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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.

first direct Current Account reviews (1357)

Review of the first direct, Current Account:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

Since 1993 and still the number 1

It’s been 30 years since I joined the First Direct revolution in banking and it’s exactly that. The unrivalled level of service has continually outstripped any other banks I have used and there’s been a few. Always they’re always helpful alway ready to go that one step further. Truly 24/7 banking since 93 - they are so good I would have bought the company if I had the money!! Reviewed on: 10th March 2023

Good but service has deteriorated in recent years

Have held a first direct account for over 27 years. Still good but service not as good in former years. Time to answer phone much longer. Poor interest rates except on regular savers account. Reviewed on: 10th March 2023

Best online bank for me

I have been banking with first direct for a very long time now, and I see no need to change that. I really like their clear and straightforward communication. The online interface is very user-friendly, and I can quickly apply for other financial products. My statements are easily accessible, and I can download them onto my computer, thus saving paper and the environment. Whenever I have had interaction with first direct staff, they have been very helpful. And I like that I can contact them out of regular working hours. Reviewed on: 10th March 2023

They deliver on their promises

It seems too good to be true to be able to get through to who you need to speak to quickly on the phone but with first direct it is possible. Very different from other banking experiences. Reviewed on: 10th March 2023

Great cashback deal, great customer service

I've held my first direct account for 6 months now, and am really pleased with the ease of use and the good service. A phonecall with them rarely lasts more than 5 minutes because they are so quick to handle problems. Reviewed on: 10th March 2023

Brilliant

Never had any problems with First Direct, their app is easy to use, and having a 1st account current account with them allows you access to their big range of products offered so there’s something to fit all your needs, with great interest rates and a easy to use features in the app. Reviewed on: 10th March 2023

Great service

Both on the app, and especially on the phone, you can do what you want quickly, easily, and with no stress or hassle. I'm really glad my account is with them. Reviewed on: 10th March 2023

40 Years Problem Free Banking

Great service for 40 years and extremely helpful when I was about to be scammed. I mostly use online banking now but if a phone call is needed First Direct are always polite, friendly and helpful. Reviewed on: 10th March 2023

Simply the best

Have backed with first direct since 1999. Their 1st Account is brilliant as is their app. The fee free overdraft facility is extremely helpful as our Their staff. Excellent all round. Reviewed on: 10th March 2023

Good product and service

The product has always been good and customer service is best in class Reviewed on: 10th March 2023

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