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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)

All round excellence

All round excellent service, highly recommended Reviewed on: 24th January 2020

Simply the finest customer service by a mile

What can I say when I need them they are there. Speaking to a human with a simple but effective app to go alongside the service too. No one will beat them ever Reviewed on: 24th January 2020

Great service compared to the mileninals

I've been a first direct customer for around 30 years and they still rock. They do however have some competition with the likes of Monzo doing great things with their app. The key difference is when things go wrong with Monzo you have to deal with their appalling customer service which is smug and staffed by children. first direct still employ grown-ups who fix things without banal comments. Reviewed on: 24th January 2020

Past their sell by date

I have been a loyal customer of First Direct for 32 years. They are an excellent telephone bank (although sometimes it takes ages to get through) but they have not kept up with the times and the move to digital banking. Although they have an app it is not customer focussed, very clunky and not friendly to use. Their customer service is excellent and you always get a helpful friendly person to speak to but when I telephoned to set up a standing order recently and was pushed in the direction to do it myself on the app and would I like help I realised that it was time to move on. For anyone else that recognised the change then look at Starling Bank. They are leading the way with digital banking in the manner that First Direct did with telephone banking 30 years ago. Reviewed on: 24th January 2020

1st Account

First Direct were one of the first internet banks and at the time were innovative. They have always been easy to get hold of although the cost of the call if you need to ring is not ideal. I struggled a little getting my account converted to a joint account as there was no High Street Branch to take in documents and to chase the process, however, on balance I would say I have been happy with the bank Reviewed on: 21st January 2020

Great customer services

I joined first direct when it first started and have never regretted it. For me, their customer services have always set them apart. Would recommend switching to them if you are less than thrilled with your current provider. Reviewed on: 20th January 2020

Great customer service

Great customer service reliable and quick easy to access online banking. Good rates. Unfortunately there is no bank close to be in ni but can you post office to make lodgements Reviewed on: 20th January 2020

Best customer service

Never had any issues. The staff are amazing. Reviewed on: 19th January 2020

Brilliant service

When you ring first direct, a real person answers quickly, even during busy periods. They help you without needing to pass you from department to department and everything is quickly resolved. The app works well too. Reviewed on: 19th January 2020

Amazing

Great bank account. Reliable and trustworthy Reviewed on: 17th January 2020

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