Write a review

Newsletter

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.70 (1494 reviews)

View other first direct products

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

Read all reviews Write a 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.

Review first direct: Current account now

Help others make smarter decisions by sharing your own experience.

Write a review

first direct Current account reviews (1494)

Great bank

I have never had any issues with First Direct bank. Their app works good, as does their online banking service. Reviewed on: 21st January 2022

Perfect for online banking

As almost every physical bank in my area no longer exists I have found First Direct, being online only, ideal for my needs. I can access my account instantly and move my money around just as I want. If this option was not open to me I would have to drive 15 miles in any direction to undertake such activities. Reviewed on: 20th January 2022

Great Bank

I've been with them since inception and always had the best service. No thoughts of moving bank as all of my needs are constantly met. Great service both online snd by phone. Easy to speak to and quick yo answer. Thanks. Reviewed on: 20th January 2022

Just the best

Moved from RBS to first direct more than 20 years ago when it was all telephone banking, the call centre was,. and still is brilliant. The staff are empowered to deal with issues on the spot, and their online site is simple for non-tech savvy people like me. The only fly in the ointment is their change from Visa to Mastercard for their debit card which has disabled many of the functions previously available in HSBC back branches, they promise to sort out the issue and I am sure they will Reviewed on: 20th January 2022

Good Service

Telephone access almost immediate, refreshing after some other Banks Reviewed on: 18th January 2022

Excellent all-round full service online bank

FD does what the other online banks do but also provides live phone calls with people who understand banking. By far the best full range full service current account. Reviewed on: 18th January 2022

Accessible, efficient, responsive

I have had my current account with First Direct for over ten years now and have never had any issues or problems with the administration of it or in accessing customer services. It’s a 24 hour a day, 365 days a year operation that is efficient and responsive. Reviewed on: 17th January 2022

Easily accessible, excellent app

First direct continue to be ahead of the games with an excellent phone app for accessing your account in a very user friendly way Reviewed on: 17th January 2022

First class current account with great support

I transact mainly via app which is faultless. When I do need to call the staff are great and always sort me out. Reviewed on: 17th January 2022

The best customer service

First direct are a great bank. Really great customer service and fabulous online. Reviewed on: 15th January 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

Smart current account (discontinued)
from Fidor Bank (inactive company) 3.23 from 13 reviews
Club Lloyds current account
from Lloyds Bank 4.48 from 684 reviews
Everyday current account
from Santander 4.04 from 206 reviews

Want to see more from first direct?

Regular saver
from first direct 4.76 from 149 reviews
Bonus Saving Account
from first direct 4.68 from 59 reviews
Fixed Rate Mortgage
from first direct 4.66 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