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first direct: Current Account reviews

Name: Current Account
Rating: 4.69 (1250 reviews)

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4.64

Based on 1,250 reviews, last reviewed 21st Feb 2025

25% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

84%

10%

Latest highest rating:

5

First direct current account I first switched to first direct just over a year ago and have since found it to be a great platform. The switching bonus was nice but the platform it... Read more Reviewed on: 21st February 2025

Latest lowest rating:

1

ATM swallowed my £100 and First Direct refuses to re... ATM swallowed my £100 and First Direct refuses to refund me despite having no video footage at the said 3 ATM machines at Asda superstore. Reviewed on: 24th December 2024

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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 (1250)

Review of the first direct, Current Account:

Personal service; so rare these days

Unfailingly helpful if I need to phone them, patient when dealing with technical queries, flexible and personal. Reviewed on: 21st January 2022

Easy to use and helpful

I have been banking with First Direct for a number of years, over 20, and always found them helpful in opening other accounts such as savings. If overdrafts are required they are also amenable. Reviewed on: 11th March 2023

Great service

Great service via call centre. No fees. Reviewed on: 10th March 2023

Great incentive bonus when switching

Switched from Santander due to the £175 incentive bonus, which arrived really quickly within 2 weeks of the account opening. Everything transferred smoothly and the app is a lot better. Highly recommend. Reviewed on: 10th March 2023

Great customer service, and app

It just works. Top marks for customer service; ease of use and the app. Reviewed on: 10th March 2023

Since 1993 and still the number 1

It’s been 30 years since I joined the First Direct revolution in banking and it’s exactly that. The unrivalled level of service has continually outstripped any other banks I have used and there’s been a few. Always they’re always helpful alway ready to go that one step further. Truly 24/7 banking since 93 - they are so good I would have bought the company if I had the money!! Reviewed on: 10th March 2023

Good but service has deteriorated in recent years

Have held a first direct account for over 27 years. Still good but service not as good in former years. Time to answer phone much longer. Poor interest rates except on regular savers account. Reviewed on: 10th March 2023

Best online bank for me

I have been banking with first direct for a very long time now, and I see no need to change that. I really like their clear and straightforward communication. The online interface is very user-friendly, and I can quickly apply for other financial products. My statements are easily accessible, and I can download them onto my computer, thus saving paper and the environment. Whenever I have had interaction with first direct staff, they have been very helpful. And I like that I can contact them out of regular working hours. Reviewed on: 10th March 2023

They deliver on their promises

It seems too good to be true to be able to get through to who you need to speak to quickly on the phone but with first direct it is possible. Very different from other banking experiences. Reviewed on: 10th March 2023

Great cashback deal, great customer service

I've held my first direct account for 6 months now, and am really pleased with the ease of use and the good service. A phonecall with them rarely lasts more than 5 minutes because they are so quick to handle problems. Reviewed on: 10th March 2023

Brilliant

Never had any problems with First Direct, their app is easy to use, and having a 1st account current account with them allows you access to their big range of products offered so there’s something to fit all your needs, with great interest rates and a easy to use features in the app. Reviewed on: 10th March 2023

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