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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.

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first direct Current account reviews (1495)

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

Great Service and they answer the phone within a few rings, no options just straight through to a customer service adviser.

have banked with First Direct for a couple of years now and have been really impressed. Their service is the best I've ever had and I've banked with quite a few over the years. When you call them it is answered within a couple of rings by a customer service representative. No press 1 for blah blah then wait for 10 mins to then be transferred to another department. The customer service representatives are polite and helpful. They deal with all my enquires very quickly without having to transfer me to other departments. The online banking system that uses your phone to generate codes for various services took me a couple of attempts to get my head round, but now its very easy and simple. I have been tempted by current promotions to switch current account for a cash bonus. The question is £150 free cash to switch or stick with a bank that has such excellent service? My time is precious and i think £150 cash is not compensation enough for my sanity! Reviewed on: 8th November 2017

Excellent service for 20 years

First Direct is a telephone bank so it is available 24 hours a day which I find convenient and they do not insist on online banking which I hate. The staff are always pleasant and helpful and often really friendly. When they introduced voice recognition ID I accepted it but later heard reports of problems and they cancelled it without question. Reviewed on: 8th November 2017

Friendly customer service

Telephone staff are always pleasant, polite, friendly and helpful. Reviewed on: 8th November 2017

Very good

Useful, simple, helpful, easy to talk to someone Reviewed on: 8th November 2017

Simple, internet based banking

Opened this account 2 years ago and it’s jist so simple and saves me time too! Reviewed on: 8th November 2017

No problems

I’ve had my account in this bank for many years and have never had any problems. Easy to use, phone anytime and there’s always a friendly person at the other end. Reviewed on: 8th November 2017

Good service

I have been with First Direct over 20 years and am very happy with them. Always able to get hold of them if needed and great bank. Reviewed on: 7th November 2017

Good reliable sevice

I have banked with first direct for at lest 20 years with no problems Reviewed on: 7th November 2017

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