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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)

Internet banking pioneers

At start up First Direct were miles ahead of its competition- today it is still in the top 10 with fintech start ups like Starling bank et al Reviewed on: 16th January 2018

I love first direct

They are amazing, best bank I've ever used. Reviewed on: 16th January 2018

Great customer service

Great customer service the few times I have needed to call them Reviewed on: 14th January 2018

No button pressing

Every time I ring to speak with FD I get straight through to a person... a real live person! A person who is helpful and gives me good advice I've been tempted by some cah offers to change banks, but I'm sticking with FD Reviewed on: 13th January 2018

Nice welcome bonus great customer service

I was given £150 to join first direct. My transfer was done within 2 weeks and I had my welcome bonus at the end of it. I’ve rang up the customer service team on more than one occasion and they are very professional and friendly. Would recommend to anyone. Reviewed on: 12th January 2018

Best bank I've ever had

I've switched banks several times, yet have never wanted to leave First Direct. Customer service is fantastic and products very competitive. I wish other companies would take note! Reviewed on: 11th January 2018

Excellent Bank, helpful and hassle free

Switching to First Direct was easy and quick, they moved all my payments, standing orders and DD's within 7 days and gave me an incentive which was paid promptly. Telephone banking is easy and the advisors are always courteous and friendly, and are happy to explain things to you for as long as necessary Reviewed on: 10th January 2018

Switching and Banking made easy

I switched from Barclays after about 8 years and haven't looked back, a great professional easy to use service. Fair fees and support of all latest technologies.. Reviewed on: 10th January 2018

Always a Helpful Service

Whenever i need to get anything sorted, just email or call and its never too much trouble Reviewed on: 10th January 2018

No longer tempted to switch for cash

I love my FIrst Direct Account so much that I’m no longer tempted to switch bank accounts annually which I have done in the past, they’re just too good to leave. Reviewed on: 8th January 2018

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