Write a review

Go to business site

first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1489 reviews)

View other first direct products

4.73

Based on 1,489 reviews, last reviewed 8th May 2026

20% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 2026

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 (1489)

Great Company

We have been banking with First Direct for over a decade and would never change as their service, rates and 24 hour banking is wonderful. Reviewed on: 14th November 2017

Treat you as an actual person

With First Direct, it is never a case of computer say no. It feels like an old fashioned bank where they care about your situation or understand what you need. Will never leave them. Reviewed on: 14th November 2017

If only all companies were like this...

I have been a customer with First Direct for 20 years+ Amazing service always. Helpful. Polite. Human! Cannot fault them! I wish all companies operated at the same level of service! Reviewed on: 10th November 2017

Common sense, straight talking and fair

I phoned to take my ex-wife off my First Direct bank account and was told I would need to close the account and open a new account after being with First Direct for 20 years. Although the £100 incentive to switch bank accounts to First Direct wasn't applicable because I wasn't new, they gave it me anyway. No need to leave or threaten to leave to get an incentive elsewhere, no game playing, kind, professional and smart. Here's to another 20... Reviewed on: 10th November 2017

Fantastic

From a quick switch, First Direct offer a personal experience - when calling you speak to a real person without any time on hold; they’re quick, efficient and helpful. Banking app is good and feels secure. Reviewed on: 10th November 2017

Great service, attractive products

Great customer service, attractive products, excellent joining incentives that you don’t have to chase up Reviewed on: 9th November 2017

Fantastic customer service

I have been with First Direct for over ten years and have never had any issues with them at all. They are always friendly and helpful and if the persona cannot assist will get a colleague who can. Interest rates on their accounts isn't great but will not change to another provider. Reviewed on: 9th November 2017

good banking experience

easy to manage accounts via online service, easy to contact by phone if need to which can't be said of many companies! linked saving account at great rate. never had an issue with the, Reviewed on: 9th November 2017

The best customer service ever. Have been with them for decades!

First Direct have a wonderful telephone banking system. They now have my voice recognition, so I don't have to go through lengthy customer numbers or passwords etc. So efficient. Nothing is too much trouble for the team. They are so friendly and cheerful. BACS are a breeze. The icing on the cake is their 5% savers account, money automatically transferred monthly from my current account to the savers account. I've been with them for decades. What's not to like about this bank!!! Keep up the good work!!! Reviewed on: 8th November 2017

so easy and secure

As there are layers of security you can use different log-in details & if you forget 1 you are never locked out for long. Staff are helpful and very patient when things go wrong. The linked savings account is brilliant and I use the sweep option to move any remaining money at the end of the month to the savings account leaving me with a set amount of money My weekly text lets me know my balance and the latest transactions. All round good account Reviewed on: 8th November 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

FlexBasic
from Nationwide 4.39 from 127 reviews
Reward Platinum Account
from NatWest 4.76 from 451 reviews
Graduate Current Account
from RBS 3.74 from 11 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Fixed Rate Savings
from first direct 4.91 from 20 reviews
Tracker Rate Mortgage
from first direct 4.91 from 8 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