First Direct | Current Account

Monthly fee: £10
AER: 0%
Contact First Direct

First Direct | Current Account customer reviews

4.5 out of 5 from 385 reviews

Best bank ever

04:16 22-11-2017

Imagevia Smart Money People

Customer service second to none


The best bank I have ever dealt with

14:53 21-11-2017

Imagevia Smart Money People

Everything I need from a bank is provided promptly by friendly helpful staff.

Ken Crago

Good on the phone - poor online

14:30 21-11-2017

Imagevia Smart Money People

First direct are always friendly and helpful on the phone. You would expect that - they are a telephone bank without branches, after all. Their staff usually action and resolve things quickly., and get back to you when they say they will. So customer service is good. The downside is that their online banking platform is weak. I think it's the same as HSBC. They intrude into your Payment Address book, and pre-code bank accounts of 'established' organisations, which means you cannot check if you have the right account when there is more than one. It's also crashing far too often.



12:36 21-11-2017

Imagevia Smart Money People

Easy to use website and app, really helpful and genuinely friendly staff when I have had to contact them.

Emma Walker

Perfect bank

11:00 21-11-2017

Imagevia Smart Money People

Call centre staff speak perfect English, always have the answers, without having to wait. Banking is straightforward, low mortgage interest rates, no gimmicks, website easy to use.

Helen Piper

Excellent fast friendly and not-stuffy service.

20:13 20-11-2017

Imagevia Smart Money People

Excellent fast friendly and not-stuffy service, genuinely efficient and professional.

Bruce S.

Best bank I have ever been with

19:54 20-11-2017

Imagevia Smart Money People

Fantastic bank with amazing customer service. They answer the phone quickly and the customer service is straightforward and easy to deal with. Any problems I've had have been fully explained and dealt with efficiently and easily. I absolutely love this bank.

Tara Holtom

Great customer service and online security, good account terms

13:07 20-11-2017

Imagevia Smart Money People

Opened a 1st Account many years ago because it could be linked with other accounts such as a regular saver account and an offset mortgage

Fiona King

Personal service

11:56 20-11-2017

Imagevia Smart Money People

Fabulous company with real people who answer the phone efficiently and deal with any issues you might have effectively

ailsa sheldon

Great bank

18:56 19-11-2017

Imagevia Smart Money People

Always answer telephone quickly. Inspire confidence as staff are always knowledgeable and if they don't know they pass you on to somebody who does.

Mrs Nicholson

Our review of First Direct | Current Account

Written by: Alex
Our review by Alex

Although the first direct Current Account does come with a £10 fee, you won’t have to pay this for the first six months as long as you deposit at least £1,000 into your account, or keep a monthly average of £1,000 in your account. Even though you may have to pay the initial fee, you can still benefit from the added extras that first direct such as mobile phone insurance and 24 hour car breakdown. If you like to travel then it’s handy to know that you’ll also receive worldwide travel insurance and if you withdraw local currency from an overseas ATM you will pay reduced rates.

Switching to the first direct Current Account can also earn you a bonus sum of £100, as long as you have an income of at least £1,000 going to the account in the first three months. When you open the account you will most likely be granted an initial overdraft balance of £500 – the first £250 of this is fee-free. One thing to watch out for is that any balance over £250 is charged at an interest rate of 15.9% and if you slip over your allocated overdraft then you’ll incur a charge of £5 per day - which could quickly add up.

Looking online at reviews, first direct as a bank have been granted a disappointing rating of ‘bad’ from TrustPilot users. These reviews aren’t specific to their Current Account, but to all the products and services that first direct offer. Particular problems that customers have encountered are slow processing for applications, long call wait times and then being put on hold for lengthy periods of time – the last two are particularly inconvenient considering that first direct are solely online and telephone based.

Overall verdict: The first direct Current Account offers a great range of benefits, both financial and insurance-based. There is also the £100 incentive for switching to this account which is an attractive offering. Although there are ways to avoid the monthly fee for the first six months just beware that this account isn’t free.


  • Receive £100 for switching
  • £250 free of overdraft interest
  • Easy to use internet banking
  • Mobile banking app for both iPhone and Android
  • Travel insurance, breakdown cover and mobile insurance
  • Reduced foreign country ATM withdrawals

Minimum criteria

  • You must be over 18 years old
  • You need to have a telephone number
  • You must have an email address
  • No bankruptcy or IVA in the last 6 years

About First Direct | Current Account

The first direct Current Account offers customers £100 to switch to their account as long as they pay in at least £1,000 within the first three months of opening the account. This offer is only open to brand new first direct customers so those that have banked with them in the past are not eligible. For the first six months of opening the account there is no monthly fee, as long as you pay in or maintain an average monthly balance of at least £1,000, after this time the first direct Current Account costs £10 per month.

With the first direct Current Account customers can benefit from the first £250 of their overdraft being free of charge and thereafter it is charged at 15.9% EAR variable. Your overdraft limit will also be determined by first direct who will take into account the information that is provided during the application process, although an initial limit of £500 is provided to most customers at the time of opening the account.

Customers of the first direct Current Account can access their account and control their finances using internet banking, telephone banking, the first direct mobile app and text banking. As first direct is primarily online, cheques can be paid in at HSBC or Post Office branches. You are also eligible for extra services such as worldwide travel insurance, 24 hour motor breakdown, mobile insurance, and reduced rate foreign currency withdrawals when using an ATM overseas.