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first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1489 reviews)

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4.73

Based on 1,489 reviews, last reviewed 8th May 2026

20% increase 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

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 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 (1489)

customer service

I love the customer service for this bank - you always get through to a person frist time and with less than 2 rings. Always pleasent and helpful. Reviewed on: 14th November 2016

Top bank

Really good bank - so easy to make payments/ service your account using the mobile phone app & website. Charge free, too! Reviewed on: 14th November 2016

Excellent customer service, great online banking

Customer service is first class, you get straight through to an individual in the UK and getting through their security question is quick and easy, Reviewed on: 14th November 2016

Professional Time Wasters

In applying for a current account First direct led me on to believe that everything was set up and even sent me a welcome pack. One month later I called them to find out why the switch from my other account had not yet occurred. For some mysterious reason they had cancelled my application without notifying me. I tried my utmost to follow their instructions to "complete" the application process but after attempting to chase them up having sat through many long phone calls (left on hold) I ended up giving up. I have four other bank accounts and setting up all the others was pain free having completed each application within a matter of minutes. First Direct are a waste of time so my sincere advice is not to be fooled by their £100 incentive to switch to them. Reviewed on: 26th October 2016

Slick

Straight through to uk agent. No problems! Reviewed on: 27th September 2016

Really great bank!

I've had my account around two years now, and from signing up, everything was simple and easy. I had issues last year when the fraud department refused to pay me out after I had nearly £1500 stolen from my account, but after a complaint was put through, it was sorted out for me. I've opened backup accounts since then just in case I'm left short for money again, and I'm so unhappy with them, I've been moving all over the place. It makes me realise how good First Direct's interest rates are on accounts. They also just gave me a £1000 overdraft without a fuss and when I used it, I only paid 28p interest whereas other banks want to charge over £10 a month.. Great job First Direct! Definitely recommended! Reviewed on: 17th September 2016

Didn't get as far as opening the account

For a bank that's supposed to be all about 'being modern' and prides itself on great customer service, I had a pretty useless time with First Direct. I tried to switch my current account over to the first account, but had to chase them up on it twice, and then they wanted me to verify my identity with a call to my place of work, and required a passport photo or similar signed by a doctor. I thought this was supposed to be the 21st century... If I can open an account with Atom etc. via an app, I'll be doing that instead. Thanks for nothing, FD! Reviewed on: 12th July 2016

Best service ever

Never had a problem in 3 years and the service is excellent Reviewed on: 30th June 2016

Superb customer service

Prompt replies to enquiries, very easy to use online user experience. Reviewed on: 29th June 2016

Mrs

Always consistently brilliant. 20+ years as a customer and wouldn't dream of leaving. Reviewed on: 28th June 2016

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