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first direct: Current account reviews

Name: Current account
Rating: 4.73 (1489 reviews)

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4.73

Based on 1,489 reviews, last reviewed 8th May 2026

20% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 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.

first direct Current account reviews (1489)

Review of the first direct, Current account:

Simple but effective

Although they lack high street locations they have the best customer service available and you can use the post office to pay in cheques etc Reviewed on: 22nd November 2019

Always responsive, and available

I never have any issues with FD. The app is great and always available. The folks on the phone are very helpful. They are great Reviewed on: 27th August 2024

Great service; customer service is amazing and bank...

Great service; customer service is amazing and bank account safe and easy to use Reviewed on: 26th August 2024

Overall banking experience is very good.

Overall banking experience is very good. Let down by poor online experience. Reviewed on: 24th August 2024

First Direct - The Best Bank

I have been a customer for over twenty years. The customer service is the absolute best; always super friendly and efficient, and the phone is always answered after just a couple of rings. The website is clear and easy to use. Reviewed on: 24th August 2024

Always helpful service, great security

Always helpful service, great security Reviewed on: 23rd August 2024

Great current account with excellent customer service.

Great current account with excellent customer service. Telephone banking is easy to access and the operators are feiendly and helpful. Internet banking is easy to use. Their banking app is intuitive to use and offers all the functionaloty I need for day to day banking. Reviewed on: 23rd August 2024

First Direct - Great all round

Joined many years ago after bad experiences with Nat West. Never looked back. Easy to use online banking, short wait when phoning if I have a query, Good notifications on up and coming debits and time to add funds before being charged on overdraft Reviewed on: 23rd August 2024

one to stick with

Having been with other banks for short periods and First Direct for nearly 40 years, I can honestly say it has been consistently brilliant. Reviewed on: 2nd August 2024

I went to First Direct to switch banks as Santander...

I went to First Direct to switch banks as Santander were giving no interest and a recent failing by them was dealt with very badly and insufficient feedback with a customer advisor was appalling. I must admit FD initially said I hadn’t fulfilled the switch criteria but after being passed to a complaint advisor they said absolutely no problem they were happy to give the switch fee and it was there in my account within an hour. Very happy with the way the advisor dealt with the issue and everything was done with DD’s and standing orders with no issues at all Reviewed on: 1st August 2024

Generally good but.........

Smoothly switched to First Direct over a year ago. Generally very good service. However, there seems to be a a slight slowdown when answering phone calls. Also, their Insights service which analyses spending is seriously short of functionality. My approaches about this have been ignored. Reviewed on: 29th July 2024

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