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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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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

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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 (1494)

Consistently good

I’ve been a FD customer for over 20 years and have not once had cause to complain. Their service is consistently good and their products are competitive. I’m happy to recommend First Direct Reviewed on: 8th November 2017

Customer service is great but for an online bank it's very slow

It takes days before transactions appear on my account or before my balance is updated. I mean days - like sometimes 4-5 days. This is crazy. I have started using a charge card Monzo for real time updates because it's impossible to keep on top of my spending otherwise. Also bizzarly annoying text messages every Wednesday morning to let you know what you spent. Thanks first direct but that was from over a week ago. So slow. Anytime i contact them, the customer service team are very nice. Reviewed on: 8th November 2017

Great customer service

If I ever call First Direct, the phone is answered almost immediately by a real person who can help me with my query. Great bank. Reviewed on: 8th November 2017

Definitely the best bank to deal with

Having has to deal with the likes of TSB and RBS on behalf of other family members I am so relieved that I myself bank with customer friendly First Direct. Reviewed on: 8th November 2017

Never fails

Had accounts with this bank for last 7 years and it has never put a foot wrong. Reviewed on: 8th November 2017

The most helpful and friendly bank

Their customer service is above and beyond any other bank or organisation. The security is tight and the staff are just so helpful and friendly. Everything is explained in an easy to understand way, but all the facts are laid out at the same time. I highly recommend First Direct as a bank. Reviewed on: 8th November 2017

Good helpful service

Good Bank no problems - even though no high street banks - you can still bank cheques. Also received a bonus for joining. Good telephone network Reviewed on: 8th November 2017

First direct 1st Account

Fantastic service, straightforward and always easy to speak to first direct quickly. Staff always very helpful. I frequently recommend first direct banking to friends. Reviewed on: 8th November 2017

Decent Bank

Customer Service is brilliant, when ever I have had a problem it has been dealt with over the phone in minutes by someone who understands. Reviewed on: 8th November 2017

Always straightforward

Customer service is always straightforward and queries get resolved immediately, never any hassle. Reviewed on: 8th November 2017

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