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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

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4.71

Based on 1,425 reviews, last reviewed 24th Feb 2026

6100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Always there when I need them Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notification... Read more Reviewed on: 24th February 2026

Latest lowest rating:

1

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

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About this product

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

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

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

first direct Current Account reviews (1425)

Review of the first direct, Current Account:

all good no problems so far.

all good no problems so far. i think they are simple to get in touch with and their customer service is good. Reviewed on: 26th February 2025

Challenging set-up process, excellent customer service

Opening the account was hardwork - shame you can't use the HSBC branches during this process. However, customer service and products are very good. Reviewed on: 19th July 2018

Great online account with options to link to savings accounts and mortgages and good online security

Always happy with the service and the online security is top notch Reviewed on: 17th July 2018

Easy to use webite.

Competitive rates of interest and overdraft charges etc. Website is clear and easy to navigate. Reviewed on: 30th June 2018

Always on hand to help!

Love the fact that the First Direct team is always on hand, no matter what time of day! Also like the fact it's a UK call team, so no language barrier. Reviewed on: 29th June 2018

excellent

Excellent bank always there to help you with a prompt and efficient service Reviewed on: 26th June 2018

Best service

I can't fault the service I have received from first direct down the years Reviewed on: 31st May 2018

Amazing

First Direct has amazing customer service and it's the best bank! Reviewed on: 17th May 2018

Entirely happy - all good so far

Switched to First Direct as a consequence of very bad experience with M and S Bank, based on First Direct’s positive customer feedback ratings, even though they’re both of them offshoots of HSBC. All is very good at least so far: they seem most helpful and their online banking systems are effective. So can recommend. Reviewed on: 27th April 2018

Cannot do better

Can’t improve on the personal service this bank provides. Helpful, efficient and safe Reviewed on: 13th April 2018

Excellence

First rate First Direct - efficient, fast response to calls, does everything you need a bank to do just better Reviewed on: 9th April 2018

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