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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

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

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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)

excellent bank

Generally excellent service, which is something rarely said about a bank. Can't fault them! Reviewed on: 9th January 2016

Superior banking experience

Reliable and easy to use online services Reviewed on: 5th January 2016

Excellent experience since switching- do it you won't be disappointed!!

I switched to first direct after 20 odd years with another bank and several poor experiences. Initially I was drawn in by the cash offered to switch but was pleasantly surprised by the quality of service. Switching was unbelievably simple and went smoothly thanks to the customer service at first direct. Both telephone and Internet banking are made easy and convenient. I've since set up savings with first direct. If you're feeling unappreciated and undervalued by your current bank or you're fed up with poor service then vote with your feet and switch! You won't look back I promise! Reviewed on: 5th January 2016

Excellent service

Calls answered quickly by friendly staff. Reviewed on: 31st December 2015

First Direct is first class in all respects.

Since joining First Direct in September 2014, the service that I have received has been excellent. They are very easy to contact and are always very helpful. I regularly recommend them to friends and family. Reviewed on: 29th December 2015

Best Bank There is

Switched to FD a year ago and have no regrets. £125 for switching and a £250 interest free overdraft. Was that impressed I switched my joint account to FD also. Reviewed on: 28th December 2015

Excellent customer service

I switched to First Direct from Natwest a few months ago. The customer service is second to none and the staff are really friendly and efficient. Reviewed on: 24th December 2015

Best current account...

First Direct are the best experience I've had in terms of handling my account and day to day experience. Customer service and use of apps / site really positive. Reviewed on: 24th December 2015

Excellent

It's weird as I wouldn't think having telephone contact only would make the service good, but it's been absolutely amazing. Every single problem I have they are there to sort it day in and day out. Reviewed on: 24th December 2015

Best bank by miles

I have banked with First Direct for nearly 20 years and have always experienced excellent customer service. I especially like being able to talk to a real person, 24/7, 365 days a year. I would recommend them to anyone and wouldn't change banks for any amount of money Reviewed on: 24th December 2015

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