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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)

Solid Customer Service

Excellent customer service when needed. Could use some perks with the account but can't complain about the service. Reviewed on: 7th January 2018

Good switching service

Swap and switch and receive a switching bonus also they have good customer service Reviewed on: 6th January 2018

Great account

A fab current account, with free overdraft up to £250 and easy online banking Reviewed on: 4th January 2018

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

Best online bank

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

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