I set up an account recently and then attempted to switch from my old co op account. Impossible! First of all when I tried to convert my account from sole to joint I was told 'no problem we can do it over the phone' and then when attempting this I was told we have to set up a whole new account jointly. Life's too short. A week later I tried again via the app which said to call if I want to switch from my joint account with co op to sole acc with FD. NOOO can't do that either. So realising they are as useless as my previous bank I told them to close account as I now have no intention of using them. Of course they said they couldn't do that either. You really couldn't make it up! So don't be fooled by these 'best bank' reviews. They really are completely useless. I'll stick with Co op. That's how bad First Direct are. Goodbye.