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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

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4.71

Based on 1,425 reviews, last reviewed 24th Feb 2026

6100% increase 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

Always there when I need them Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notification... Read more Reviewed on: 24th February 2026

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

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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 (1425)

Superb Customer Service Everytime

I switched to First Direct two years ago after having been with the same bank previously for almost 30 years! I love the fact that it easy to speak to someone quickly on the phone and they are always really friendly and helpful. I mainly use online banking and it is great and super efficient. I couldn't recommend them highly enough and won't be switching again any time soon! Reviewed on: 6th November 2017

Excellent company

Always available to help. Very clear and concise. Great service. Reviewed on: 6th November 2017

A good bank with superb customer service

Your form insisted that I should select just one product, but I would not have done so out of my own choice; it is First Direct themselves who are so good. I have been with them for around 20 years, and only once in all that time did I find myself on hold when I rang up - and that was only for a few seconds. Their customer service is second to none. They get things right the first time; when you hear of other banks (e.g. NatWest) having data breaches, or letting their computer systems fail so that people cannot access their accounts, it throws First Direct into superb contrast. Nothing like that ever goes wrong. Ever. They are totally and completely trustworthy. Reviewed on: 6th November 2017

consistently great

Banked with First Direct for over 20 years and they've been excellent - great service on the telephone 24hrs a day, and robust online banking - app and desktop. Reviewed on: 6th November 2017

Excellent customer service

If you call with a query the phone is always answered quickly . Lovely to speak directly to a person without having to press options. Reviewed on: 4th October 2017

Simply the best!

365 availability at any time. Top service from friendly, professional people. Access by internet or phone if needed. Reviewed on: 27th September 2017

A rose in lots of thorns

They are a true internet bank. The only things I cannot do on line is pay in cash/cheques (use a Post Office) or remove cash (ATM). I have been with them a number of years and on the rare occasion I have had a problem, it has been solved immediately. More than I can say for the other banks I am with! Reviewed on: 25th September 2017

The bank you need

I use on-line banking as a preference and the First Direct on-line banking system is second to none. I have had other online bank accounts over the years and none have worked as well and seamlessly as the First Direct product. I would thoroughly recommend it. Reviewed on: 18th September 2017

Not a bad word to say!

I swapped from HSBC to First Direct around Christmas last year and I couldn't fault the process at all. The customer service team are incredibly helpful and never make me feel stupid or an inconvenience when I ask them anything. I mainly bank via the app and have had no bad experiences with it at all. Reviewed on: 22nd August 2017

Customer service is good but that's all there is...

Customer service is really good. You get through to some one right away and are dealing with your query in minutes. Though, there is nothing really more to first direct - you don't really get any benefits (low interest rates, a pretty lack luster app..) it really feels like a no frills bank. Competitors have better interest rates, benefits such as rewards and cash back etc - first direct has nothing but good customer service. I don't find myself calling my bank often (reallistically, why should you these days when it's all online!) Also, all the security questions etc were a pain along with the various codes etc. I seen no beneift from staying, as I wasn't getting anything back from first direct after 4 years - especially from a product that would technically cost 10 pound a month if I didn't meet the quota. In the end, I decided to leave for a competitor that would offer better benefits such as rewards and cashback on certain purchases and I am a lot happier (better app too!) even if I need to press one when calling and entering my details on the phone. Reviewed on: 21st August 2017

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