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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

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4.69

Based on 1,357 reviews, last reviewed 15th Sep 2025

88% decrease 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

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

Rejected for being unemployed Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 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.

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first direct Current Account reviews (1357)

Excellent customer service

I have been with First Direct for over thirty years. Their customer service is second to none and you can speak to a UK based person every time you call who always resolves your query. Never had any problems with them during this time. Their products are competitive, particularly the regular savings account. Reviewed on: 27th September 2023

Great Bank,.First Class Service

Have been with First Direct for over 15 years, always helpful, friendly & knowledgeable. Hassle free banking Reviewed on: 5th September 2023

Utterley Useless

I set up an account recently and then attempted to switch from my old co op account. Impossible! First of all when I tried to convert my account from sole to joint I was told 'no problem we can do it over the phone' and then when attempting this I was told we have to set up a whole new account jointly. Life's too short. A week later I tried again via the app which said to call if I want to switch from my joint account with co op to sole acc with FD. NOOO can't do that either. So realising they are as useless as my previous bank I told them to close account as I now have no intention of using them. Of course they said they couldn't do that either. You really couldn't make it up! So don't be fooled by these 'best bank' reviews. They really are completely useless. I'll stick with Co op. That's how bad First Direct are. Goodbye. Reviewed on: 30th August 2023

Still the best

Still the best bank out there for customer service, especially answering the phone compared with other banks. Will never leave them. Reviewed on: 14th August 2023

Good service

I have had an account with first direct for over 20 years with no complaints over their service. Reviewed on: 13th August 2023

Couldn't sign up

I went through all the sign process the told to sign in, tried and tried but it said wrong credentials? Eventually it told me I have to call. If its this much faffing to just register I hate to think what it's like if there's an real issue. Based on this experience, I'll pass on First direct and stay put. Reviewed on: 6th August 2023

Brilliant bank

Everything you need in a bank, and so good customer service. Reviewed on: 4th August 2023

Great Service

After recently switching to the First Direct First Account, I have experienced great service. If I had a query, I have phoned up and they have been very polite and willing to help in any way possible. Also, they provide a generous switching benefit of £175. Reviewed on: 30th July 2023

Switching was really easy

I switched to First Direct a few months ago and the hole process was really smooth and easy. First Direct have been great so far. The other products I've been offered now I'm a customer, such as saving and interest free credit card, have been great also. Reviewed on: 14th July 2023

Great bank

Great customer service, reliable app Reviewed on: 3rd July 2023

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