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first direct: Current Account 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
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

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
Rachel O'Neill's avatar
Rachel O'Neill

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
James's avatar
James
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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.

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first direct Current Account reviews (1357)

Best Bank I have ever used

5
Since I transferred to this Bank I have been very well treated Reviewed on: 26th February 2023
david holmes's avatar
david holmes

Already recommended to family

5
The process for opening a new current & savings acct, along with mobile and online was incredibly slick and efficient. Having phoned the call centre once, the call was answered quickly and my query handed efficiently and professionally, with no hassle. Reviewed on: 25th February 2023
Rob's avatar
Rob

Poor

1
Whoever i speak to doesn't seem to have a clue. A simple query about deactivating the app so I can set it up on a new device took 11 minutes. The person I spoke to had me on hold for about 6 minutes then started reading from what sounded like a script. They didn't listen to what I had asked Reviewed on: 25th February 2023
Karen Bradley's avatar
Karen Bradley

Great, Easy to use account

5
Straightforward, easy to use, both online and in the app. Reviewed on: 24th February 2023
sofieellis's avatar
sofieellis

Best bank

5
Best banking experience I've ever had, great products, offers and customer service Reviewed on: 23rd February 2023
emma marshall's avatar
emma marshall

Best bank

5
Best bank by miles.. Easy to use Reviewed on: 20th February 2023
Peter Breeds's avatar
Peter Breeds

Great, simple, easy account to use

5
Used the current account switching service to open it - no issues. Great customer service via phone, responsive and personable. Simple app with no frills. Reviewed on: 20th February 2023
mannypotter@hotmail.com's avatar
[email protected]

Simple, straightforward mobile banking

5
First Direct keep my custom because it's so easy to use the mobile banking app. Reviewed on: 20th February 2023
Rob Curry's avatar
Rob Curry

Easy to use bank account

5
I've had a First Direct bank account for more than 20 years. They're a fantastic bank, their customer service is second to none, and we also have our mortgage with them. The app is so simple to use, and if you need to speak to them, that's possible too. Reviewed on: 20th February 2023
Rebecca's avatar
Rebecca

Excellent Service

5
Have been with First Direct for a while and every interaction is exceptional Reviewed on: 20th February 2023
Hathi's avatar
Hathi

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