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first direct: Current account reviews

Name: Current account
Rating: 4.74 (1494 reviews)

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4.74

Based on 1,494 reviews, last reviewed 18th Jun 2026

5% decrease 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

Very friendly and helpful staff Whenever I have had trouble logging into my account or other issues in regards to my account, the staff are always very friendly and helpful. The are... Read more Reviewed on: 18th June 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 (1494)

Seamless

Changed to them earlier in the year, so easy to deal with. Have since set up new savings accounts which have all been really easy. App is brilliant as well, can’t fault them Reviewed on: 31st January 2020

Best Bank Super friendly

I have banked with first direct for a long time. Got mom to open account, friends here me speaking to them like old friends. Helpful when i need help, ALWAYS!! Open 24x7x365 what more is there to say. Superb!! Reviewed on: 30th January 2020

First Class Bank

Customer Service the way it should be! Reviewed on: 29th January 2020

Glad I switched

Great product Great online accessibility Simple to use Pleased I made the switch Reviewed on: 28th January 2020

Brilliant bank

This has been the easiest bank to deal with I have ever had. The website is intuitive and easy to navigate. Any problems (and we haven't had many) they have been sorted out very quickly without any fuss. Reviewed on: 28th January 2020

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

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