Write a review

Newsletter

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

View other first direct products

4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% 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

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th 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

Read all reviews See your review

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 (1495)

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

Fading fast

Denying technical problems is the attitude of the incompetent or the arrogant. Don't treat customers like fools, that seems to your department! Reviewed on: 2nd March 2022

best bank

excellent service and always there when i need them Reviewed on: 2nd March 2022

Great service all round

I have had an account for five years and never had a single issue with them . Polite and friendly staff and a good website. Reviewed on: 28th February 2022

Amazing customer service

They've always provided us with brilliant customer service, phones are answered instantly at any time of the day and they've always been friendly and immediately answered any queries or sorted any issues. Their internet banking app is clean, simple and easy to use. Reviewed on: 22nd February 2022

Best bank ever

Always a friendly person to help no matter what time of day or night Reviewed on: 17th February 2022

Super

Really great bank with super app and immediate and friendly customer support Reviewed on: 16th February 2022

Great bank

Interest free overdraft is amazing and the service is the best of any bank I’ve used. Reviewed on: 16th February 2022

1st Class Customer Service

Any time we have had to contact First Direct their customer service has been 1st class. At Christmas we were unfortunate enough to be the victims of online fraud. First Direct were as usual professional and efficient and made a very stressful situation slightly less so. Reviewed on: 13th February 2022

Still the best after all these years

I switched to first direct in January 1997 after years of poor service from a number of high street banks. first direct's customer service has always been excellent and never let me down, which is why I have not switched to another provider, which I'm happy to do in all things if I'm not happy or feel that I can get a better deal. Reviewed on: 13th February 2022

Simple accessible banking

Friendly quick customer service. Simple non-nonsense products. What's not to like? Reviewed on: 13th February 2022

Do you have a different first direct product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Black Current Account
from RBS 3.49 from 19 reviews
Student 20 Account
from Bank of Ireland 0.00 from 0 reviews
Multi-Currency Debit Card
from iFAST Global Bank 4.62 from 74 reviews

Want to see more from first direct?

Regular saver
from first direct 4.77 from 150 reviews
Bonus Saving Account
from first direct 4.68 from 59 reviews
Fixed Rate Mortgage
from first direct 4.65 from 45 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub