Write a review

first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

View other first direct products

4.69

Based on 1,357 reviews, last reviewed 15th Sep 2025

89% decrease 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

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

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 Write a 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.

Review first direct: Current Account now

Help others make smarter decisions by sharing your own experience.

Write a review

first direct Current Account reviews (1357)

Not a bad word to say!

I swapped from HSBC to First Direct around Christmas last year and I couldn't fault the process at all. The customer service team are incredibly helpful and never make me feel stupid or an inconvenience when I ask them anything. I mainly bank via the app and have had no bad experiences with it at all. Reviewed on: 22nd August 2017

Customer service is good but that's all there is...

Customer service is really good. You get through to some one right away and are dealing with your query in minutes. Though, there is nothing really more to first direct - you don't really get any benefits (low interest rates, a pretty lack luster app..) it really feels like a no frills bank. Competitors have better interest rates, benefits such as rewards and cash back etc - first direct has nothing but good customer service. I don't find myself calling my bank often (reallistically, why should you these days when it's all online!) Also, all the security questions etc were a pain along with the various codes etc. I seen no beneift from staying, as I wasn't getting anything back from first direct after 4 years - especially from a product that would technically cost 10 pound a month if I didn't meet the quota. In the end, I decided to leave for a competitor that would offer better benefits such as rewards and cashback on certain purchases and I am a lot happier (better app too!) even if I need to press one when calling and entering my details on the phone. Reviewed on: 21st August 2017

First direct are fab.

I 've switched to first direct current account a few years back. Totally top for customer service. Debit card can be used to pay into post office too. 250 free overdraft also. Whats not to love.? Reviewed on: 14th August 2017

Easy account

Easy to contact First Direct, easy to monitor accounts, easy to get help. Just easy! Reviewed on: 5th August 2017

Friendly

Friendly and professional , great app to move money also Reviewed on: 2nd August 2017

First Firect First Class

I've been with First Direct since the bank opened. I like that you get straight through to a friendly operator 24 hrs a day 365 days a year. No press 1 blah blah blah nonsense. I get a £250 free overdraft and can manage my account online or go into HSBC branches or the post office. I wouldn't bank with anyone else. Reviewed on: 18th July 2017

Best Banking Experience

I have been with FD for 10 years now. Can't flaw them in any department and have had amazing and friendly service anytime I need to call in. Would highly recommend. Reviewed on: 3rd July 2017

Best bank account around

Best bank account around - easy to use; great app; keep me updated on my balance with SMS and the app. Can't fault First Direct Reviewed on: 29th June 2017

Black & white banking

What you see is what you get with FD. Over the years they've invested in improving their app and to this day I feel confident as a customer to manage my finances via the app or online. On rare occasions I call up. No frills, no added bits and bobs but it works and I'm happy :) Reviewed on: 24th June 2017

Excellent Customer Service,

If you make a telephone enquiry it's easy to get through to speak to someone without a lot of menu options. The staff are very friendly and helpful and I can't fault their service. Reviewed on: 11th June 2017

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 thinkmoney 2.63 from 70 reviews
Cash account
from TSB 3.96 from 91 reviews
Current Account
from M&S Bank - Marks and Spencer 2.54 from 154 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Tracker Rate Mortgage
from first direct 4.92 from 8 reviews
Fixed Rate Savings
from first direct 4.82 from 15 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