Comparison

first direct vs My OnePay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

first direct

Manage your finances on the go with this intuitive mobile banking application. Easily check balances, view transactions, and transfer funds to friends and family. This app simplifies everyday money management, with more enhancements planned for the future.

Highlights
  • Check account balances
  • View transaction history
  • Pay family and friends
  • Simplified money management
  • Mobile banking convenience
Features
Read full description

Your everyday just got a whole lot easier. Even better banking has arrived. At the coffee shop, deciding if it’s a skinny soy latte or a cup of tea. In a taxi stuck in traffic, wondering how much you’ve saved for your trip to Machu Picchu. On a rollercoaster, planning the decorations for your dog’s third birthday party… Wherever you are, whatever you’re doing, our new and improved mobile app makes banking even simpler. From checking your balances and viewing transactions to paying family and friends, mobile banking takes all the hassle out of everyday money stuff. You can now do more than ever from the comfort of your own phone - and if that’s not exciting enough, this is just the start of our mini digital revolution, with loads more improvements on the way. So go on. Get yourself up to date. Update now >> • Free to use, but providers may charge for download and usage • Use in accordance with local laws and check charges if using abroad • Use in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

About

My OnePay

Manage your money on the go with this finance app. It offers features like payment notifications, money transfers, transaction tracking, and card management. Enhance your financial control with customizable security settings and instant card locking.

Highlights
  • Multi-language support
  • Payment notifications
  • Send money to UK accounts
  • Transaction tracking
  • Card lock/unlock
  • Contactless payment control
  • Biometric security
Features
Read full description

Take control of your finances with the ‘My OnePay’ App. Once your OnePay account has been approved, download the ‘My OnePay’ App to give yourself control over your finances and the ability to manage your money on the go. Key Features: • Select your preferred language, the ‘My OnePay’ is available in seven languages • Get notified when you receive a payment on your sort code & account number, unique to you • Send money to UK accounts or to another OnePay account • Spend online and approve your purchase directly in the app • Take comfort with a 360° view of your transactions and spending habits • Personalise the app to suit your needs and notification preferences • Get secure online by disabling ecommerce or overseas transactions • Lost your card, no problem – temporarily lock and unlock your card instantly • Get control over spending by enabling/disabling contactless payments with just one tap • Have peace of mind with the latest in biometric security, ensuring your account is kept safe and secure 24/7 The ’My OnePay’ App puts you in charge of your finances. Track your money on the go, enable security settings and make international money transfers simply and securely. Download for free today!

Screenshots

first direct4 screens
My OnePay4 screens

Verdict

The call

The clearest difference is review sentiment: first direct at 77% against My OnePay's 13%. first direct also leads on rating (4.9 vs 3.0) and ratings volume (2K vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

first direct holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: first direct has 2K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 77% of first direct's written reviews are positive against 13% of My OnePay's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 16, 2026 and October 8, 2026 respectively.

Scorecard3 real differences · 7 level
first direct versus My OnePay: the parameters behind the verdict, then further details
Parameterfirst directMy OnePay
PriceFreeFree
Rating4.9 (2K ratings) — better3.0 (1 ratings)
Positive reviews76.5% of reviews — better12.5% of reviews
Number of ratings2K — better1
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size271 MB40 MB
Age rating4+4+
Developerfirst directPaneleven Ltd

Customer experience

first direct

All ratings1,964 ratings
Positive97.3%
Neutral1.0%
Negative1.7%
Written reviews996 reviews
Positive76.5%
Neutral5.0%
Negative18.5%

My OnePay

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%
Written reviews24 reviews
Positive12.5%
Neutral4.2%
Negative83.3%

Bugs and requests

first direct

Reported bugs

4 issues
  • App freezing and crashing
  • Issues with cheque deposit functionality
  • Problems with multi-device authentication
  • Inconsistent behavior when updating payee details

Requested features

5 requests
  • Dark mode option
  • Improved transaction history and insights
  • Ability to edit scheduled payments and payees
  • Streamlined payment flow
  • Better categorization and budgeting tools

My OnePay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

first direct

No in-app purchases

None

My OnePay

No in-app purchases

Questions

Is first direct free?
first direct is free to download, with no in-app purchases.
Is My OnePay free?
My OnePay is free to download, with no in-app purchases.
Which has better reviews, first direct or My OnePay?
first direct is rated higher. first direct averages 4.9 out of 5 from 2K ratings, while My OnePay averages 3.0 from 1 ratings.
Do first direct or My OnePay have ads?
Neither first direct nor My OnePay shows ads.
Which is updated more often, first direct or My OnePay?
first direct ships an update monthly, and My OnePay monthly. Most recently, first direct was updated on October 16, 2026 and My OnePay on October 8, 2026.

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