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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

16% 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

Best current account without a doubt

This is an easy to use and secure banking product via an excellent app. The telebanking team is also professional, helpful and friendly. Reviewed on: 11th January 2023

excellent service

Over the past 6 months i signed up to first direct and have been really pleased. even though they are an app only bank their customer service is excellent and you always get a fast response Reviewed on: 11th January 2023

The epitome of what a bank should be

Easy banking via mobile, phone, and online. A bank that truly believes in providing for its customers. They have responded to the current situation by helping their customers. Reviewed on: 10th January 2023

super

Gerat account, only criticism the app is not really offering all it should, other members of the same banking groups apps are better Reviewed on: 10th January 2023

Good customer service

Excellent customer service always putting the customer first. Excellent ap too which does just about everything. Reviewed on: 10th January 2023

Poor safeguarding and customer care

Waiting 17 months for a bank card. Waiting 8 months for POA to be recognised and still waiting. Bank have now locked the account of a disabled vulnerable person who has cognitive disabilities and is unable to verify her account. There is no safeguarding in place to prevent this from happening. We have been trying to sort this out for over 2 hours on the telephone. Line managers don’t take phone calls apparently and to make a formal complaint you have to first go to customer care (ironic title for a bank who thinks it’s ok to do this to people). Reviewed on: 20th December 2022

Great phone service but lagging behind on App

The service is very professional and helpful - but I cannot do simple things like have automatic categorisation of spend in the app - which puts it well below other more modern banking services. It feels like a very nice brand to be with, but I wonder what we are missing out on. Reviewed on: 17th October 2022

Excellent company

I have been with First direct for over 25 years and they have been excellent when I have needed them Reviewed on: 14th October 2022

Easy to use and helpful

Always helpful over the phone to resolve any issues Reviewed on: 27th September 2022

The only online bank you need

I can't praise First Direct enough. I've used them since they began, so for 33 years! Their systems are so slick and easy to use and their customer service is outstanding. Reviewed on: 13th September 2022

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