Write a review

Newsletter

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

View other first direct products

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

Read all reviews See your 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.

first direct Current account reviews (1495)

Review of the first direct, Current account:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

Many years of great service.

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

Great customer service

UK call centres, quick to answer calls and very helpful! Reviewed on: 31st December 2017

Good customer service

Staff very helpful and knowledgeable and texts sent to advise of balances and if gone over overdraft limit. Bank offers a professional and very customer-focused service and have been very helpful to me and enabled me to manage my money efficiently. Reviewed on: 31st December 2017

Hi tech banking

I have been with 1st direct for several years and the service is excellent. I can speak to a person in a UK call centre - YES A UK CALL CENTRE!!! and get immediate help to solve any problems. I use the iPhone app which is brilliant and it takes seconds to check all my accounts daily on my commute. I feel totally in control of my banking and have confidence in 1st direct. As long as they continue in the same vein and don't move their call centres abroad then I'll be a customer for life. Reviewed on: 31st December 2017

Very effective

When you ring, you get an actual person, who is well trained, polite and helpful Reviewed on: 30th December 2017

i wouldnt bother.....

after banking with them for over 30 years having a LOT of savings with them, my mortgage and my partners banking plus recommending countless friends, they have refused to give my 18 year old daughter an account. cant supply a reason why. goodbye first direct - feels like the ultimate betrayal. Reviewed on: 22nd December 2017

Friendly, efficient

Answer the phone immediately, no waiting in a queue, friendly. I'd recommend them Reviewed on: 13th December 2017

Excellent customer service.

Nothing to much trouble very polite, knowledgeable staff. Recently joined online banking, which I had concerns about. But I was very impressed with the many levels of security on set up that you need to go through. And for access you have a simple password for your mobile which cant be saved on your device. If you forget your password, you just get taken through the easy steps only you know the answer to. Also when calling they now have voice recognition activated which is very impressive, they just ask you a couple of questions and computer does the rest. No more passwords to remember. I can't rate this bank highly enough, absolutely FIRST CLASS Reviewed on: 12th December 2017

All very good so far!

Switched to First Direct after appalling customer 'service' from M&S Bank and have found them very good so far in all respects and far better organised and run than M&S Bank, Hope to continue as a satisfied / happy customer!! Reviewed on: 10th December 2017

World Class Customer Service

I have been with First Direct for over 20 years. The Calibre of the staff is world class. They are extremely knowledgeable, exceptionally courteous and professional, very articulate and easy to talk to. I have never had the same level of customer service in any other bank or financial institution. Reviewed on: 3rd December 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

Select current account
from RBS 4.15 from 369 reviews
Current account
from Chase Bank 4.86 from 49015 reviews
Current account (discontinued)
from Tesco Bank 4.41 from 70 reviews

Want to see more from first direct?

Regular saver
from first direct 4.76 from 150 reviews
Bonus Saving Account
from first direct 4.68 from 59 reviews
Fixed Rate Mortgage
from first direct 4.65 from 45 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