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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

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4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% 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

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th August 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.

first direct Current account reviews (1495)

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

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

A really easy way to bank via an app and online

A great bank with a linked savings account. Can do all your regular, day-to-day banking including making payments to friends and family really easily. The staff are friendly and helpful too. Reviewed on: 8th November 2017

Worth changing to

Easy to use, really helpful if you need to ring and great communication! Reviewed on: 8th November 2017

No problems would recommend

Been with the bank for nearly a year and have no complaints. Have contacted customer services and have been dealt with professionally and efficiently. The app is also easy to use. Reviewed on: 8th November 2017

The best Customer Service

The best Customer Service ever! All aboard! Reviewed on: 8th November 2017

Excellent customer service

First direct provide exceptional customer service, and I have always been impressed with the service they provide. Reviewed on: 8th November 2017

Efficient and helpful bank

These days, what with bank transfers and credit/debit card payments, I find no need to visit a bank branch in person. Consequently, virtually all of my banking needs are done by telephone and getting through to First Direct is always quick and without any problems. The receptionists are knowledgeable and always very pleasant to talk with. I usually pay tradesmen and others by bank transfer these days, and it takes only a few minutes to discuss my requirements. The payment then usually goes through on the same day. I highly recommend First Direct to anyone considering a new current account. Reviewed on: 8th November 2017

Best customer service ever

I've been with FD for about 20 years and never had a single day when I've regretted moving my account to them. They have never once let me down and in fact exceeded my expectations. Oh and they are friendly too! Reviewed on: 8th November 2017

First class service

First and foremost, I love that there are no auto messages to plough through when calling this bank. You get through to a person straightaway, an English speaking one in this country as well. They listen, they give advice, they act. Job done. Friendly, helpful, never pushy, always efficient. Secondly, I love this bank's online service. I can do almost everything online, all the usual services plus so much more. I love being able to let them know when I'm going abroad especially. Reviewed on: 8th November 2017

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