Write a review

Newsletter

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

View other first direct products

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

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 (1494)

Easy to use

It's easy to manage your banking with First Direct. Daily text messages keep you informed of the state of your account, internet access makes it easy to manage your money, transfers etc and they're usually very friendly on the phone Reviewed on: 12th February 2017

Effortless reliability

I have been banking with First Direct for at least 20years now and I've never been tempted to take my business elsewhere. If I've ever wanted a loan or an overdraft it's been dealt with over the phone in record time. The customer service team are polite & helpful. The online banking is simple. I can manage most things myself with very little effort. The most wonderful thing is that they don't hassle me by trying to sell me every other service they offer, as a result of which, I always consider them. For me, they set the standard for online banking & they just get better. Reviewed on: 12th February 2017

1st Account is 1st Class

It's not often I have to contact First Direct but when I do, it's always an easy and pleasant experience. Even when I call in the middle of the night (thanks to my working patterns) I've called at 3am before and never had a problem speaking to someone who is awake, alert and helpful! One time, I had an issue with my mobile app and the person I spoke to stayed on the line throughout and made sure I was up and running before letting me go, which was brilliant as I thought I'd be given a code and left to fend for myself. I couldn't recommend First Direct more (I regularly do) and I can honestly say my 1st account with First Direct is First Class. Reviewed on: 12th February 2017

Would recommend

Free overdraft, simple on-line service, voice recognition phone security works smoothly. Reviewed on: 11th February 2017

Great Customer Service

Easy to contact, simple internet banking, very helpful customer service. Reviewed on: 11th February 2017

The best bank ever

Always at the end of the phone - helpful and friendly no matter wot the time. Once in a financial mess they didn't judge me or add on more charges they helped and supported me more then any other bank. They are the best. Reviewed on: 11th February 2017

Easy to manage

Have been a satisfied customer for many years. Excellent online service with good secure log in procedures. Easy set up of payments etc. When needed to phone uk call centre usually answered quickly with helpful operators. Reviewed on: 10th February 2017

Excellent customer services

Both online and over the telephone, First Direct are consistently excellent. They have been most helpful and understand when my account details were stolen. Reviewed on: 10th February 2017

Excellent account and fantastic customer service.

Cannot fault the customer service at first direct. The calls are answered immediately and queries are dealt with promptly. Reviewed on: 9th February 2017

Friendly and efficient customer service coupled with simple banking

I changed to First Direct in 2012, and have been continually impressed since I did. Always helpful and friendly when you call, I have never been let down. Excellent all round. Reviewed on: 8th February 2017

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

Instant Access Multi Currency Account
from iFAST Global Bank 4.74 from 620 reviews
Graduate Account
from NatWest 4.43 from 63 reviews
Standard Current Account
from Ulster Bank 3.55 from 36 reviews

Want to see more from first direct?

Regular Saver Account
from first direct 4.77 from 149 reviews
Bonus Saving Account
from first direct 4.69 from 58 reviews
Fixed Rate Mortgage
from first direct 4.68 from 45 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