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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 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

85%

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

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 (1357)

Quick and responsive

Been a customer for years and have never had issues. Fraud alerts and security are great. Reviewed on: 30th March 2023

First Direct

I would highly recommend First Direct 1st Account Reviewed on: 29th March 2023

The Original Branch Free Bank

I moved to First Direct when they first opened as Telephone Banking long before Internet Banking which they embraced wholeheartedly later. I chose them because they did not waste money maintaining and staffing branches - if they looked after their own money I could trust them to look after mine. Experience has proved that they have the best customer service at the end of a phone which is always answered quickly and they offer a high interest regular saver to customers of their 1st account. Reviewed on: 26th March 2023

Always excellent service.

Every interaction with First Direct is positive. Any problems are resolved quickly. Reviewed on: 26th March 2023

Good bank service

Good online bank, excellent customer service Reviewed on: 25th March 2023

Fairly simple banking

I like using my first direct banking, however this isn't my preferred bank to use. They do offer an excellent switching programme currently. Reviewed on: 25th March 2023

Easy banking

Very easy to manage your money, rapid transfers and a clean and quick app makes first direct a pleasure to use and bank with. Reviewed on: 25th March 2023

Brilliant customer service

I’ve got nothing but good things to say about first direct. No regrets about switching! Reviewed on: 24th March 2023

Really good bank - can't believe I had not dealt with them before!

Overall, one of the greatest experiences I've had with a bank - 24/07 support and really helpful staff. Moreover, their saving account offers one of the greatest interest rates! Reviewed on: 23rd March 2023

Great bank, friendly and helpful customer service

I’ve banked with First Direct for a while, and only have positive things to say about them. They’re very helpful, quick to answer the call (no automated options, which is brilliant). On the one occasion where a mistake was made, they rectified it immediately whilst I was on the phone - it gave me great peace of mind and confidence that I’m with the right bank. The bonus savings account is a nice little bonus too! Reviewed on: 21st March 2023

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