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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1494 reviews)

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4.70

Based on 1,494 reviews, last reviewed 16th Aug 2026

90% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

Excellent service, good app, very reliable Been with First Direct for over 30 years. We now bank with them online but occasionally still need to talk to them by phone and they’re always quick t... Read more Reviewed on: 16th August 2026

Latest lowest rating:

1

Stranded Abroad With 2 Young Kids. I switched from NatWest to First Direct. I regret it. I moved an account from NatWest to First Direct partly because of its reputation for customer s... Read more Reviewed on: 10th August 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

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

Totally reliable

Excellent choice of ways to contact any day , any time. I like online for most transactions but can talk to a real person easily. Reviewed on: 3rd September 2022

Been a customer from about day 3 of First Direct

Customer Service is amazing - friendly but clear, online services also easy to use. Highly recommend Reviewed on: 30th August 2022

Excellent customer service

I rarely have to hold when ringing - and when I do its not for long. Staff are genuinely helpful. I wouldn't want to bank with anyone else. Reviewed on: 10th August 2022

Amazing so glad I am with First Direct :)

I fell victim to an eBay scam and unfortunately managed to send £4800 before meeting with the seller to collect a new van First Direct couldn’t have been more helpful and listened to my problem talking through it with me on the phone for around an hour they have sent the money back to me I couldn’t be happier with the customer service I have received. Reviewed on: 17th July 2022

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