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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:

FirstDirect still doing the business in a personal way

First direct keep me informed without bombarding me relentlessly with emails and texts. They inform of product offerings, statements and interest rate changes in periodic and timely fashion. On the few occasions I need to call them on the phone their staff truly demonstrate why they have won so many customer service awards since 1989 Reviewed on: 26th February 2025

Great app banking and customer support

Great app banking and customer support Reviewed on: 15th April 2024

First customer service

Easy to use app and great customer service Reviewed on: 15th April 2024

So disappointed

I used to think First Direct had good customer service until I really needed it. I had been with them for about 20years. I fell victim to emotional fraud. It was such a horrible and persistent scam. They had no calls saved that’s how I made payments. They said because the payments were small there was nothing they could do. If the crook had been less clever or I had been richer they would have helped!!! I was never expecting full return just a nod to the fact that they were involved. They gave nothing. What made me mad is when I switched as a result they started asking me security questions. They were also sending me spin the wheel prize offers. They have the money to give people gambling prizes but not to compensate where they couldn’t help keep a customers money safe from fraud. Reviewed on: 13th April 2024

There is aways someone at the end of the telephone.

There is aways someone at the end of the telephone. Excellent customer service Reviewed on: 12th April 2024

Great customer service.

Great customer service. Great app. Always friendly. Reviewed on: 12th April 2024

Always easy to deal with, great app and customer ser...

Always easy to deal with, great app and customer services. Always get through to them quickly when I have to call them. Overdraft is very cheap if I ever need it. Reviewed on: 12th April 2024

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

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