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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

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4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th August 2026

Latest lowest rating:

1

Stranded Abroad With 2 Young Kids. I switched from NatWest to First Direct. I regret it. I moved an account from NatWest to First Direct partly because of its reputation for customer s... Read more Reviewed on: 10th August 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 (1495)

Easy Banking

I do most of my banking online and it's easy to do, the interface is simple and straightforward allowing me to do most things that I want to. I also get text messages several times a week with a mini-statement and information about money going in and out of my account so I don't have to go online as often. It's just easy. But the very best thing is the customer service. Before online banking I used to manage my account by telephone and I still have to call sometimes and they are always polite, helpful and patient and I know that if I call them about anything it will be sorted or explained fully. They also call me occasionally to see if I'm happy with everything. Reviewed on: 7th February 2018

Brilliant customer service

First Direct are always top of the customer service polls. Having used them for over 10 years I can find no fault and find them helpful and easy to deal with on every interaction Reviewed on: 5th February 2018

First Direct - best telephoning banking service

I switched to First Direct from Natwest around 4 years ago. First Direct made the transition really easy, even through various complications on my side. I've never received unfair bank charges (unlike Natwest), communication is fantastic and I'm unable to get through to a customer service adviser within 2-3 rings. Customer service is second to none - always helpful, happy and polite. Wonderful bank. Reviewed on: 5th February 2018

Great for my everyday current account

Online banking is really easy to use. If I ring up, phones are answered quickly and the people are always really helpful. Reviewed on: 5th February 2018

Amazing Bank

The customer service is astounding. Reviewed on: 4th February 2018

First Rate Service from First Direct

First Direct always go out of their way to help. Be it current account, savings account or mortgage, they are super helpful and polite. Love them! Reviewed on: 4th February 2018

Best Customer Service

Great customer service, can't fault the bank. Changed over from Barclays in November, using the switch service. Was smooth, fast and was kept update through the whole process. Reviewed on: 4th February 2018

Great customer service and easy online banking

Love that when I need to call there are no automated messages and menus to go through and you get connected to a real person within a few seconds. Plus their online banking is easier than others Reviewed on: 3rd February 2018

Talk to your bank, whenever you want: simple but brilliant

Ahead of its time, this telephone (and now online) based bank is simply easy to use, friendly and reliable. In fact, they've just thanked me for 25 years of loyalty. Reviewed on: 2nd February 2018

Quick and Simple

No waiting on the phone and simple efficient processes. Very helpful staff available 24/7. Perfect. Reviewed on: 31st January 2018

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