This is a must.
These show under pending transactions.
It’s odd though as when connected via open banking, it shows the available balance to spend, but the app home screen as above, shows account balance.
Can’t imagine it’s a chore to swap these around, but I’m far from techy 
I know this is a serious nit-pick comment, but that isn’t exactly what Monzo and many other banks do. It’s actually more like “treat all pending transactions as immediately cleared even if not”. This is because Mastercard and Visa operate in such a way as to have a two-stage process where spending is first authorised and then, later, processed and settled. Because the vast majority of authorisations go on to be settled it makes sense to do this - but HSBC do still show the pending transactions on the account with both First Direct and HSBC itself.
Yes, although the account page shows all the balances including available. I agree that the headline figure on the account list should be available balance though, to be more consistent with other banks. Otherwise they risk serious customer confusion!
I know, for me this is a really important function an app should do though. Until FD implement it (if) I probably wont re-join
Makes sense.
I just wanted to point out, in the spirit of fairness to First Direct, that they weren’t actually doing anything “wrong”, technically.
It’s still annoying if it’s not consistent with other banks, though, and I think the ship has sailed on the main balance now being the available (including pending) one at every bank really - it’s become the expected standard.
Was there some regulation on how this needed to be displayed?
I know the banks were advised to adjust the balances to reflect the customers actual available money ie removing the overdraft from their available balance as it’s not clear or transparent what the customers own money is.
Monzo do this really well in the fact they don’t openly have the overdraft visible until you’ve entered it. This is how I would expect full transparency of your own money, before using the banks.
Wonder if a complaint to FD would bring it to their attention.
Oh I know but in simple terms it’s a feature that I would want. FWIW I’ve always had a soft spot for FD, but as someone who values app functionality over other things, they’re behind the curve too much
I might be wrong here, but I seem to remember there was a change in the law which prohibited banks from including an overdraft in the available balance figure. However, that didn’t include a requirement to make available balance the default balance.
Shortly after that, many banks decided to make the available balance figure the default as it became a simple “account cleared balance minus pending transactions” sum, whereas previously it was that plus any overdraft on the customer’s account which was very confusing to people and the concern was that it “encouraged” people to use their overdraft and treat it as part of their funds.
This is what I remember, only vaguely though 
feels like a lifetime ago, but don’t think it was actually too long ago?
I think it was like January 2018?
Just to update this thread for information: the First Direct app now works on iOS 16 (finally)!
They’re watching 
.
Not sure if this was there before, but since the latest app update, the “What’s New” area, under Help, Discover seems to have been updated.
The “What’s Next” tab now has a Budgets section. I remember Insights, Spending and Push Notifications mentioned before, but not Budgets. It might just be me though! 
Oh exciting, new features mentioned in the “What’s New” section - but not actual new features!
Still only showing as push notifications coming next on android 
To add, do you now get spend notifications in/out, or was budgets in addition to the other things you mentioned?
Notifications are (and have been for ages) in the “coming soon” section.
No evidence of them coming, although the OS permission for them is there - for chat use only so far.
Same here for Android.
So under What’s New I’ve got: Tags, Add your card to Apple Pay, and Restrict your card for gambling transactions
Then under What’s Next I’ve got: Insights, Spending, Budgets and Push Notifications
This is the thing that really irk’s me about calling it “what’s next” (not you, them 
) is that it’s super easy to be totally non comittal.
Those things have been “coming soon” for quite some time now
