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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

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4.71

Based on 1,425 reviews, last reviewed 24th Feb 2026

6100% increase 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

Always there when I need them Always there when I need them, I recently had my card skimmed while on holiday and had numerous fraudulent transactions made - thankfully notification... Read more Reviewed on: 24th February 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 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.

first direct Current Account reviews (1425)

Review of the first direct, Current Account:

all good no problems so far.

all good no problems so far. i think they are simple to get in touch with and their customer service is good. Reviewed on: 26th February 2025

Great service, no hassle

Does what it says on the tin. Great account, never any hassle. Reviewed on: 1st June 2023

Very satisfied

I've been using first direct for a few years now and I'm totally satisfied with their service. Reviewed on: 1st June 2023

Market leader.

Exceptional bank..Outstanding service provided over three decades for me personally. Reviewed on: 1st June 2023

Consistently first rate

Been a customer for 25 years. Despite incentives to switch, I've never felt the need. Consistently first rate telephone and internet banking. It's how banking should be. Only gripe is that they could reward loyalty rather than bribing new customers to join with their cash incentive (ie pay better interest on savings. The regular saver is just a headline grabber!). Just don't keep large balances with them and enjoy the service. Reviewed on: 31st May 2023

Excellent customer service

First direct have excellent customer service and their app is very easy to use. Reviewed on: 31st May 2023

Excellent service

First Direct is the best account that I have had. It helps me keep on top of my finances. Reviewed on: 31st May 2023

Great bank

Great bank, brilliant customer service and quick to answer the phone Reviewed on: 31st May 2023

Cannot transfer money after 6pm

Can’t transfer money after 6pm - something I have never experienced with other banks. Too many security questions to setup app- also 2 passwords for the account which is tedious. The first direct is so far behind the competition in terms of features, including the new challenger banks, that is is almost embarrassing. It’s so barebones you would think you have a limit on your account. Customer service is good, but I’ve contacted them 4 times since I had the account for 2 weeks - which is more than I contacted my previous bank in 2 years. The fact that you need to contact support to change a standing order for the linked savings account monthly payment is also ridiculous. I lasted 3 working days post switch completion and realising the 6pm limit after contacting support before switching back to my previous bank. Really not worth the limitations, which is a shame as they some how rank high in terms of customer satisfaction and app ratings - the LBG companies apps are scores better than FirstDirect. Would absolutely not recommend other than for switching incentives - but even then I would avoid. Reviewed on: 31st May 2023

A rating of 1 becasue 0 isnt an option.

The systems with online banking are difficult and quite frankly not fit for purpose. The staff on the phoneline are rude and unhelpful. The complaints team are full of platitudes and really could not care about your concerns. I would recommend that anyone looking for a bank avoids first direct. Reviewed on: 28th April 2023

Money Recovery

I'm grateful for recover coin and his team for bringing back my lost money. I invested $65,000 worth of coins with Coin-Flip 6 months ago but they ripped me off the return of investment and the investment capital as well. Recovercoin AT rescueteam DOT com are the best when it comes to bitcoin and money recovery. They were able to recover my stolen coin, and it was helpful. You can easily reach them via Email: ([email protected]) Reviewed on: 18th April 2023

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