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first direct: Current Account reviews

Name: Current Account
Rating: 4.7 (1357 reviews)

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4.69

Based on 1,357 reviews, last reviewed 15th Sep 2025

91% decrease in 5 star reviews

in the past 90 days

100% decrease 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

Rejected for being unemployed Applied for current account for the £175 switching bonus - application rejected because I am unemployed - disgusting! Reviewed on: 23rd April 2025

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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.

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first direct Current Account reviews (1357)

No problem

Great customer service. Easy to use website and app. No problems. Reviewed on: 9th February 2020

Great products & incredible service

Whilst first direct offer competitive products that either match or beat most other banks it is their customer service that sets them apart. I’ve had cause to call them a few times regarding certain things and once had an apology off the customer service assistant as it took around 2 seconds for them to answer. All other occasions it has been answered immediately. No queue, no “press 1 for this and 2 for that”. Answered straight away by a real person who sorts your issue not passes you on. Makes you wonder why everyone can’t provide such customer service. Reviewed on: 9th February 2020

wonderful

Fantastic customer service! Easy online banking app. Reviewed on: 8th February 2020

Very happy

First direct have some great deals and have never let me down. Reviewed on: 8th February 2020

Everything you want from a bank

Great customer service. It's never hard to speak to a real person and they are always helpful and happy to assist. Reviewed on: 8th February 2020

Great service

Absolutely the best customer service I've ever received from a bank. Reviewed on: 8th February 2020

Security Code Generator

Because I have only used the security code generator infrequently I have to read the instructions every time, it is fiddly and time consuming. With the introduction of increased security I will either get used to it or give up on it! Reviewed on: 8th February 2020

Very app based

It's great, but it would be great to have some interest on some of the balance. Also, difficult to log in - why do I have 3 passwords and 3 memorable things?! Reviewed on: 8th February 2020

Straightforward Banking

Signed up to get cash incentive, but very clear and easy to use online banking. If you phone them a human answers within a few rings- very good! Reviewed on: 8th February 2020

First rate with first direct

The only bank, and I’ve tried several, that has always maintained consistently high standards and does not leave me hanging on the telephone. Reviewed on: 8th February 2020

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