Huh?
Managing the different currency accounts is a mess on Revolut, I would also say.
But surely you can just keep it in GBP and spend fee-free? (I have no idea, I don’t use Revolut for card spending)
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Correct, just spend from GBP for the best rate.
Weekends come with a 1% markup on most currencies but other than when I went to Prague recently (because it was solely a weekend trip), I’ve never converted to a currency.
I don’t find it confusing in the app.
Balance and transactions on Home Screen, simple tap to view all transactions.
Transfers has a button at the bottom of the screen to send money.
Don’t really use any of the rest, if their Stays and Experiences was more competitive I’d probably utilise it, but even then it’s fairly simple.
User experience isn’t too far apart from monzo, just a different design.
HSBC UK, so I have kind have done the reverse of what the person that posed the question is doing. I was happy with the operations of the HSBC systems anyway and at the time FD didn’t have an equivalent to the online bonus saver, the credit card offered nothing so there was no real incentive to use it, and also all of the HSBC integration disappearing and never getting fixed was the icing on the cake to consider the parent company.
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Snap. It’s exactly what I did around a year back. Still have the FD account, but it’s dormant and I see no reason to go back from HSBC now.
Interesting ad in the FD app today I saw for the first time asking if there were any accessibility things FD could do to make my life easier through a digital self disclosure.
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Just got interrogated from FD for trying to send two payments to Tandem via open banking. The first one went but the second payment they blocked. Had to explain every transaction and credit into my FD since beginning of June, I understand why but what a faff.
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I get why they do it for outgoing but I’ve never understood why they ask about inbound aswell on that call, surely if they wanted to know where a payment come from they’d ask when it arrived and not when it’s being spent? Had the same thing with Barclays 2x, not too much of an inconvenience just a phone call same as you
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Had an account now for 1 year, as my regular saver has just matured. Don’t use the current account, and not sure it’s worth keeping for another regular saver. May look to switch somewhere for some cashback.
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How long does it take for the money to appear in the regular saver? Money has came out my account but not showing in the saver. Can you take money out the saver?
The catch with the First Direct Regular Saver is that you only get the headline rate if it matures, intact, after 12 months.
Here is what the First Direct FAQs state in response to Can I make a wihdrawals?
No, you can only withdraw your money after 12 months. You can access your money before then, but you’ll have to close the account. If you close your account before the 12-month period ends, we’ll only pay you interest at our standard Savings Account variable rate.
That currently stands at 2% AER, but is also variable.
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Thank you @PaulUK
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Cheeky £175 has just arrived on my account.
Handy since I’ve had a few accounts with FD and HSBC previously with the possible one or two incentives.
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How many transactions does one need to make on first direct for insights to work?
Only made a handful a few weeks back but they don’t seem to want to show/
Not sure but the whole insights set up is substandard. I really dislike that you have to manually assign a category to things and it doesn’t seem to remember that all future spend at that same place would also have the same category.
For example the canteen at work comes up as Misc. so I set it to eating out and then have to do that manually for each transaction there… Which is to much faff so gave up and left it
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It took for some reason a few days to start working, then they typically appear after they’ve cleared.
HSBC share this system and it’s my second biggest bug bear having to go back in each month and re-catagorise DD’s as bills.
The first one is not nbeing able to set transactions as not to count towards spend, i.e. when I transfer money between accounts I’d like to exclude it from total spend but you can’t
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Thinking of switching an old RBS account to First Direct, before I do does anyone know if you can rename savings accounts?
No you can’t. At least not in the app; I haven’t looked online.
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There was talks in the community about Pots style approach so they may potentially come with the ability to name them yourself
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Cheers both, might hold off for now then. 
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