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

95% 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)

Excellent Service

Very easy switching service and the money came in very handy :) Very easy to use online banking service also. Reviewed on: 12th February 2017

Trustworthy and highly recommended

I have rarely had need to contact First Direct, but when I have, the customer service has been excellent. I have been extremely happy with the ongoing service I have received and do not plan on leaving. Reviewed on: 12th February 2017

First Direct Account

Very good current account, good customer service. Reviewed on: 12th February 2017

Easy to use

It's easy to manage your banking with First Direct. Daily text messages keep you informed of the state of your account, internet access makes it easy to manage your money, transfers etc and they're usually very friendly on the phone Reviewed on: 12th February 2017

Effortless reliability

I have been banking with First Direct for at least 20years now and I've never been tempted to take my business elsewhere. If I've ever wanted a loan or an overdraft it's been dealt with over the phone in record time. The customer service team are polite & helpful. The online banking is simple. I can manage most things myself with very little effort. The most wonderful thing is that they don't hassle me by trying to sell me every other service they offer, as a result of which, I always consider them. For me, they set the standard for online banking & they just get better. Reviewed on: 12th February 2017

1st Account is 1st Class

It's not often I have to contact First Direct but when I do, it's always an easy and pleasant experience. Even when I call in the middle of the night (thanks to my working patterns) I've called at 3am before and never had a problem speaking to someone who is awake, alert and helpful! One time, I had an issue with my mobile app and the person I spoke to stayed on the line throughout and made sure I was up and running before letting me go, which was brilliant as I thought I'd be given a code and left to fend for myself. I couldn't recommend First Direct more (I regularly do) and I can honestly say my 1st account with First Direct is First Class. Reviewed on: 12th February 2017

Would recommend

Free overdraft, simple on-line service, voice recognition phone security works smoothly. Reviewed on: 11th February 2017

Great Customer Service

Easy to contact, simple internet banking, very helpful customer service. Reviewed on: 11th February 2017

The best bank ever

Always at the end of the phone - helpful and friendly no matter wot the time. Once in a financial mess they didn't judge me or add on more charges they helped and supported me more then any other bank. They are the best. Reviewed on: 11th February 2017

Easy to manage

Have been a satisfied customer for many years. Excellent online service with good secure log in procedures. Easy set up of payments etc. When needed to phone uk call centre usually answered quickly with helpful operators. Reviewed on: 10th February 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

Student Current Account
from Nationwide 5.00 from 5 reviews
FlexAccount
from Nationwide 4.43 from 932 reviews
Black Account
from NatWest 4.18 from 227 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 4.83 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