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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

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4.71

Based on 1,425 reviews, last reviewed 24th Feb 2026

6100% increase 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

Always there when I need them Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notification... Read more Reviewed on: 24th February 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 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 (1425)

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

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

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