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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)

Fantastic, friendly service

I have had an account with First direct for around 6 Years now and have found the 1st account fits my needs perfectly. The account comes with a £250 fee free overdraft facility that takes away the worry of going slightly overdrawn and incurring fees. When I have called their Customer service department , I have always found them a pleasure to deal with and they deal with the enquiry promptly every time . Great account, excellent service. Reviewed on: 23rd June 2019

Excellent service

first direct offer a good reliable online banking service Reviewed on: 10th June 2019

simply the best

nice to speak to a uk based help line. First direct make banking so simple Reviewed on: 9th June 2019

Continued great customer service year after year

First Direct remain the easiest and most helpful bank to deal with. Reviewed on: 9th June 2019

Professional

Excellent customer service, very good product portfolio. Everything I need in banking. Reviewed on: 12th May 2019

The best account

I've been with first direct for years. They are without doubt the best bank to deal with. Their phone service if you ever need then is second to none. The app is very good and very clear. The back account is clear and provides everything you need. I would highly recommend first direct to anyone. I have encouraged several family members who have also moved to first direct and are also very happy. Reviewed on: 10th May 2019

Poor customer service - impossibly difficult online system to negotiate

Really disappointed with this bank (in process of switching to Metro). Basically, I joined almost as soon as it opened, and was pleased to recommend for quite a long time (to quite a few people). Unfortunately - as always seems to happen - it has grown bloated with self-satisfaction, uninterested in the consumer, and very well pleased with itself. So: the reasons I'm switching are: (1) poor customer service, (2) no interest on current account, (3) difficulty of negotiating online account, (4) insane level of security being required. Other than these: fab! (not!!!!) Reviewed on: 9th May 2019

Superb current account

Flawless service and no errors ever Reviewed on: 8th May 2019

Best customer service ever received from a bank

As it says on the box - this bank has the best customer service I have ever received from a bank! I highly recommend their first account if it works for you. Reviewed on: 2nd May 2019

Rude and time-consuming

I have put up with First Direct for about two decades. They were excellent for a while but they've grown very arrogant and unhelpful over time - while their security features take forever (one gets a little fob, to create codes for every single thing). I appreciate that security is an issue, but my husband doesn't have to do this, with Lloyds. Their staff are extremely offhand and unhelpful as well - and, in some ways, the worst of all - it's VERY hard to search for anything, or to accomplish tax returns, with their archaic system. I really would NOT recommend this online bank to a friend - would advise them to steer well clear, instead! Reviewed on: 1st May 2019

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