Write a review

Go to business site

first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

View other first direct products

4.71

Based on 1,425 reviews, last reviewed 24th Feb 2026

6100% increase 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

Always there when I need them Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notification... Read more Reviewed on: 24th February 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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 (1425)

Review of the first direct, Current Account:

all good no problems so far.

all good no problems so far. i think they are simple to get in touch with and their customer service is good. Reviewed on: 26th February 2025

Great service & easy to deal with

First Direct are what other banks should aspire to be. Helpful friendly staff. Reviewed on: 1st January 2017

Brilliant and efficient bank

My husband and I have been with First Direct for around 20 years. They have never let us down or messed anything up. They have been quietly efficient. Having recently had dealings with other banks with work, I am heartily glad that we are with them rather than any other financial institution. Reviewed on: 29th December 2016

Good current account, great service

Good online security, 24 hour service and use of HSBC banks Reviewed on: 28th December 2016

Great Service

Always great and friendly customer service, on hand 24/7; even for non-banking enquiries, like when my car broke down (I have breakdown cover included on my account), got through within seconds and they couldn't have been more helpful. Overall, I've had a great experience with them so far. Reviewed on: 27th December 2016

Banking made easy

The customer service is fantastic, makes everything extremely easy to use in the app. I am not sure the account is value for money with the monthly fee however the customer service is so good. The app makes everyday banking very easy! Reviewed on: 27th December 2016

Great customer service, poor reward.

I feel disappointed that after 20 years of banking with First Direct, and enjoying their first class customer service, I have to shop around to find a current account that gives me benefits. I think their on line experience is very good - they were the first and they do it really well, but looking at other interfaces coming into the market, they'll need to find a new differentiator. The interest rates on my current account is 0 so I'll be taking my cash elsewhere. Reviewed on: 27th December 2016

Good account, great service

Opened a First Account so as to get an offset mortgage with First Direct. I liked the terms and the service on offer Reviewed on: 24th December 2016

customer services

Always helpful and friendly staff on the phone and easy online banking Reviewed on: 20th December 2016

World class banking

I moved to First Direct nearly 30 years ago after being ripped off first by Barclays as a student, then Lloyds after pulling in my first proper wage. Both of these high street dinosaurs pulled me under each month by adding overdraft fees that increased a debt that couldn't be reduced, even though they were well aware of my fixed income. First Direct have always helped me when I've been at my lowest, so I continue with them now my finances are more stable. The products are good, although I hardly need the free overdraft facility, the internet banking is intuitive, easy and secure, assistance when required on the phone is in a language understood in England, but most of all everyone I've ever dealt with in the company is a perfect ambassador for how someone I trust with my money should be. Top, world class bank! Reviewed on: 20th December 2016

great service and accessible

switching process was very smooth, staff are very friendly overall very efficient Reviewed on: 18th December 2016

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

Black Current Account
from RBS 3.12 from 19 reviews
Personal Current Account
from Bank of Ireland 4.15 from 13 reviews
Smart current account (discontinued)
from Fidor Bank (inactive company) 1.92 from 13 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Tracker Rate Mortgage
from first direct 4.91 from 8 reviews
Fixed Rate Savings
from first direct 4.89 from 18 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