I've banked with first direct for a couple of years now. I have a current account and a couple of joint savings accounts. I've found the usefulness of being able to click on to the website every day and check what my balances are, really, really helpful. I know exactly what I've paid in and out of the account every day. When I've needed to speak to first direct and I've given them a bell, they've always been really responsive, always made sure that if I've needed something to be paid instantly they've sorted that out for me. The joint savings accounts, again I can check where I am with the interest that gets paid into that every month, which is really helpful. Yeah, I thoroughly recommend first direct.