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first direct: Current Account reviews

Name: Current Account
Rating: 4.71 (1425 reviews)

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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

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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 (1425)

Failing Customer Service

I've been a first direct customer for 30 years, and the quality of customer service has declined over the last 5 years. I couldn't report a fraudulent transaction via their website/app and when I called them I was out on hold for 10 minutes and then cut off 3 times before I eventually managed to report the transaction. Reviewed on: 1st April 2022

listening bank

Easy to use, great at looking at alternatives to any query, have good savings rates, can use HSBC for easy local dealing. Reviewed on: 1st April 2022

Always excellent service

This bank puts customers first every time. Reviewed on: 29th March 2022

First in Class

I've banked with First Direct for approx 10yrs and I ahve never had any complaints. I'm confident my bank account and cards are secure using First Direct. I can speak to real people anytime of day & their customer service is consistently excellent. FD banking products are competitive and I feel like they look after their customers, I honestly can't see a reason I'd need to change banks Reviewed on: 29th March 2022

Good service

I can highly recommend first direct, I have banked with them for over twenty years with no problems. Reviewed on: 29th March 2022

A great bank with ease

A great interest rate on my overdraft and nothing is ever too much trouble. Offer great services too Reviewed on: 28th March 2022

First To Deliver

Been with FD for many years and have always found them to be excellent! Helpful, supportive, and flexible everything you need in a bank! Well Done First Direct!! Reviewed on: 28th March 2022

Reliable for all banking services

First Direct staff are always available by phone and provide a first class service that is not restricted by use of an app. You can always choose to chat with a human! Reviewed on: 27th March 2022

Brilliant Bank

First Direct are in a class of their own where traditional banking is concerned. The customer service is always faultless and I've been with them since 1996. They would be my clear favourite if Monzo hadn't appeared in 2015. The only reason for the missing star is FD's technical inertia compared to the new fintech banks. Reviewed on: 25th March 2022

Brilliant service no other bank seems to be able to match

Just brilliant customer service Reviewed on: 24th March 2022

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