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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

Simply the Best Bank

I have been with this Bank for 30 years and have never been let down in any way. Talk to people in UK without any hold music or number options in the way. Great service. Reviewed on: 2nd February 2021

Brilliant bank

The service from this bank is fantastic. They are available 24/7 and you get straight through to a person. Never had any issues with app as it’s easy to use. Reviewed on: 22nd January 2021

Customer relations do not give a damn

After being a customer for 20 years of first direct, I will be closing my account and going elsewhere due to the lack of customer services received on a complaint. Customer relations do not care about the rude and unhelpful service. Will be raising a complaint with the financial ombudsman! Reviewed on: 10th November 2020

Best service I have ever had!

Just come off the phone after being guided with opening a new account and setting up online banking, with the most amazing kind, respectful, and patient young man called Jordan. I am 74 years old, and technology inept, but Jorden made me feel like I was the most important person on the planet! I hope everyone over 60 opening an account with First Direct, could have Jordan to set them up, he's amazing! Thank you. , Reviewed on: 10th November 2020

Never let you down

Been with them from the very beginning, always excellent customer service Reviewed on: 19th September 2020

Outstanding Customer Service

All banks should run like First Direct. Although I predominantly use their digital services (which are simple, easy, and feel safe), it's the ability to call and speak to a real human straight away that sets them apart. For anyone worried about using an "internet" bank, you can pop into any HSBC bank for the in-person stuff like depositing money. Reviewed on: 15th September 2020

Unauthorised cancellation of policy

Cancelled my policy without concept when I thought it was active resulting in me driving my car insured for 3 week. Luckily they admitted error and insured me retrospectively but not impressed. Reviewed on: 12th August 2020

Downhill

They were great now are just HSBC customer service ... Reviewed on: 17th July 2020

Tankks

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Great Service

Great Service. Easy to use AP and 24 hour customer service. Reviewed on: 13th July 2020

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