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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% decrease 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 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 (1494)

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

Great bank

Brilliant app, great bank. Really good customer service Reviewed on: 5th April 2023

Great online banking experience

This has been a revelation and I’m really glad I took a chance on online banking. It’s really easy to use and I can do everything through an app on my phone. Reviewed on: 5th April 2023

Very easy to use

First direct is a true online and phone bank, something which makes banking with them so easy. I could even pay a very large amount into another account over the phone! Debit card security has also impressed me: I've been using first direct for more than 10 years and it never got hacked whereas my card with another bank, which I rarely use, has been hacked twice. Reviewed on: 4th April 2023

Excellent app the £250 free overdraft is cool

Great easy to use app makes managing finances easy quick text messages if near limit etc Reviewed on: 4th April 2023

Easy set up, appears safe

Account is easy to set up. They claim there's a human assistance over the phone 24/7 if necessary, which I haven't tested. I get on with the app well enough too. Reviewed on: 4th April 2023

Hard to fault

Good online access, phone service always good too. Have been with them for years (joint account) and never had problems. Reviewed on: 4th April 2023

Friendly Banking

First Direct are the customer focused bank for those who wish to manage their account online but with support on hand when needed. No waiting in queues and first class service from First Direct. Reviewed on: 4th April 2023

Very good customer service

Connected quickly and always helped resolve my problems Reviewed on: 4th April 2023

Great customer service, great App

Pick up the phone and they're always there answering within minutes usually. The app is very intuitive and has many great features Reviewed on: 4th April 2023

Good customer service

My experience after a couple of years is that this is a solid account, backed up by good customer service but an over zealous fraud team. It’s not unusual to get multiple transactions flagged for follow up, sometimes in the same week and have to wait hours for a call.. Slows things up. So, solid but not quick. Reviewed on: 3rd April 2023

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