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first direct: Current account reviews

View other first direct products
4.70
Based on 1,493 reviews, last reviewed 10th Aug 2026
92% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

Latest highest rating:

5

fd - hassles free internet banking No hassle, to steal a line from another no nonsense product, it does exactly what it says on the tin Reviewed on: 14th July 2026
Neil Gent's avatar
Neil Gent

Latest lowest rating:

1

Stranded Abroad With 2 Young Kids. I switched from NatWest to First Direct. I regret it. I moved an account from NatWest to First Direct partly because of its reputation for customer s... Read more Reviewed on: 10th August 2026
Azhar H's avatar
Azhar H
Read all reviews Write a review

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 (1493)

Great current account

5
Great current account, whenever I've had issues have had them resolved. App easy to use Reviewed on: 26th February 2025
cheekymonkey's avatar
cheekymonkey

Great customer service, easy to use app, and HSBC st...

5
Great customer service, easy to use app, and HSBC still have a branch in my town. Reviewed on: 26th February 2025
Firefly's avatar
Firefly

Great Current Account, great service and no issues.

5
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
JRDM53's avatar
JRDM53

Great current account

5
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
P D's avatar
P D

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

4
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
Lesley Smith's avatar
Lesley Smith

Great Current Account.

5
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
Mike Robertson's avatar
Mike Robertson

Overall a good bank and worth switching to.

5
Overall a good bank and worth switching to. £250 0verdraft free. Easy to operate. Reviewed on: 26th February 2025
Maverick's avatar
Maverick

Convenient & online

5
Always reliable customer service. Reviewed on: 26th February 2025
sharmck's avatar
sharmck

Over 30 years and still happy

5
I’ve been with first direct for over 30 years and never switched because of the excellent service provided. Reviewed on: 26th February 2025
Helen's avatar
Helen

Excellent service since those early days !

5
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
Mike's avatar
Mike

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