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first direct: Current account reviews

Name: Current account
Rating: 4.68 (1496 reviews)

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4.68

Based on 1,496 reviews, last reviewed 2nd Sep 2026

86% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

People on the phone It's rare to be able to access a human without layers of ai bots these days, FD have people who pick up calls! Reviewed on: 2nd September 2026

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

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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 (1496)

The online bank you need

Great online bank, never had a problem with them. Reviewed on: 28th November 2024

Great bank - wonderful staff

Great bank - always get to speak to a person in this country - not a call centre abroad and they are so friendly and helpful. Great to have a regular saver if you have a 1st account too. Just all round easy bank to deal with Reviewed on: 22nd November 2024

Excellent 24 hour service with humans

Excellent 24 hour service with real people always. Great site and app with few problems ever. Sadly, no extras such as cashback or interest. There is a free £250 overdraft though. Reviewed on: 20th November 2024

fd - a needle in the proverbial financial haystack

In the almost two decades I have used fd, nothing has gone wrong, no apology has been needed and things continue to work as clockwork, which in this day and age is a miracle. Reviewed on: 15th October 2024

very good banking system.

very good banking system. Never had any problems in many years. Reviewed on: 15th October 2024

Brilliant

For years have supported my ups and downs, a great backup to my finacial life Reviewed on: 24th September 2024

Unethical bank, if you can get past the login screen

Been with them on two different occasions and both times same experience. They have the most complicated way to log into their accounts vs any other bank. The names they give the codes, OTP, pins etc, vary throughout the process. So just logging in is a case of juggling 7+ different codes and passwords. Apart from their parent bank, no other bank seems to make it so hard to login. I had to repeatedly call them to unlock my accounts. Other than that, the bank account is average; nothing special. The savings rates that are then accessible with them are usually good, but like their parent HSBC; the money isn't invested ethically. Reviewed on: 7th September 2024

easy to use app and easy to get in touch with custom...

easy to use app and easy to get in touch with customer services Reviewed on: 4th September 2024

Satisfied

I've been with them for a few years now and I'm very satisfied Reviewed on: 3rd September 2024

Great customer service.

Easy to navigate website, secure but easy to access. Whenever I need to talk to a REAL person/customer adviser they are ALWAYS friendly,efficient and professional. Reviewed on: 31st August 2024

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