First Direct are supposedly great on customer service and I can only assume they paid someone a lot of money for this myth. I used my FD Gold credit card to book a hotel in Spain that cost a total of £1513. For this, FD have charged me £12 for going £13 over my agreed £1500 credit limit and a further £45 sterling to Euros conversion fee. Firstly, the transaction should have been rejected if my £1500 limit was broken and secondly the £45 conversion to Euro fee is just a blatant rip off. The reason for FD gave me for "allowing" the over agreed transaction was "to save me potential embarrassment", I wont be embarrassed, I'd choose another payment method ! and the extortionate £45 sterling to Euros fee, of course they've hidden behind the usual small print. Anyway, If their customer service was good, they'd have warned me at point of transaction about all these fees. If their customer service was great, they'd have contacted me to advise me to use my Halifax Clarity card, which would have attracted no fees for this transaction whatsoever. If their customer service was 5 star, they wouldn't charge £12 for going £13 over my agreed limit and £45 for the to 2 seconds it takes to convert Sterling to Euros. Predictably for a bank, the name of the game is their profits and implementing charges hidden in small print that no one reads. But please don't try and sell yourself on the customer service because you're no better than most banks and a lot worse than quite a few !!