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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 2026

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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.

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first direct Current account reviews (1494)

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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