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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

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

Nice way with customers, shame about funding fossil fuels

Have used fd since they started (1988 ?). Generally very good phone service; on line not so great. Biggest issue for me is HSBC (fd's parent company) funding fossil fuel projects. I'm not up to that so thinking of moving to Triodos who are excellent (we bank with Triodos at work). Cheers, J/. Reviewed on: 16th March 2022

Easy, efficient, informed

I would recommend FD as the service is easy to use, calls are answered in 2 rings and the staff are clear and knowledgeable Reviewed on: 16th March 2022

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