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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

Better than legacy banks, still behind on challengers

Not had any issues and any time I have had to get in touch has been great customer service. I feel as though their model of having no branches is somewhat behind the challengers which are online only, given that a lot of things they do still require paper and post (even setting up a direct debit to pay theor own credit card) which is just bizarre. Other than that haven't any complaints. Reviewed on: 11th April 2023

Always there

I have been with this bank for many years now and although they have refused me for a loan or credit card,, as a bank account they have been great, they have spotted a few fraudulent items on my account and have helped without question when I queried transactions I didn't recognise, refunding me and sorting out any issues Reviewed on: 11th April 2023

sound bank

been with them for 10 years and always had excellent service Reviewed on: 11th April 2023

Customer focused

I have now been with the bank for many years and always been efficient and friendly. Reviewed on: 11th April 2023

Exceptional long-term telephone banking

Can’t fault the telephone banking service in particular for this account I have held for probably 20 years. The wait times are never lengthy, in fact always prompt. The format for using the facility is simple, effective and swift- I would recommend it to anyone who wishes to engage with a human on the telephone, every time, for their banking Reviewed on: 11th April 2023

Top Service from first direct

Hi. first direct are alwasy easy to contact and their customer service is second to none. They are helpful, friendly and always prepared to go the extra mile to assist. Reviewed on: 9th April 2023

Effective and efficient banking service

I have been an account holder for 23 years and have always found the bank to be accessible, personable, and efficient when handling queries. The 1st account offers an overdraft facility which is easy to set up and useful for back-up. Recomended. Reviewed on: 9th April 2023

Great bank

Excellent customer service and secure online banking Reviewed on: 9th April 2023

Trouble free banking

Been with first direct since telephone banking days. Never had am issue with them just great service. Reviewed on: 8th April 2023

Great customer service

Always fantastic customer service. Would not use any other bank for my main banking needs. Reviewed on: 7th April 2023

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