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first direct: Current Account reviews

4.69
Based on 1,357 reviews, last reviewed 15th Sep 2025
94% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

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
Rachel O'Neill's avatar
Rachel O'Neill

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
James's avatar
James

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)

Best bank out there

5
Great customer service team, no lengthy queues on the phone, issues always sorted quickly. Reviewed on: 7th April 2023

Valued Customer

5
Always feel like a valued customer and the service I receive whenever I call is fantastic and friendly. Reviewed on: 6th April 2023

Very good service

5
I have banked with first direct for over 25 years they have been very professional Reviewed on: 5th April 2023

Brilliant!

5
New current account customer at First Direct and am very impressed so far with easy to understand emails, letters and app. Reviewed on: 5th April 2023

Great bank

5
Brilliant app, great bank. Really good customer service Reviewed on: 5th April 2023

Great online banking experience

5
This has been a revelation and I’m really glad I took a chance on online banking. It’s really easy to use and I can do everything through an app on my phone. Reviewed on: 5th April 2023

Very easy to use

5
First direct is a true online and phone bank, something which makes banking with them so easy. I could even pay a very large amount into another account over the phone! Debit card security has also impressed me: I've been using first direct for more than 10 years and it never got hacked whereas my card with another bank, which I rarely use, has been hacked twice. Reviewed on: 4th April 2023

Excellent app the £250 free overdraft is cool

5
Great easy to use app makes managing finances easy quick text messages if near limit etc Reviewed on: 4th April 2023

Easy set up, appears safe

5
Account is easy to set up. They claim there's a human assistance over the phone 24/7 if necessary, which I haven't tested. I get on with the app well enough too. Reviewed on: 4th April 2023

Hard to fault

5
Good online access, phone service always good too. Have been with them for years (joint account) and never had problems. Reviewed on: 4th April 2023

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