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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)

The best bank for busy people with complicated lives

Brilliant customer service with empathic and friendly staff who are willing to help you find solutions to problems. Reviewed on: 10th February 2019

so easy

love first direct the account is so easy to use and if you have to phone them they are brill and you can understand them cos its in the uk Reviewed on: 10th February 2019

Excellent bank for over 25 years

Joins First Direct in 1994 and never looked back since Reviewed on: 10th February 2019

Always a prompt, professional and friendly service

The bank that puts the customer 1st Reviewed on: 10th February 2019

Very good customer service

First Direct has a contact centre, based in the UK, that is open 24 hours a day, so you can ring and talk someone at any time. If you have an overdraft, the first £250 is interest free which is very helpful, and unlike most other UK bank accounts. Reviewed on: 9th February 2019

Online Only Baloney

As the first on line only bank, First Direct is remarkably boring and looks and feels like a traditional bricks and mortar bank. Limited functionality, poor, poor app experience, nonsense and overly complex 'security' processes...moving to Starling Bank. Reviewed on: 9th February 2019

Easy, reliable, fully formed

Day to say banking with first direct is great, the app and website are easy to use, staff on the phones are well trained. Unlike many of the new challenger banks, first direct offer a full range of products. They might have some catching up to do on the digital side, but they keep launching new updates, when it comes to service the others are nowhere near. Reviewed on: 9th February 2019

Great account with lots of perks

Great overdraft, savings and credit facilities Reviewed on: 8th February 2019

Very effective bank.

Always receive an efficient service whenever I need to contact my bank. Reviewed on: 8th February 2019

Amazing

LOVE FD!!! Amazing just like family Reviewed on: 8th February 2019

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