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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.

first direct Current account reviews (1494)

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

A**

Fantastic customer service,always answered quickly, and a British person. Also £100 for switching Reviewed on: 2nd June 2017

Great Bank

Top bank, get through to someone on the phone straight away without all the press this button silliness . Great customer service. Recommended. Reviewed on: 2nd June 2017

Good Company but Poor Interest Rates

good company, so easy to call them with any issues they normally answer straight away. Just low interest rates on regular savers and current accounts Reviewed on: 31st May 2017

Good features and over draft

Good easy to use online features with good levels of security. Interest free overdraft of up to £100. Reviewed on: 31st May 2017

Incredible service

Switched to FD earlier this year and it's the best move I've ever made in terms of looking after my money. Love the service! Reviewed on: 30th May 2017

Not Great for an Online Bank

I recently switched my current account to First Direct and haven't been overly impressed. For an online only bank, I had problems settings up online banking which wasn't a great start. I had to call a couple of times and to be fair they sorted the issues out quickly but it wasn't the best first impression. The app is also a bit clunky and doesn't update as quickly as I would like; I was previously with TSB and their app was far better. Reviewed on: 30th May 2017

Fantastically friendly UK based customer services

First direct can not help you enough when you need to call them directly. It was a pleasure ringing them for some assistance, with no wait times and UK based resource. Reviewed on: 30th May 2017

Outstanding Customer Service

By far the best customer service I have ever come across Reviewed on: 30th May 2017

Excellent customer service

First Direct have consistently provided me with excellent customer service. Friendly, reliable advice every time Reviewed on: 30th May 2017

A shambles

Despite calling the bank to advise that I was transferring savings to my current account to buy a new car,I was not allowed to purchase it because they failed to acknowledge my email. I had to wait over 2hrs to get a response from the bank. Very embarrassing! Reviewed on: 22nd May 2017

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