Write a review

Newsletter

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.70 (1495 reviews)

View other first direct products

4.70

Based on 1,495 reviews, last reviewed 19th Aug 2026

88% 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

You can talk to a human on the phone A human is available without talking to a bot for 20mins, they are in the UK with good English. Reviewed on: 19th 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 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 (1495)

Review of the first direct, Current account:

Simple but effective

Although they lack high street locations they have the best customer service available and you can use the post office to pay in cheques etc Reviewed on: 22nd November 2019

no one answers the phone

customer service very very poor Reviewed on: 19th July 2021

Hopeless

Cannot get through on the phone Reviewed on: 11th July 2021

Good overall.

Easy to use app,good customer service on the phone. Reviewed on: 29th June 2021

Would give a zero. AVOID AVOID AVOID

Mobile app is terrible Online banking is terrible Help line has atleast a half an hour hold time. If you don't want to smash your phone or laptop each time you try and do any thing please use another bank Reviewed on: 18th June 2021

Incredibly helpful customer services

I was a victim of a massive scam. Leaving me penniless. First Direct were superb and reinstated all my accounts fully. So kind and understandin Reviewed on: 18th June 2021

Best ever Bank

I transferred to First after 25 years with Clydesdale. What a difference! It was like stepping from the nineteenth century into the twentyfirst. They have the best and I mean THE BEST customer service of any company I have encountered. Reviewed on: 18th June 2021

Good support team

I have very little to say except they are always looking after there customers interest there online banking fraud team are on the ball and deal with any fraudulent transaction discreetly and gives confidence to the customer knowing that there security is in safe hands Reviewed on: 15th June 2021

Personal service with no bots

You always get to speak to an actual helpful person. No issues with long waits, irritating music or bots Reviewed on: 14th June 2021

USELESS BANKERS

I have held my account with First Direct for over 25 years and in the early days remember thinking how forward looking and efficient a bank it was, that communication and connectivity was excellent. What a shame that it has become a bureaucratic pile of departments that are unable to speak to each other, and incapable of doing something as simple as issuing a bank card. You haven’t just slipped down the rankings from 1st place to 3rd place (Which Magazine), you have lost complete control of what you are doing day to day and that it is customer satisfaction and ability to problem solve for customers that you have given up. Reviewed on: 3rd June 2021

Amazing customer service

Having bad experiences with other banks I moved to First Direct about 8 years ago and I am never one to leave reviews. But their customer service every time are the friendliest and most helpful people I've spoken to on the phone in any company. I've had dozens and dozens of calls with them now and each time the advisors are always very polite, friendly and clear and helpful in the way that they speak. The app and online banking security levels make me feel safe with my banking. Reviewed on: 5th May 2021

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

Current account
from thinkmoney 3.73 from 72 reviews
Student Current Account
from RBS 4.07 from 13 reviews
Smart current account (discontinued)
from Fidor Bank (inactive company) 3.23 from 13 reviews

Want to see more from first direct?

Regular saver
from first direct 4.77 from 150 reviews
Bonus Saving Account
from first direct 4.68 from 59 reviews
Fixed Rate Mortgage
from first direct 4.65 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