of the first direct, Current Account:

Excellent customer service

5
I switched to First Direct from Natwest a few months ago. The customer service is second to none and the staff are really friendly and efficient. Reviewed on: 24th December 2015
Rebecca Cawte's avatar
Rebecca Cawte

Been with 1st direct for years.

5
Been with 1st direct for years. Excellent customer service. Great staff. Reviewed on: 26th February 2025
Shaun ramsay's avatar
Shaun ramsay

Consistent Excellent Service.

5
I’ve been with First Direct for 30 years. In that time their service has always been head and shoulders above any other company, not just financial companies. They are the benchmark I rate everyone else against Reviewed on: 26th February 2025
Paul W's avatar
Paul W

Great current account

5
Great current account, whenever I've had issues have had them resolved. App easy to use Reviewed on: 26th February 2025
cheekymonkey's avatar
cheekymonkey

Great customer service, easy to use app, and HSBC st...

5
Great customer service, easy to use app, and HSBC still have a branch in my town. Reviewed on: 26th February 2025
Firefly's avatar
Firefly

Great Current Account, great service and no issues.

5
In well over 10 years with first direct I have never had any issues with their 1st Account (a current account). It comes with free borrowing up to £250 - very useful - as well as the option of a Regular Saver Account into which you can save between £25 and £300 per month for a year and it pays an unbeatable 7% Interest. Reviewed on: 26th February 2025
JRDM53's avatar
JRDM53

Great current account

5
Since switching to First Direct I have contacted them a few times and each one was quickly answered by UK staff quickly and efficiently. The online banking is easy to use and the free overdraft is a bonus. My previous banking experience was no where as good. Reviewed on: 26th February 2025
P D's avatar
P D

I have been a customer for many years and found Firs...

4
I have been a customer for many years and found First Direct to be helpful and fits my needs. However, their ISAs and savings are not competitive. I’m annoyed that there are no incentives to keep me as a customer, only for people who switch their current account. Reviewed on: 26th February 2025
Lesley Smith's avatar
Lesley Smith

Great Current Account.

5
Used First Direct for years, firstly by telephone then web and now app. Service has always been great and very easy to use whatever method you use. Reviewed on: 26th February 2025
Mike Robertson's avatar
Mike Robertson

Overall a good bank and worth switching to.

5
Overall a good bank and worth switching to. £250 0verdraft free. Easy to operate. Reviewed on: 26th February 2025
Maverick's avatar
Maverick

Convenient & online

5
Always reliable customer service. Reviewed on: 26th February 2025
sharmck's avatar
sharmck

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