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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1358 reviews)

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4.68

Based on 1,358 reviews, last reviewed 29th Oct 2025

100% decrease 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

Very generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025

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 (1358)

Review of the first direct, Current Account:

Good product and service

The product has always been good and customer service is best in class Reviewed on: 10th March 2023

Interest free overdraft and rapid response times

In my experience, I have found that First Direct have the fastest customer service live chat response times, being almost instantaneous. Having banked with almost 9 service providers, this is the fastest I have come across. Not to mention, they have a £250 interest free overdraft and no fee spending abroad. The highest interest free buffer of any bank in the uk. Reviewed on: 12th April 2024

A solid bank

I have banked with First Direct for years and they have always been really very good. Good customer services, with a decent app. I do feel they have left their leading edge a little, and I did have a bad experience with them when trying to get a loan from them - they tried to charge me 2% over the advertised rate despite having an excellent credit rating. (I used Tesco Bank in the end for an even cheaper rate than FD offered. Reviewed on: 12th April 2024

Great bank, short wait for customer service.

Great bank, short wait for customer service. Reviewed on: 12th April 2024

I have been with First Direct since 2005.

I have been with First Direct since 2005. Took my mortgage with them in 2010. Excellent UK call centre and superb app. They are there when you need with minimal waiting time. Superb service not like other UK banks. Reviewed on: 12th April 2024

Brilliant UK call centres, answer quickly and effect...

Brilliant UK call centres, answer quickly and effectively Reviewed on: 12th April 2024

Best bank ever!

Brilliant, cannot fault the service in anyway, great bank with the best customer service Reviewed on: 12th April 2024

Best customer service ever

Came for switching reward, stayed for the customer service. Really helpful on the phone, giving me lots of advice about choosing the right financial products. Always been easy to get through, with only short phone queues. Reviewed on: 12th April 2024

Still the best

Hard to know what else they can do, always helpful and friendly Reviewed on: 12th April 2024

Amazing service, I have had no issues and my favouri...

Amazing service, I have had no issues and my favourite part is that they are available on chat on the app to help with any queries I might have Reviewed on: 12th April 2024

First Direct First In Class

I’ve been with first direct for nearly 20 years now and wouldn’t change. I do most of my major domestic banking and bills via first direct and it’s easy to manage. The app is easy to use and their customer service team are first class, This makes all the difference, speaking to a UK based team when you need to. Reviewed on: 2nd April 2024

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