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first direct: Current Account reviews

Name: Current Account
Rating: 4.73 (1489 reviews)

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4.73

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

20% 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

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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 (1489)

Great service and interest free overdraft

Always great service either over the Phone or Online. Great account that has a £250 fee free overdraft facility and suits my needs perfectly. Highly recommended. Reviewed on: 9th February 2020

Best Bank I've ever been with

I switched to First Direct over 20 years ago, and never regretted it once. Fantastic customer service. Great online pages. Super banking app. Ok interest rates could be better, but that's true for all banks. Regular saver is a good deal. Reviewed on: 9th February 2020

No problem

Great customer service. Easy to use website and app. No problems. Reviewed on: 9th February 2020

Great products & incredible service

Whilst first direct offer competitive products that either match or beat most other banks it is their customer service that sets them apart. I’ve had cause to call them a few times regarding certain things and once had an apology off the customer service assistant as it took around 2 seconds for them to answer. All other occasions it has been answered immediately. No queue, no “press 1 for this and 2 for that”. Answered straight away by a real person who sorts your issue not passes you on. Makes you wonder why everyone can’t provide such customer service. Reviewed on: 9th February 2020

wonderful

Fantastic customer service! Easy online banking app. Reviewed on: 8th February 2020

Very happy

First direct have some great deals and have never let me down. Reviewed on: 8th February 2020

Everything you want from a bank

Great customer service. It's never hard to speak to a real person and they are always helpful and happy to assist. Reviewed on: 8th February 2020

Great service

Absolutely the best customer service I've ever received from a bank. Reviewed on: 8th February 2020

Security Code Generator

Because I have only used the security code generator infrequently I have to read the instructions every time, it is fiddly and time consuming. With the introduction of increased security I will either get used to it or give up on it! Reviewed on: 8th February 2020

Very app based

It's great, but it would be great to have some interest on some of the balance. Also, difficult to log in - why do I have 3 passwords and 3 memorable things?! Reviewed on: 8th February 2020

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