I chose to switch my old account from a bank I was with for 20+ years, the incentive was good and I had heard good things about First Direct. I have always been a bit wary about switching bank accounts. From the first day I was impressed. I had to phone to iron a problem out (nothing to do with First Direct bank). The guy was very understanding and put my mind at rest. The switch was seamless. Everything I need from a bank. Great!