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first direct: Current Account reviews

Name: Current Account
Rating: 4.69 (1246 reviews)

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4.64

Based on 1,246 reviews, last reviewed 24th Jan 2025

36% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

84%

10%

Latest highest rating:

5

Always great service Always great service. They answer calls quickly, you’re never on hold long, always friendly and are able to deal with my queries efficiently. Reviewed on: 24th January 2025

Latest lowest rating:

1

ATM swallowed my £100 and First Direct refuses to re... ATM swallowed my £100 and First Direct refuses to refund me despite having no video footage at the said 3 ATM machines at Asda superstore. Reviewed on: 24th December 2024

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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.

first direct Current Account reviews (1246)

Review of the first direct, Current Account:

Good reliable sevice

I have banked with first direct for at lest 20 years with no problems Reviewed on: 7th November 2017

Good service bad Ap'

Always had generally good service. But Ap' not compatible with online banking. Reviewed on: 1st June 2023

Interest rates

Been with this bank for over 30 years but their interest rate is very low. High street banks in general have very low interest rates far lower than what they actually are. I will be switching to an online account as their rates are very good indeed. Reviewed on: 1st June 2023

Great service, no hassle

Does what it says on the tin. Great account, never any hassle. Reviewed on: 1st June 2023

Very satisfied

I've been using first direct for a few years now and I'm totally satisfied with their service. Reviewed on: 1st June 2023

Market leader.

Exceptional bank..Outstanding service provided over three decades for me personally. Reviewed on: 1st June 2023

Consistently first rate

Been a customer for 25 years. Despite incentives to switch, I've never felt the need. Consistently first rate telephone and internet banking. It's how banking should be. Only gripe is that they could reward loyalty rather than bribing new customers to join with their cash incentive (ie pay better interest on savings. The regular saver is just a headline grabber!). Just don't keep large balances with them and enjoy the service. Reviewed on: 31st May 2023

Excellent customer service

First direct have excellent customer service and their app is very easy to use. Reviewed on: 31st May 2023

Excellent service

First Direct is the best account that I have had. It helps me keep on top of my finances. Reviewed on: 31st May 2023

Great bank

Great bank, brilliant customer service and quick to answer the phone Reviewed on: 31st May 2023

Cannot transfer money after 6pm

Can’t transfer money after 6pm - something I have never experienced with other banks. Too many security questions to setup app- also 2 passwords for the account which is tedious. The first direct is so far behind the competition in terms of features, including the new challenger banks, that is is almost embarrassing. It’s so barebones you would think you have a limit on your account. Customer service is good, but I’ve contacted them 4 times since I had the account for 2 weeks - which is more than I contacted my previous bank in 2 years. The fact that you need to contact support to change a standing order for the linked savings account monthly payment is also ridiculous. I lasted 3 working days post switch completion and realising the 6pm limit after contacting support before switching back to my previous bank. Really not worth the limitations, which is a shame as they some how rank high in terms of customer satisfaction and app ratings - the LBG companies apps are scores better than FirstDirect. Would absolutely not recommend other than for switching incentives - but even then I would avoid. Reviewed on: 31st May 2023

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