Write a review

Newsletter

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

View other first direct products

4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% decrease 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 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 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 (1494)

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

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

I love this bank and its ease of use

The app is easy to use and if you need help they answer the phone quickly Reviewed on: 8th November 2017

Amazing for the people bank.

In the day and age where you can’t speak to a person for love nor money, having a bank that will answer your call with a person on the end of the line in moments is the best part of First Direct! Reviewed on: 8th November 2017

Helpful

Have had reason to phone and the operators have gone above and beyond to help when I have made mistakes,and when needing advice. Reviewed on: 8th November 2017

Happy with everything

This is a perfect bank account for online banking but also for those of us who want someone real to answer with a polite ‘hello’ when we ring. Easy to use and excellent customer service. Reviewed on: 8th November 2017

Consistently the best

Been using the 1st account successfully for 30+ years. This account offers an an extra bonus of a small free overdraft and also a savings account opportunity of around 5% per annum. Reviewed on: 8th November 2017

Excellent bank

I have been a First Direct customer for many many years and have always found them to be an excellent bank. I would have no hesitation in recommending them to anyone looking for a new bank 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

123 current account (discontinued)
from Santander 4.14 from 1276 reviews
Current account
from Weatherbys Private Bank 0.00 from 0 reviews
Current account (discontinued)
from M&S Bank - Marks and Spencer 3.25 from 156 reviews

Want to see more from first direct?

Regular Saver Account
from first direct 4.77 from 149 reviews
Bonus Saving Account
from first direct 4.69 from 58 reviews
Fixed Rate Mortgage
from first direct 4.68 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