Write a review

Go to business site

first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1451 reviews)

View other first direct products

4.73

Based on 1,451 reviews, last reviewed 25th Mar 2026

8700% increase 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

Great online banking. Great online banking. Very easy to set up. Reviewed on: 25th March 2026

Latest lowest rating:

1

I have been a customer of First Direct for 34 years... I have been a customer of First Direct for 34 years so I know this bank very well For 33 years I often recommended it to friends but this past year th... Read more Reviewed on: 29th October 2025

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 (1451)

Review of the first direct, Current Account:

Quick Service

Fast response to any issues and helpful at sorting things out quickly. Reviewed on: 25th May 2024

Scam

Late 2020 victim of two linked scams. FD have withheld over £3K of first one as "punishment" for not taking more care. Complaint letter factually incorrect. Granted loan didn't ask for, not checked with me because "it was done online". Account fraud their own department, debit card fraud covers FD, HSBC, M&S Bank. When agent called she used wrong one so made me more suspicious. Thankfully recipient of part of loan was suspicious and refunded my money. Learn from this FD! Ombudsman has been in touch with FD so hopeful of getting money back. Shame it's more than would be covered by small claims court. Had phone number for initial scammer, FD didn't want it initially. Same with two e-mails. Blaming account holder seems easy way out. Shambles is only way to describe FD security! Reviewed on: 18th February 2021

Excellent service

Excellent customer service and bank, always get through to them within minutes and they solve any queries I have straight away. Their customer service agents, who are based in the UK, are very clear to hear, which is a bonus. I do my banking online and their app is excellent, everything I need for my banking needs. Reviewed on: 18th February 2021

the helpful bank

For instance I wanted to send some money to nephews in Australia last Xmas and had no idea how to start the process .They are always ready to assist and so friendly ! 1st D are great ! Reviewed on: 18th February 2021

App works wonders

The app allow the customer to have easy access over their money and find out exactly where it is going. Reviewed on: 18th February 2021

Easy to do business with.

The app is well designed, and easy to use. Reviewed on: 18th February 2021

Served me very well

I joined FD in its early days as it was a innovative bank - have really never looked back. Only issue I feel is that HSBC should let it be more independent to compete with fintech start ups like Starling, etc Reviewed on: 18th February 2021

Perfect

Simply, the best bank. Excellent online application and more importantly real people on the end of a phone line, and only after less than 5 rings.. Reviewed on: 17th February 2021

Avoid as much as you can

Terrible customer service. Fail to see why it scores highly, the reviews you see must be fake. Reviewed on: 17th February 2021

Great online banking

Very good app and never had any issues with this bank. Telephone helpline is always quick to answer any queiries you might have. Reviewed on: 17th February 2021

Very good customer service

Always get helpful people quickly without a delay that understand their products and can sort problems Reviewed on: 17th February 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

Black Account
from NatWest 4.24 from 232 reviews
Silver Added Value Account
from Lloyds Bank 3.89 from 20 reviews
Current account
from Chase Bank 4.94 from 48940 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Fixed Rate Savings
from first direct 4.91 from 20 reviews
Tracker Rate Mortgage
from first direct 4.91 from 8 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