Write a review

first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

View other first direct products

4.69

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

92% 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

Read all reviews Write a 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.

Review first direct: Current Account now

Help others make smarter decisions by sharing your own experience.

Write a review

first direct Current Account reviews (1357)

Great overall service

Easy to contact and quick to respond to any queries. Would definitely recommend! Reviewed on: 11th February 2016

First Direct - Perfect bank for everyday

First Direct although an on-line bank is easy to use. The security is good and they respond quickly to any queries. Reviewed on: 8th February 2016

Through thick and thin

I had never planned to stay with First Direct for long. I switched to them because of their offer, got some cash and thought I'd leave half a year later and get some more cash for that. But to be honest, after nine months with this bank I can't imagine being with any other. The customer service is excellent, there are no long queues on the phone, no call centres abroad (judging from the thick Scottish accent I was greeted by during my last call) and instead a whole lot of service and friendliness. Yesterday, someone used my card to purchase drone supplies in the US. No idea how they got my card details. First direct noticed, contacted me immediately, and got my money back. They made a horrible situation a lot more bearable - thank you. Reviewed on: 7th February 2016

First Class for First Direct

First Direct are an excellent company for banking. I have free overdraft up to £250. Whenever I have phoned, the service I reason is first class and the staff are so friendly and ensure that you are happy before the call is finished. I would definitely recommend them to bank with Reviewed on: 5th February 2016

Love

I love my bank First Direct, they are always pleasant and nothing is too much trouble. Reviewed on: 30th January 2016

First Direct equals First Class

First Direct provide just the right amount of information about your account and your money. They may email you with targeted information about important issues, but don't hassle you with pointless emails constantly trying to upsell. Happy Customer am I. Reviewed on: 27th January 2016

Love First Direct

I can't recommend First Direct highly enough. The online banking is very easy to use and easy to negotiate your way around. The staff at the call centres are excellent, always friendly, always helpful and nothing is ever too much trouble. Reviewed on: 22nd January 2016

Good customer service

I have always had good customer service when I have had to ring up Reviewed on: 21st January 2016

Great customer service and really secure

I've only ever received good customer service and they're new pay-in methods make depositing cash quick and easy. Reviewed on: 15th January 2016

A proper helping hand

I don't often ring the bank - I reckon if I keep my head down they'll not notice my occasional financial indescretions - but when I do ring, I always get a courteous response. They've helped me out of many a hole and I've never had any cause to complain about the people, the website or the service in general. Well done, First Direct. Reviewed on: 13th January 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

Current accounts
from Zempler Bank (formerly Cashplus) 4.85 from 7185 reviews
Current account
from Handelsbanken 5.00 from 3 reviews
Platinum Current Account
from TSB 3.60 from 19 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Tracker Rate Mortgage
from first direct 4.92 from 8 reviews
Fixed Rate Savings
from first direct 4.83 from 15 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