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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

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

Brilliant

Great bank.Proud to be a part of it would recommend to friends and family . customers service is brilliant so helpful calls answered in quick time. No problems Reviewed on: 8th July 2022

Excellent banking service

We have been long standing customers for over 20 years and the service has always been excellent. The customer service staff are a pleasure to deal with nothing is too much trouble for them. I hope to stay with the bank for many years to come. Reviewed on: 25th May 2022

tried to apply for an account

Tried 4 times to apply for a current account online but every time got 'sorry technical error we have it recorded. No reason why. I suspect it was because i did not have a mobile to validate myself but.... Tried the number given online if the process fails - waited 15 minutes - no answer - obviously they didn't know i was a potential new customer. Tried a number for new customers - got put through to the mortgage department who started taking details about the account i don't have. Explained I was trying open an account He said he would give me the number for new accounts - he gave me the number i started off with - said there would be at least a 20 minute wait - good customer service!!!??? I surrendered - if this is the service for new accounts what is it like for existing customers? Another bank who cannot accommodate non-mobile users. Reviewed on: 3rd May 2022

Best current account

Best customer service of any bank's current account Reviewed on: 4th April 2022

Long standing Account

I have been with First Direct for over 20 years , nothing is ever too much bother, i always coming away very satisfied i have a bank i can trust 24 hours a day. Reviewed on: 4th April 2022

NO. 1 CUSTOMER SERVICE

EVERY TIME I NEED TO SPEAK TO ANYONE I GET EXCELLENT SERVICE. ALL THEIR REPRESENTATIVES ACTUALLY CARE ABOUT THE CUSTOMER AND LISTEN BEFORE JUMPING IN. I CANNOT PRAISE THEM ENOUGH. Reviewed on: 4th April 2022

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