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first direct: Current Account reviews

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4.74
Based on 1,487 reviews, last reviewed 28th Apr 2026
26% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

Latest highest rating:

5

App, UK based telephone banking and service are bril... App, UK based telephone banking and service are brilliant. Savings rates may not be best in class so for large balances you might want to look elsewh... Read more Reviewed on: 28th April 2026
Anthony Johnson's avatar
Anthony Johnson

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025
Martin S's avatar
Martin S
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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 (1487)

GIVE SERIOUS CONSIDERATION !

4
Do not be deflected by the fact that first direct is attached to HSBC - a very secure, honest and reliable bank - and their offshoot is of equal stature. Reviewed on: 22nd January 2026
DEN's avatar
DEN

Excellent customer service

5
Always speak to a human who is always knowledgeable and helpful Reviewed on: 22nd January 2026
BDB's avatar
BDB

Always rated as a top banking provider and so far I...

5
Always rated as a top banking provider and so far I find that to be the case. Reviewed on: 22nd January 2026
Ian W's avatar
Ian W

First direct current account

5
Never had a problem, and any questions queries are answered fast and simply. Reviewed on: 22nd January 2026
Peter Ruston's avatar
Peter Ruston

They have always been there.

5
They have always been there right from their first day and, a rarity, in this day and age, they put the customer first. Reviewed on: 22nd January 2026
Robert J Morris's avatar
Robert J Morris

Always fantastic service

5
Whenever I’ve needed to speak to first direct by phone, they have been so incredibly helpful. They even have recognition so there’s no complicated codes or answers to remember and they really do everything they can to help. Reviewed on: 22nd January 2026
21leafclover's avatar
21leafclover

Top bank

5
Recently switched to first direct and it couldn’t have been easier. Also their app is excellent and all with brilliant customer service department. Reviewed on: 22nd January 2026
Peter J's avatar
Peter J

24hours phone help.

5
24hours phone help. Excellent website and app which are very easy to navigate and include excellent tips and advice on a range of financial issues. Reviewed on: 22nd January 2026
m.corfield@yahoo.co.uk's avatar
[email protected]

Excellent customer service

5
I have always had good customer service especially when I have required help with Fraudulent charges on my account, quick process to applying for loans and kept up to date with new products and procedures Reviewed on: 22nd January 2026
Lyonnaise 's avatar
Lyonnaise

Great, knowledgeable, helpful and available customer...

5
Great, knowledgeable, helpful and available customer service. Great app features and simple to use and navigate. Access to a great savings interest rate. Reviewed on: 22nd January 2026
Peter F's avatar
Peter F

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