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first direct: Current account reviews

Name: Current account
Rating: 4.73 (1489 reviews)

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4.73

Based on 1,489 reviews, last reviewed 8th May 2026

20% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 2026

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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 (1489)

Review of the first direct, Current account:

Simple but effective

Although they lack high street locations they have the best customer service available and you can use the post office to pay in cheques etc Reviewed on: 22nd November 2019

Always responsive.

The phone is always answered promptly; how many companies can you say that about! You never hear the dreaded phrase 'we are experiencing high call volumes'. Reviewed on: 16th April 2026

Customer for more than 20 years and would never switch

I've been a customer of First Direct for over 20 years and have never switched to another bank (for an incentive) because the service is so good. It's easy to bank online, by phone or on the app. I also have power of attorney on a family members account and setting that up and managing their money could no be easier. I would very happily recommend First Direct to anyone. Reviewed on: 16th April 2026

Great app and easy to access information I need

Great app and easy to access information I need Reviewed on: 14th April 2026

I like the feeling free overdraft

I like the feeling free overdraft Reviewed on: 11th April 2026

Happy long-term customer

I’ve been a mortgage customer for over a decade. Can’t fault them. App and phone service always excellent Reviewed on: 31st March 2026

Customer service is excellent

Customer service is top notch and I value being able to speak with a real person quickly and easily over a chatbot. Never had any difficulties with them. I used to switch my current account yearly to take advantage of joining offers but since joining first direct I haven’t switched as they are so much better with communication than any other bank I’ve tried. Reviewed on: 29th March 2026

Always there when you need them

Access via website or mobile app access is available any time of day or night. Always helpful and there when you need them for service! Reviewed on: 27th March 2026

First Direct are First Class

I have banked with First Direct for 30 years and have never had an issue. Their customer services team/advisers are excellent and always helpful and knowledgeable. Their banking app is easy to use and intuitive and 99% of the time you can find the answers to any queries. If not you can always get through to someone on the phone.I would 100% recommend First Direct to anyone. Reviewed on: 26th March 2026

Excellent customer service staff who value customers

I have experienced financial difficulties over the past year and First Direct have been very helpful and accommodating with my situation. I will remain loyal to them due to their excellent customer service who are always on hand to help, thank you and well done Reviewed on: 26th March 2026

Efficient banking with great customer service!

Moved from Lloyds a while ago, and the upgrade in customer support was immediately felt. Transfer was slick, the welcome comprehensive and the subsequent service excellent. Transferring money is subject to a well balanced check, including checking the targets account matching. Only had to phone their support service twice and both queries dealt with in a friendly and satisfactory way. A modern slick bank account that watches out for you. Highly recommended. Reviewed on: 26th March 2026

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