Since its founding in 1989, first direct has been at the forefront of innovation in the banking world. It launched the first Internet banking service in 2000 and in 2006 launched a mobile phone banking service, predating the invention of modern apps. Given its intriguing history with technological innovation, you’d think that first direct would be a major player in the mobile banking world. To see whether it is or not, we’ve had a look at its mobile banking app.
If you’re not a first direct customer, have a read of our other app reviews to find a banking app better suited to your needs.
To use the app, you need to be a first direct customer and have set up telephone security. If you aren’t registered, you can register by downloading the app and following the on-screen instructions. The app can link up to any first direct current or savings account of your choosing, allowing you to see balances and transactions for each account. You can also use the app to do the following:
The easiest way to apply to open a new account with first direct is to go online. Go to the first direct website to open a sole or joint account, open a second account or switch your existing account to first direct.
In contrast to other banking apps, first direct’s app doesn’t offer a budgeting tool. However, the bank is planning to launch a second app entitled artha, which brings all of the user’s bank account details together in one place. Echoing Santander’s Wallet app, it’ll analyse users’ spending patterns and trends, suggesting ways for users to potentially save money, for example by changing energy provider.
The Financial Services Compensation Scheme (FSCS) is an independent statutory fund set up to safeguard consumer finances in the event of a bank being unable to meet its payment demands. first direct has full FSCS protection, which provides compensation for the loss of up to £85,000 – as is the standard for UK bank accounts.
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