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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1411 reviews)

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4.71

Based on 1,411 reviews, last reviewed 25th Jan 2026

4800% 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

Easy to use app, 24/7 customer service avail... Easy to use app and excellent customer service available at any time of the day Reviewed on: 25th January 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.

first direct Current Account reviews (1411)

Review of the first direct, Current Account:

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

Very responsive and courteous

Always respond promptly, courteously and patiently to any requests or queries I might have Reviewed on: 26th February 2025

First direct current account

I first switched to first direct just over a year ago and have since found it to be a great platform. The switching bonus was nice but the platform itself provided useful insights and easy and straightforward applications to other first direct products (saver accounts etc) Reviewed on: 21st February 2025

App is a bit dated but great overall

App is a bit dated and they’ve only recently added modern features like push notifications but works well as a bank and customer service is always excellent. Reviewed on: 17th February 2025

Brilliant bank been with them since midland bank end...

Brilliant bank been with them since midland bank ended- fabulous service and great app Reviewed on: 5th February 2025

Great bank for daily use.

Great bank for daily use. Great customer service who still use UK staff. Great to ring for any information or sort out an issue. Good products available. Reviewed on: 31st January 2025

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

Excellent customer service.

Excellent customer service. I have had my main current account with FD for many years and although other banks may offer different/better rewards from time to time, I wouldn’t dream of switching this account. I have rung them at all hours of the day and night over the years and they answer quickly, are always friendly, understand my question straight away and provide a swift answer or fix. Reviewed on: 22nd January 2025

Always excellent customer service

Had our current account with first direct for 18 years and always had positive customer service and swift professional friendly service which was a breath of fresh air compared to the high street banks we had had accounts with in the past Reviewed on: 17th January 2025

Loyal and happy customer

I have banked with First Direct for many years and have absolutely no complaints and can only compliment them on their amazing service. The best advisers and always so helpful if I ring with queries. First Direct offers everything I need from a bank. Reviewed on: 15th January 2025

Very happy and wouldn’t switch

I have a joint current account with First Direct and have been very happy with it. We initially got a switching offer to open the account but I wouldn’t want to switch away from them now, as the service is so good. The useability of the banking app is very good and it is easy to make transfers by BACs or to scan in any cheques that we receive. One function I like about the app is that you can get it to show only transactions going in or out, which makes it easier to find a specific transaction quickly. We have only had to contact First Direct about questions or issues a couple of times and on both occasions they got back to us quickly using the chat function. My only ask would be that we could earn decent interest on the balance in the account. Reviewed on: 6th December 2024

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