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first direct: Current Account reviews

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4.69
Based on 1,357 reviews, last reviewed 15th Sep 2025
95% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
9%
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2%
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1%
See only 1 star reviews
3%

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
Rachel O'Neill's avatar
Rachel O'Neill

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
James's avatar
James
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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)

Efficient, friendly banking

5
Any queries or concerns are always addressed with no hassle or drama Reviewed on: 9th November 2018
Amanda Black's avatar
Amanda Black

Great service

5
Great bank. Always there when I need them. Reviewed on: 9th November 2018
0779mikr's avatar
0779mikr

Good service, outdated app

4
I have experienced great customer service with First Direct, but their mobile banking app is a long way behind others I have used in both functionality and design. Reviewed on: 8th November 2018
Hix's avatar
Hix

Best Bank

5
Always helpful and always open! Very easy to call on telephone banking and no queues or annoying music. Reviewed on: 8th November 2018
Cheryl Edwards's avatar
Cheryl Edwards

Excellent account

5
If you can cope with operating an account pretty much 100% online this is the account for you. I have always had great service, never had any issues and on the odd occasion I need to speak to someone they haven't kept me waiting on the phone. Reviewed on: 8th November 2018
Lorraine Tinsley's avatar
Lorraine Tinsley

No problems!

4
Very good app and customer service - never had any problems Reviewed on: 8th November 2018
georgeb1971's avatar
georgeb1971

Best Bank

5
Good customer service, easy to get through to on the phone, internet banking very easy and simple to use Reviewed on: 8th November 2018
looby loo's avatar
looby loo

Smooth banking

5
First Direct had a rep for high quality customer service and have delivered for me. The ease of use from telephone banking to the app has been excellent too. Reviewed on: 8th November 2018
Jeremy Craggs's avatar
Jeremy Craggs

Fantastic First Direct!

5
First Direct is superb: excellent staff who are polite, knowledgeable and respectful; great range of products and easy to contact, great banking. Reviewed on: 8th November 2018
Kelly's avatar
Kelly

Had this account for many years

4
Nice easy account and easy to look at on the app. Reviewed on: 8th November 2018
Steph Lewis's avatar
Steph Lewis

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