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first direct: Current account reviews

Name: Current account
Rating: 4.70 (1494 reviews)

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4.70

Based on 1,494 reviews, last reviewed 16th Aug 2026

90% 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

Excellent service, good app, very reliable Been with First Direct for over 30 years. We now bank with them online but occasionally still need to talk to them by phone and they’re always quick t... Read more Reviewed on: 16th 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

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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.

first direct Current account reviews (1494)

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

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

Reliable, solid platform, gives you what you need in a bank

I've been with FD for years, one of the earlier online banks but still a great performer. Easy to use platform and by and large reliable in terms of availability/uptime. Never had a problem with them. Reviewed on: 27th February 2021

Easy to use and manage, but help is only a call away

Generally only use the app or online banking but when needed have called and the staff have be down to earth and able explain things clearly then will go on to solve issues quickly Reviewed on: 24th February 2021

Safe and Sure

Always helpful; safe and certain. Reviewed on: 20th February 2021

Great service

Great service, when you phone the bank it is snswred by a person who can answer your query or help solve any problems not a computer that can't understand what you say or needs you to key in lots of numbers. Reviewed on: 20th February 2021

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