Smart Money People Logo

first direct: Current Account reviews

4.69
Based on 1,357 reviews, last reviewed 15th Sep 2025
93% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
3%

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
Rachel O'Neill's avatar
Rachel O'Neill

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
James's avatar
James

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 (1357)

Free overdraft

5
Been with them for years!! Always personal! Reviewed on: 5th February 2020

Great customer service

5
Always found first direct to offer great customer service. Their staff on the phone are fantastic, helpful and efficient. Reviewed on: 5th February 2020

Great Customer Service

5
Always pleasant to deal with, and answer the phone quickly. Reviewed on: 4th February 2020

Seamless

5
Changed to them earlier in the year, so easy to deal with. Have since set up new savings accounts which have all been really easy. App is brilliant as well, can’t fault them Reviewed on: 31st January 2020

Best Bank Super friendly

5
I have banked with first direct for a long time. Got mom to open account, friends here me speaking to them like old friends. Helpful when i need help, ALWAYS!! Open 24x7x365 what more is there to say. Superb!! Reviewed on: 30th January 2020

First Class Bank

5
Customer Service the way it should be! Reviewed on: 29th January 2020

Glad I switched

4
Great product Great online accessibility Simple to use Pleased I made the switch Reviewed on: 28th January 2020

Brilliant bank

5
This has been the easiest bank to deal with I have ever had. The website is intuitive and easy to navigate. Any problems (and we haven't had many) they have been sorted out very quickly without any fuss. Reviewed on: 28th January 2020

All round excellence

5
All round excellent service, highly recommended Reviewed on: 24th January 2020

Simply the finest customer service by a mile

5
What can I say when I need them they are there. Speaking to a human with a simple but effective app to go alongside the service too. No one will beat them ever Reviewed on: 24th January 2020

Review first direct: Current Account now

Help others make smarter decisions by sharing your own experience. Write a review