Write a review

Go to business site

first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

View other first direct products

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

Read all reviews Write a review

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.

Review first direct: Current Account now

Help others make smarter decisions by sharing your own experience.

Write a review

first direct Current Account reviews (1425)

Brilliant bank

Excellent customer service and rates Reviewed on: 14th March 2023

Very impressed with customer service

Call’s always answered quickly, staff never rush or dismiss you but make every effort to help. Reviewed on: 14th March 2023

Absolutely useless

Lied to, messed about. Given an account via their online process but can't open joint account online. Then lied to about changing it to a joint account and doing the application over the phone with the most condescending and patronising person I have ever dealt with we were told we can't have a joint account because you are a business, which we are not. They clearly have useless processes, very unprofessional staff and are just unbelievably bad Reviewed on: 13th March 2023

easy banking

Opened a new account and used their switching service and all went smoothly. First few weeks of banking have been super easy. banking at my fingertips Reviewed on: 11th March 2023

Excellent customer service

I made a switch to first direct in November, taking advantage of the reward for switching. Sign up was easy, and although there was an issue with verifying my address due to the house having a name in some places and just the house number in others, I was able to call up, speak to an adviser very quickly and sort this out. The app is easy to use and although there is no branch to walk into to get things sorted, I feel like phoning up isn't an issue as I don't need to wait in a queue for ages to speak to someone. Really pleased I made the switch and they automatically sorted out the transfers of my direct debits etc. I have had a great experience and it was well worth the switch. One happy customer right here. Reviewed on: 11th March 2023

Easy to use and helpful

I have been banking with First Direct for a number of years, over 20, and always found them helpful in opening other accounts such as savings. If overdrafts are required they are also amenable. Reviewed on: 11th March 2023

Great service

Great service via call centre. No fees. Reviewed on: 10th March 2023

Great incentive bonus when switching

Switched from Santander due to the £175 incentive bonus, which arrived really quickly within 2 weeks of the account opening. Everything transferred smoothly and the app is a lot better. Highly recommend. Reviewed on: 10th March 2023

Great customer service, and app

It just works. Top marks for customer service; ease of use and the app. Reviewed on: 10th March 2023

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

Do you have a different first direct product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Current account
from LHV Bank 4.00 from 1 reviews
Current Account
from Tesco Bank 4.35 from 67 reviews
Premier current account
from Barclays 4.07 from 113 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Tracker Rate Mortgage
from first direct 4.91 from 8 reviews
Fixed Rate Savings
from first direct 4.89 from 18 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub