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  • FIRST POST
    • teezie
    • By teezie 2nd Mar 17, 8:38 PM
    • 39Posts
    • 5Thanks
    teezie
    First Direct online banking system
    • #1
    • 2nd Mar 17, 8:38 PM
    First Direct online banking system 2nd Mar 17 at 8:38 PM
    I'm looking to swap from HSBC, because I simply cannot deal with the pathetic excuse for their internet banking/app any longer. Was looking at First Direct but as they're apparently part of HSBC, I was wondering if their internet banking is the same?
Page 1
    • Archi Bald
    • By Archi Bald 2nd Mar 17, 9:27 PM
    • 9,353 Posts
    • 7,417 Thanks
    Archi Bald
    • #2
    • 2nd Mar 17, 9:27 PM
    • #2
    • 2nd Mar 17, 9:27 PM
    Internet banking is about a decade behind HSBC's internet banking. It does everything you need to do, though. The app is similar to HSBC's.

    Personally, I wouldn't select my current account solely by the functionality of the online banking and the app. If that's your main criteria though you might find Nationwide, Santander, Tesco and LBG (Lloyds, Halifax, BOS) more appealing.
    • Vortigern
    • By Vortigern 2nd Mar 17, 10:21 PM
    • 2,310 Posts
    • 1,515 Thanks
    Vortigern
    • #3
    • 2nd Mar 17, 10:21 PM
    • #3
    • 2nd Mar 17, 10:21 PM
    I prefer first direct's internet banking to HSBC's latest effort. Possibly because I've used the former longer than I've been with HSBC.

    First direct's is a fairly basic but functional interface. A plus point is that you don't need to use the security device every time you log on.
    • alanq
    • By alanq 3rd Mar 17, 12:51 AM
    • 3,856 Posts
    • 2,478 Thanks
    alanq
    • #4
    • 3rd Mar 17, 12:51 AM
    • #4
    • 3rd Mar 17, 12:51 AM
    Was looking at First Direct but as they're apparently part of HSBC, I was wondering if their internet banking is the same?
    Originally posted by teezie
    A demonstration of First Direct Online Banking can be found here.

    http://www3.firstdirect.com/demos/ibdemo/log_on_screen1.shtml
    I'm a Board Guide on the Budgeting and Bank Accounts, Savings & Investments, Food Shopping and Over 50s MoneySaving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert .com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    • Jlawson118
    • By Jlawson118 3rd Mar 17, 11:43 AM
    • 829 Posts
    • 109 Thanks
    Jlawson118
    • #5
    • 3rd Mar 17, 11:43 AM
    • #5
    • 3rd Mar 17, 11:43 AM
    I switched from HSBC to First Direct a good few years ago and their internet banking is pretty much just the same as HSBC's, but the colour scheme is more black and white to match FD's colour scheme and that's the only difference.

    Oh and I think HSBC have introduced the fast balance now? I keep seeing it advertising on the TV, First direct haven't introduced that just yet
    • Doctor Duke
    • By Doctor Duke 3rd Mar 17, 6:00 PM
    • 302 Posts
    • 134 Thanks
    Doctor Duke
    • #6
    • 3rd Mar 17, 6:00 PM
    • #6
    • 3rd Mar 17, 6:00 PM
    Having had both HSBC Advance and First Direct I would say FD has the better mobile app for the simple reason that you can now setup new payees within the app. Sure many other banks allow this and more but this function alone differentiates HSBC/FD. I do prefer First Direct on balance but neither are hardly leading in the retail banking sector.
    • teezie
    • By teezie 4th Mar 17, 3:15 PM
    • 39 Posts
    • 5 Thanks
    teezie
    • #7
    • 4th Mar 17, 3:15 PM
    • #7
    • 4th Mar 17, 3:15 PM

    Oh and I think HSBC have introduced the fast balance now? I keep seeing it advertising on the TV, First direct haven't introduced that just yet
    Originally posted by Jlawson118
    Fast balance has been around for a good while with HSBC, in fact they've just updated it so you can select which accounts you see in your fast balance, no longer just your current account

    Having had both HSBC Advance and First Direct I would say FD has the better mobile app for the simple reason that you can now setup new payees within the app. Sure many other banks allow this and more but this function alone differentiates HSBC/FD..
    Originally posted by Doctor Duke
    I thought you could do this now, but it's the same faff with the secure key, which became even more faff once I moved to the digital secure key (which I stupidly thought would be less hassle).

    I might have to look elsewhere I guess, internet banking is an important factor as I'd say I do 99.9% of my yearly banking online, via my phone where ever possible. I have the Halifax app for my credit card and savings and that app is so much more user friendly
    Last edited by teezie; 04-03-2017 at 3:18 PM. Reason: adding
    • theburningcat
    • By theburningcat 5th Mar 17, 11:32 AM
    • 186 Posts
    • 52 Thanks
    theburningcat
    • #8
    • 5th Mar 17, 11:32 AM
    • #8
    • 5th Mar 17, 11:32 AM
    FD's internet banking is old and fugly but it does everything it needs to do and there aren't many odd quirks. The app is more modern.
    • Andrew Ryan 89
    • By Andrew Ryan 89 5th Mar 17, 2:31 PM
    • 503 Posts
    • 283 Thanks
    Andrew Ryan 89
    • #9
    • 5th Mar 17, 2:31 PM
    • #9
    • 5th Mar 17, 2:31 PM
    First Direct is terrible and ugly. Most of the banking apps are but they are probably the worst I have come across. I also hate the fact you have to use a key reader to do transactions.

    So far the best online banking I have come across is Tesco and Lloyd's (both app and website but especially the app).

    Metro Bank have improved significantly but it still takes 15 minutes to 2 hours for a transaction to go through.
    • mt99
    • By mt99 6th Mar 17, 12:26 PM
    • 453 Posts
    • 218 Thanks
    mt99
    When it comes to authorising certain transactions for example setting up a new payee there are basically two ways of doing it

    Lloyds Tesco etc send a one time pin to your phone

    First direct Nationwide etc ask you to use a card reader

    I suppose it depends on your personal preference which of these you find more to your liking.

    From a security point of view I would suspect the phone is slightly weaker because if you lose your phone then the person who finds it can have access to the pins sent by the bank but of course they would still need to be able to log on first
    • SouthLondonUser
    • By SouthLondonUser 6th Mar 17, 4:21 PM
    • 336 Posts
    • 49 Thanks
    SouthLondonUser
    First direct was one of the first banks to let you use a digital token on the mobile , ie an app to authenticate, without the need to carry around a bulky thingy or card reader. This was one of the main reasons for my opening an account with them. This, and the fact that they have decent interest-only offset mortgages.
    The app and the websites are ugly and decades behind what is available in continental Europe, but this is common of all British banks.
    • mrsammyp
    • By mrsammyp 11th Mar 17, 5:04 PM
    • 153 Posts
    • 75 Thanks
    mrsammyp
    The FD mobile app has come a long way in the last 12-18 months and is now quite easy to use. I find the telephone banking very good and being able to talk to somebody that is based in the UK is great.

    There are definitely better mobile apps out there but in comparison to HSBC, FD seems to have the better one.
    • TheEffect
    • By TheEffect 11th Mar 17, 7:20 PM
    • 2,230 Posts
    • 1,753 Thanks
    TheEffect
    HSBC are discontinuing their app and releasing a new one in a few months.

    What that looks like is yet to be seen, however my guess is they use FD's app with a different colour scheme.

    • Weybridge78
    • By Weybridge78 19th Mar 17, 9:42 PM
    • 89 Posts
    • 29 Thanks
    Weybridge78
    FD online banking far better than HSBC. App also very good for FD especially recent addition of payments to new people/companies.
    • firefox1956
    • By firefox1956 20th Mar 17, 8:44 AM
    • 1,337 Posts
    • 758 Thanks
    firefox1956
    First Direct also do First Direct Plus.....an account aggregator where you can see all your other bank accounts with one login.
    HTH
    • xylophone
    • By xylophone 20th Mar 17, 6:22 PM
    • 23,426 Posts
    • 13,622 Thanks
    xylophone
    FD's internet banking is old and fugly
    Fiddly and ugly?

    First Direct is terrible and ugly.
    Tugly?
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