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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

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4.69

Based on 1,357 reviews, last reviewed 15th Sep 2025

95% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Very generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025

Latest lowest rating:

1

Rejected for being unemployed Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 2025

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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 (1357)

Top class service every time

Consistently first class service, whether by phone , email or online. Been with them for 20+ years and can never envisage moving elsewhere. They obviously monitor 'questionable' account activity too! Reviewed on: 17th February 2016

gOOD CUSTOMER SERVICE, EASY TO USE

I APPLIED FOR A LOAN, IT WAS SO QUICK AND SIMPLE AND THE CUSTOMER SERVICE WAS BRILLIANT AND I GOT THE AMOUNT I WANTED INTO MY BANK ACCOUNT IN MINUTES. Reviewed on: 16th February 2016

Consistently Good Serice

Consistently good service across the 15 years or so that I have been banking with first direct. Always accessible, always helpful but never pushy. Simple and always available website. Trouble free banking. Reviewed on: 16th February 2016

NO issues

Never had a problem with first direct. Staff always helpful if I need to ring for anything. Could not recommend highly enough Reviewed on: 16th February 2016

Award winning

First Direct are absolutely the best out there by a mile. They win awards and for very good reason. I've been with them for 20+ years and can not imagine ever having need to change! Reviewed on: 16th February 2016

Just amazing

First Direct are amazing! 24 hour bank so theres always someone there. They are all British (sorry but i can understand them) And they always help with whatever problem i have and they sort it there and then. I will never, ever change my bank. Reviewed on: 16th February 2016

Been with first direct since they started, superb bank, no hassle at all

Any time you call them they always answer very quickly. The first person always knows all the answers - or where to get them from. They never hassle you to buy things. I couldn't be happier. Reviewed on: 15th February 2016

LOVE First Direct

I use First Direct and I absolutely LOVE them!! Nothing is too much trouble, everything is easy. I have never ever EVER had a problem with them Reviewed on: 15th February 2016

Outstanding service

Having banked with a couple of high street banks previously I was always subjected to regular calls trying to persuade me to sign up for payable accounts or other bank products. With first direct I have never had this, they are always polite, friendly and helpful but only do what I ask them for, nothing more, noting less- perfect. Reviewed on: 15th February 2016

The Christmas Day Call

I called you every year, on Christmas Day You always answered within three rings And, I fabricated an excuse; I'm phoning because I want a balance, a transfer, but really? I just wanted to say - HI! You are working today! And, I'm sorry, and Merry Christmas, faceless First Direct call handler. For the first few years, I felt smug, as if I had done something worthwhile. But, my partner remarked - What if they are having fun, in the office, with champagne and crackers, and silly hats, and then all of a sudden, a solitary caller comes on the line, and wants them to work? What if you make them sigh, and adjust their paper crown, to log on to your account? Stop doing this. Stop. And so, now when I call, I go through the usual details, and you catch me when I'm overdrawn, and catch others when they use my funds, and we are still getting along very well, and yes, you are my preferred firm, and I do like conversing with Gill from Glasgow, but- I will not call you on Christmas day, this year. It's not that I don't value you, or feel that you are not worthy of my festive wishes, but just on the off-chance my call lights up, and you are part-way between charades and champagne, and curse, I will not be that person, again. Reviewed on: 15th February 2016

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