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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)

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

Best of the bunch

Excellent customer service on phone & online Reviewed on: 8th February 2019

Join first direct

Efficient service, a friendly voice and always there when you need them: day or night. Reviewed on: 6th February 2019

Simply the best

First rate experience and been with them for over a decade. Wouldn't even be tempted to swap banks. 1st class online banking with customer service second to none.. Can't fault this bank - no wonder it comes top in all the ratings... Reviewed on: 5th February 2019

EXCELLENT BANKING

GREAT ONLINE EXPERIENCE. ALWAYS RESPONSIVE TO ANY QUERIES I MAY HAVE. Reviewed on: 4th February 2019

Switch New Account

Fantastic customer service available on telephone. Online banking set up extremely secure more so than High Street banks. Lots of financial products for 1st Account customers well explained by customer services assistant. I have switched from Halifax due to the increase in overdraft charges of 1p for every £6 per day from Jan 2019. First Direct overdraft is free up to £250. Will probably look at mortgage switch too. Reviewed on: 29th January 2019

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