Write a review

Go to business site

first direct: Current account reviews

Name: Current account
Rating: 4.73 (1489 reviews)

View other first direct products

4.73

Based on 1,489 reviews, last reviewed 8th May 2026

16% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

85%

Latest highest rating:

5

I’ve had a really positive experience with First Dir... I’ve had a really positive experience with First Direct’s 1st Account. The account is simple to manage, with an easy-to-use app, reliable online banki... Read more Reviewed on: 5th May 2026

Latest lowest rating:

1

1 star is far too generous. 1 star is far too generous. First Direct sent an email asking me to provide another review even though i have been waiting for a working PIN since Fe... Read more Reviewed on: 8th May 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 (1489)

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

Excellent Customer Service

I have been banking with First Direct for over ten years now. They answer the phone promptly, and deal with any query I have had efficiently. They have knowledgeable and polite staff. There app service is easy to use and I have never had any problems with my banking. Reviewed on: 16th March 2021

Best bank ever!!

I can’t thank these guys enough for first class customer service & an app that allows me to see everything I need in a glance. Top quality, top service Reviewed on: 13th March 2021

Why can't all banks be as efficient as this?

I joined in the days before internet banking and was initially worried about the lack of branches, but very quickly my only regret was not moving to them years previously. Efficient, competent, knowledgeable, friendly: everything we all want from bank staff but sadly often don't get. Reviewed on: 10th March 2021

Simples

Ticks all the boxes for what I need in a bank Reviewed on: 10th March 2021

Brilliant

Have been with First direct since the beginning. Have always been impressed. Love the online app & customer service is brilliant Reviewed on: 10th March 2021

Does what it says on the tin!

I'v been with First Direct for over 25 years and they get it right most of the time. Bearing in mind that they are owned by HSBC, it is impossible to understand why their parent is so incompetent when it comes to online banking! Reviewed on: 10th March 2021

No hassle

Been with first direct from the start Best bank for customer service and ease of use on internet Reviewed on: 2nd March 2021

Still the best for service

Although there are a plethora of challenger banks snapping at its heels, first direct retains its key advantage - the best customer service in the market. The combination of app, web and UK call centre provides the omni-channel availability that their customer base requires, and even in pandemic world they have maintained great standards Reviewed on: 28th February 2021

The Best Bank

Excellent Customer service ! Always a human to talk too! And a wide range of other services Reviewed on: 28th February 2021

Fantastic

A bank that actually values it's customers and still believes in decent telephone support. Reviewed on: 27th 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

Student Account
from NatWest 4.30 from 89 reviews
Current Account
from Allied Irish Bank - AIB 2.49 from 16 reviews
Smart current account (discontinued)
from Fidor Bank (inactive company) 1.92 from 13 reviews

Want to see more from first direct?

Travel Money
from first direct 5.00 from 1 reviews
Tracker Rate Mortgage
from first direct 4.91 from 8 reviews
Fixed Rate Savings
from first direct 4.90 from 20 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