Write a review

Go to business site

first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1358 reviews)

View other first direct products

4.68

Based on 1,358 reviews, last reviewed 29th Oct 2025

100% 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 generous 0% overdraft, great to bank with My partner had First Direct before I did and encouraged me to get it. Have been with them for 3 years am so happy I switched! Very generous 0% overdra... Read more Reviewed on: 15th September 2025

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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 (1358)

Review of the first direct, Current Account:

Great product, great service

I switched to First Direct purely for their offer of £125 for switching current accounts. I had seen this advertised in a few places, and thought it seemed worth the trouble of switching accounts. The process to switch was very straightforward, and they moved all my direct debits etc across no problems. When they sent me all the documents for the account, I had a couple of questions, so I thought I would call them to get my answers. The phone was answered very quickly by a real person in the UK, who was able to answer my questions straight away. I was really impressed I didn't have to sit on hold for ages. A few weeks later I got my £125 for switching. One benefit for me is that the account gives you access to a 6% regular saver account, so that you can put money away each month and get a better than average return on the savings. I haven't used the overdraft at all, so I couldn't comment on the cost of this and whether it is good or not. The other feature I have used is the online messaging service when I have had questions, and they have always replied within 48 hours with a comprehensive answer to my question. The customer service really makes them stand out for me, and I would recommend them. Reviewed on: 25th August 2015

Good customer service, especially telephone support

Good customer service, especially telephone support Reviewed on: 1st March 2025

I have always had a great experience with first direct.

I have always had a great experience with first direct. Great customer service and friendly staff. Online banking is simple straight forward and unlike the alerts you get . Reviewed on: 28th February 2025

Switch to first direct!

I was amazed how easy first direct made it to switch from my old bank account. The service was amazing Reviewed on: 27th February 2025

Love First Direct .

Love First Direct . Get through to a human being very quick when you phone up . When we were scammed the fraud team were very good and sorted it out Reviewed on: 27th February 2025

It’s always easy with first direct - they are quick...

It’s always easy with first direct - they are quick to pick up the phone and helpful. I’ve yet to have a bad experience. Reviewed on: 27th February 2025

Brilliant customer service support.

Brilliant customer service support. A human to speak too no AI Reviewed on: 27th February 2025

Easy to do transfers, review transactions, access st...

Easy to do transfers, review transactions, access statements Reviewed on: 27th February 2025

Good benefit of opening a current account

If you open a current account you can have access to good rates on savings accounts. Reviewed on: 27th February 2025

I've been with First Direct for thirty years.

I've been with First Direct for thirty years. The customer service is excellent. You never have to wait to speak to someone, as your phone call is answered almost immediately. All the staff are friendly and helpful. Reviewed on: 27th February 2025

Reliable and efficient

You can speak to someone in this country any time of day Reviewed on: 27th February 2025

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

Select Silver Current Account
from RBS 4.44 from 27 reviews
Freedom Current Account
from Danske Bank UK 4.50 from 2 reviews
Under 16s account
from Monzo 4.95 from 410 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Tracker Rate Mortgage
from first direct 4.91 from 8 reviews
Fixed Rate Savings
from first direct 4.82 from 15 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