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first direct: Current Account reviews

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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%
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2%
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1%
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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
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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 (1357)

Simple and effective

5
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
Greg Larcombe's avatar
Greg Larcombe

Brilliant company

5
Firstdirect have the best savings account with added interest and excellent cashback deals for switching banks. Reviewed on: 3rd April 2023
Yasmin's avatar
Yasmin

Should be easier

4
I have been with FD almost since inception ands whilst not being trouble free most issues have been sorted quickly and amicably. General banking experience has to be five stars but FD is let down by it's Ap' and online banking interface. Ap' is somewhat limited and the online Log-in is so complex rendering it useless to me. But the phone banking is as good as ever. Reviewed on: 3rd April 2023
theshed's avatar
theshed

Excellent service

5
Very polite customer representatives Reviewed on: 31st March 2023
Finlay Martins's avatar
Finlay Martins

Good app and good interest

5
Good app and offer good interest on savers Reviewed on: 30th March 2023
Liam's avatar
Liam

Great customer service

5
Rang various times with various queries - always a really personable approach, no job to big or small. Really helpful, never put on hold for hours on end. Would highly recommend. Reviewed on: 30th March 2023
Amy Bradford's avatar
Amy Bradford

Safe money

5
FD has great site security which, paired with your mobile app makes accessing your funds easy but secure. Reviewed on: 30th March 2023
DB1995's avatar
DB1995

Great service

5
Have never had any issues, every time I phone they could not be more helpful Reviewed on: 30th March 2023
Megan Bannerman's avatar
Megan Bannerman

Good bank

5
Easy to use app and good customer service. Reviewed on: 30th March 2023
Jason Johnson's avatar
Jason Johnson

Great service

5
Consistently great service! The products could be better, but as a regular bank account it does the job. Reviewed on: 30th March 2023
pj18376's avatar
pj18376

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