To you. To their main customer base (which isn’t FinTech) it’s great. I think it is a nice look and feel overall, actually having moved there from Monzo I was surprised just how little I actually missed.
I only moved on because HSBC cards are nice, notifications (the one thing I did actually miss) and bringing it all under one roof. I know technically with FD it would’ve been
This. R-
If you reset your phone knowingly, just go into the app and deactivate it yourself first and then when reinstalling you can do it all yourself.
Aye I made that mistake once 
never again.
I called first direct today to open a savings account (no option in app or online). Cue a 15 minute call asking me to confirm my employment details again, income and reading out a huge load of spiel to me.
Opened a credit card in app, but had to chat to a member of staff to do the balance transfer as that can only be done manually by them.
Can imagine there is huge potential for efficiencies if they can digitalise some of these processes.
According to some here, having all the terms read out to you equals the best telephone banking experience you can get.
Nothing on earth would convince me to use fd’s current account ever again.
I dunno if something has changed as I never had to do that when I had a savings account with them years ago.
Phoning up to resolve a problem and they’re great, but I wouldn’t want to go through this to open a new product. And am sure I never had to 
At one point, FD might have agreed with this and they seemed to be making moves to do so. But this was before HSBC realised it’d rather have those customers and leave the “cuppa and a chat” customers to FD.
Im actually not really regretting moving from FD, it has still (to me anyway) one of the nicest looking apps and is super simple. But perhaps too much so.
HSBC seem to have struck the right balance, for me anyway.
I have only kept mine for access to the Regular Saver, when competitive, which it currently is at 7%
That’s the only money that goes through the account.
So much so, that when I didn’t have a RS with them, the CRAs noted my account as dormant!
I was confused by this as well
Mine also began Hi JohnSmith_123, so it looks like they sent the same to everybody.
I got both!
At one point I might have done that, but unlike the HSBC one’s where you do at least get some feedback the FD ones just vanish into a black hole
Surprised to see my mention in the email following a suggestion about being able to apply for overdraft limit changes via the app!
I mean it made me smile, but I’m quite surprised that they chose that over other potential improvements that would probably have a much bigger impact!
Same here, it started a conversation at work to whether John Smith’s is still a beer that can be bought. 
They’re still about!
John Smith’s beer is still quite common in pubs.
FD call all their customers John Smith a bit like the US Joe Schmoe ie Joe Anyone
