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first direct: Current account reviews

Name: Current account
Rating: 4.68 (1496 reviews)

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4.68

Based on 1,496 reviews, last reviewed 2nd Sep 2026

86% 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

People on the phone It's rare to be able to access a human without layers of ai bots these days, FD have people who pick up calls! Reviewed on: 2nd September 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 (1496)

First Direct - the best bank ever

First Direct provides outstanding customer service through their telephone banking service. Staff are friendly, highly competent and helpful. There are no lengthy waits on the phone, responses are immediate. Online services are also excellent. No other bank could compete with this 1st class service Reviewed on: 23rd January 2026

First direct customer service is flawless f.

First direct customer service is flawless. Whenever I call there is no waiting queue, I am speaking to someone in seconds. They also offer free £250 overdraft and now 0% non-sterling transactions. They do not have the best savings rates, but for an everyday bank they are great. Reviewed on: 23rd January 2026

First direct - first class

App simple and effective, rarely need to contact them, but when I do, their service always first class. Reviewed on: 23rd January 2026

First class banking merchants excelling in customer...

First class banking merchants excelling in customer service, both online and on the phone. All backed up by a professional, easy to navigate website and app. Offers value for money Savings rates (7% regular saver) and basically free Foreign currency transactions. Plus the app offers all the banking services that I require. Their consultant colleagues are very knowledgeable on the phone, very polite and deal expertly with technical, IT related matters. Reviewed on: 23rd January 2026

Couldn’t recommend First Direct highly enough

I have been with First Direct for a good few years now and also recommended them to my husband and both daughters. Their customer service is second to none and you can get hold of them and speak to actual people within a few minutes. They have always been so very helpful to me and more so when my card was cloned and used for large amounts. They also provided someone to go through security tips and things to watch out for. Reviewed on: 22nd January 2026

I have never encountered any issues in my time with...

I have never encountered any issues in my time with First Direct. They offer access to a good regular savings account through holding a current account. The rate of interest is usually one of the highest I have seen on the market at any given time. Reviewed on: 22nd January 2026

Always there

Never have any issues, and now also great exchange rates overseas Reviewed on: 22nd January 2026

Efficient banking.

Efficient banking. Web site clear and easy to negotiate. First class customer service. Reviewed on: 22nd January 2026

Does what it says on the tin!

Easy app, good customer service, good additional products eg great personal loan rates and good credit cards Reviewed on: 22nd January 2026

First Direct has been my bank for the last 20 years...

First Direct has been my bank for the last 20 years and has always been easy to deal with. Reviewed on: 22nd January 2026

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