First Direct Feedback

First Direct phone customer service is fast and pretty good. Their website is not great, their app ok. They use one of those pin generation physical devices, but it is specific to the person, so if you loose it, or need to do something at work, you can’t borrow someone elses and put your card in and generate a code, which is really annoying. They have a 5% £300 p/m regular saver, but if you make a withdrawal you loose the interest. I still have an account open for that, but my salary now goes into Monzo.

I much preferred Nationwide. Their website wasn’t amazing but was fine, their 5% £250 p/m saver didn’t penalise you for withdrawals. And they are less questionable eithically than HSBC, who own First Direct: