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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.

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first direct Current account reviews (1494)

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

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