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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

94% 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)

Top bank with top customer service

First Direct are what a bank should be. I have been with them since shortly after they began as a telephone-only bank. Only once in all that time have I had to hold on (I think it was about 45 seconds) before speaking to a human; every other time one gets straight through. There are no ghastly computer questions to wade through first. The accounts are well thought out and operate smoothly online; there are none of the computer disasters you hear of from other banks. And until recently the Regular Saver paid a really excellent rate of interest. Reviewed on: 20th November 2019

Good overall bank

Great opening offer, fab 6% savings account and good just under 1% general savings account. Reviewed on: 9th November 2019

Keeping the humanity in personal banking

First Direct have impeccable customer service. Always being able to speak to a (well-trained) person makes all the difference in frustration and difficult situations that can arise in personal banking. It is the only bank I’ve ever dealt with where the service is consistently brilliant, the staff remember they are dealing with (sometimes very vulnerable) people and not just money depositors, and you never have to repeatedly explain your issue or instructions anytime you are transferred between agents or departments because the team communicates exceptionally well and leave thorough and appropriate notes on your account. The banking app could do with a few more features to rival their app-only competitors but those are minor preferences in comparison to the overall banking experience. There’s no need to bank anywhere else. Reviewed on: 9th November 2019

Great online and phone bank

Longest wait for an agent around 1 minute, normally an instant connection. Easy to use online for secure payments. Great service over many years. Reviewed on: 7th November 2019

Disappointing customer service

For all it's great ratings, this had been disappointing. The app didn't properly register me, and required long phonecalls to customer service. This happened again when my phone OS updated again. Reviewed on: 5th November 2019

Brilliant service

Private style banking for the intelligent. Reviewed on: 5th November 2019

Very good

Easy to use and contact,helpful staff, good regular saver account. Reviewed on: 5th November 2019

Great customer service

Very easy to contact and extremely helpful and informative Reviewed on: 5th November 2019

Genuinely helpful service, reasonable terms

Really happy overall - very pleased I switched banks Reviewed on: 5th November 2019

Premier banking without the fee

Have been with First Direct for more years than I can remember and never had a problem, it's always been like having premier banking but without the fees, first class service from all the operators I have spoken to and so good to speak to a call center in the UK. Reviewed on: 5th November 2019

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