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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.

first direct Current Account reviews (1425)

Review of the first direct, Current Account:

all good no problems so far.

all good no problems so far. i think they are simple to get in touch with and their customer service is good. Reviewed on: 26th February 2025

Great Current Account, great service and no issues.

In well over 10 years with first direct I have never had any issues with their 1st Account (a current account). It comes with free borrowing up to £250 - very useful - as well as the option of a Regular Saver Account into which you can save between £25 and £300 per month for a year and it pays an unbeatable 7% Interest. Reviewed on: 26th February 2025

Great current account

Since switching to First Direct I have contacted them a few times and each one was quickly answered by UK staff quickly and efficiently. The online banking is easy to use and the free overdraft is a bonus. My previous banking experience was no where as good. Reviewed on: 26th February 2025

I have been a customer for many years and found Firs...

I have been a customer for many years and found First Direct to be helpful and fits my needs. However, their ISAs and savings are not competitive. I’m annoyed that there are no incentives to keep me as a customer, only for people who switch their current account. Reviewed on: 26th February 2025

Great Current Account.

Used First Direct for years, firstly by telephone then web and now app. Service has always been great and very easy to use whatever method you use. Reviewed on: 26th February 2025

Overall a good bank and worth switching to.

Overall a good bank and worth switching to. £250 0verdraft free. Easy to operate. Reviewed on: 26th February 2025

Convenient & online

Always reliable customer service. Reviewed on: 26th February 2025

Over 30 years and still happy

I’ve been with first direct for over 30 years and never switched because of the excellent service provided. Reviewed on: 26th February 2025

Excellent service since those early days !

Having traded since their original opening as an established bank, as a subsidiary of HSBC, the remote telephone only and subsequent on line banking as been exemplary. Delighted with their personal service and handling of our accounts . Reviewed on: 26th February 2025

Never pushy and never force me to "go online" like s...

Never pushy and never force me to "go online" like so many businesses these days. Friendly call centre staff Reviewed on: 26th February 2025

Never had an issue, UK based support, plenty of peop...

Never had an issue, UK based support, plenty of people in hand Reviewed on: 26th February 2025

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