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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

93% 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)

Great service compared to the mileninals

I've been a first direct customer for around 30 years and they still rock. They do however have some competition with the likes of Monzo doing great things with their app. The key difference is when things go wrong with Monzo you have to deal with their appalling customer service which is smug and staffed by children. first direct still employ grown-ups who fix things without banal comments. Reviewed on: 24th January 2020

Past their sell by date

I have been a loyal customer of First Direct for 32 years. They are an excellent telephone bank (although sometimes it takes ages to get through) but they have not kept up with the times and the move to digital banking. Although they have an app it is not customer focussed, very clunky and not friendly to use. Their customer service is excellent and you always get a helpful friendly person to speak to but when I telephoned to set up a standing order recently and was pushed in the direction to do it myself on the app and would I like help I realised that it was time to move on. For anyone else that recognised the change then look at Starling Bank. They are leading the way with digital banking in the manner that First Direct did with telephone banking 30 years ago. Reviewed on: 24th January 2020

1st Account

First Direct were one of the first internet banks and at the time were innovative. They have always been easy to get hold of although the cost of the call if you need to ring is not ideal. I struggled a little getting my account converted to a joint account as there was no High Street Branch to take in documents and to chase the process, however, on balance I would say I have been happy with the bank Reviewed on: 21st January 2020

Great customer services

I joined first direct when it first started and have never regretted it. For me, their customer services have always set them apart. Would recommend switching to them if you are less than thrilled with your current provider. Reviewed on: 20th January 2020

Great customer service

Great customer service reliable and quick easy to access online banking. Good rates. Unfortunately there is no bank close to be in ni but can you post office to make lodgements Reviewed on: 20th January 2020

Best customer service

Never had any issues. The staff are amazing. Reviewed on: 19th January 2020

Brilliant service

When you ring first direct, a real person answers quickly, even during busy periods. They help you without needing to pass you from department to department and everything is quickly resolved. The app works well too. Reviewed on: 19th January 2020

Amazing

Great bank account. Reliable and trustworthy Reviewed on: 17th January 2020

I cant think of a single bad thing...

Ive been with other banks in the past, but Ive been with First Direct for many years now. I have quite a few different accounts, and use many of the different banking features, ie transfers, savings, joint account, credits cards, Standing orders, Direct debits, online chat and phone support occasionally. It is hard to find a single problem. There are a couple of online system designs i would like changed but there isnt one system that suits everyone 100%. For example if you want to transfer some money from an account to a credit card, and there are more than one credit card in your family, you cant easily tell which one is which on the payment list, they have the same numbers. Also you cant rename an account, for example if you have multiple savings accounts you use for different reasons, they will all look the same. But honestly, this is the best bank by miles. Reviewed on: 17th January 2020

Helpful

The bank are always very keen to help with anything. Very friendly and quick to please on the phone. Reviewed on: 16th January 2020

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