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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1355 reviews)

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4.69

Based on 1,355 reviews, last reviewed 21st Jun 2025

46% 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

Great bank! Great customer service, 24 hours a day, any issues are always dealt with promptly. Would be good if the current account paid interest as well. Reviewed on: 21st June 2025

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

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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 (1355)

Great customer service, great App

Pick up the phone and they're always there answering within minutes usually. The app is very intuitive and has many great features Reviewed on: 4th April 2023

Good customer service

My experience after a couple of years is that this is a solid account, backed up by good customer service but an over zealous fraud team. It’s not unusual to get multiple transactions flagged for follow up, sometimes in the same week and have to wait hours for a call.. Slows things up. So, solid but not quick. Reviewed on: 3rd April 2023

Faultless

Very good app, fast and secure transactions, always someone on end of phone if needed, great communication, faultless can't find anything negative to say. Reviewed on: 3rd April 2023

Intelligent humans answer the phone!

First Direct's formula is very simple: intelligent humans answer the phone! It's a mystery why other banks choose not to compete with First Direct's model. These other banks actually think we like to have the phone answered by a computer, and, after an infinity of menus, connect us with a barely-competent person who behaves like a computer. Keep it up FD! Reviewed on: 3rd April 2023

Best Customer Service

I've used first direct for years. They may not necessarily offer the best perks, but my god if there is ever an issue they are the people I want on my side. Whenever you call them they answer quickly, no machine, and are the best most capable and helpful of any organisation I've ever rung. For me they are the ideal current account provider. I may choose other savings or investment accounts to store some money in in order to get better perks. But I want first direct and their can do attitude at thr centre of my banking system when I want to get things done Reviewed on: 3rd April 2023

So nice you do not realize they are a bank

First Direct has always been an incredibly helpful and serviceable bank to do my personal banking with. I have always wanted them to be my business bank as well. Staff are extremely helpful, very well trained and cannot do enough for you as well as being available 24 hours a day, 365 days a year. They answer the phone with a smile, which is rare in the banking world. They are the first bank that I know to have voice recognition, so you don’t need to waste time and energy going through security questions. I have banked with them for the last 30 years and have never been disappointed. Why can’t all banks recognize that we are customers and human beings, and treat us the same as First Direct treat their customers. Reviewed on: 3rd April 2023

Great service

Friendly and helpful team. Thanks! Reviewed on: 3rd April 2023

Does the job. No hassle.

It works. Good app, website and phone service. Does what you want. What more do you want? Reviewed on: 3rd April 2023

Simple and effective

Just a great back with great products and no nonsense. The app is great and I've never had an issue in the eight years I've banked with them. Reviewed on: 3rd April 2023

Brilliant company

Firstdirect have the best savings account with added interest and excellent cashback deals for switching banks. Reviewed on: 3rd April 2023

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