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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)

They do what they say

Have no reason to complain, very easy to deal with over the phone. Internet banking is easy Reviewed on: 4th January 2018

15 years and counting!

Been with FD for 15 years and have always found the bank easy to deal with and the website is always ahead of other banks Reviewed on: 4th January 2018

Easy to use online account

I've been very happy with First Direct since joining them several years ago. Their online banking app is very easy to use and their communications straightforward. Reviewed on: 4th January 2018

Friendly , hassle-free banking

A great account supplied by an excellent company. The first account comes with a £250 fee free overdraft and the facility to use another £250 without arrangement. Customer services are only a phone call away and have always been polite and very efficient in dealing with any queries/problems. They have generous offers to persuade people to switch to this account so I'd highly recommend anyone to make the change now, you wont regret it . Reviewed on: 3rd January 2018

Best for banking

First Direct are honest and straight forward. I have banked with them for 20 years or more and have never had a reason to complain. Excellent customer service and products. Reviewed on: 3rd January 2018

Always great service.....

I'be been banking with first direct for 7 years and wouldn't go anywhere else. Their products are always good and easily accessible. Their customer service is excellent. What's else do you need? Reviewed on: 2nd January 2018

Easy, happy banking

You get through to the customer service helpline within a few rings- no pressing buttons or hold music! The overdraft is extremely cheap, online banking and mobile banking app are easy to use, and there are lots of add ons like savings accounts that you can apply for. I love my bank. Reviewed on: 1st January 2018

Best online bank

They have been great and easy to use with great extra benefits Reviewed on: 1st January 2018

Long term good service

I first joined First Direct when it was simply a phone contact system. As a customer of many years I am impressed how easy it is to contact and speak to a human being whenever necessary. A situation sadly missing in most companies in all areas of live these days. Reviewed on: 1st January 2018

Many years of great service.

Love this bank account. So many years of reliability. Reviewed on: 1st January 2018

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