# first direct vs My OnePay

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.

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

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.

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

## The numbers

| Metric | first direct | My OnePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2K ratings)](https://appshunter.io/ios/app/first-direct/id405905004/reviews)** | [3.0 (1 ratings)](https://appshunter.io/ios/app/my-onepay/id1461661715/reviews) |
| Number of ratings | **2K** | 1 |
| Positive reviews | **76.5% of reviews** | 12.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 271 MB | 40 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [first direct](https://appshunter.io/developer/405905007) | [Paneleven Ltd](https://appshunter.io/developer/834258412) |

## What reviewers say

### first direct

[App page](https://appshunter.io/ios/app/first-direct/id405905004)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and accurate
- 🔒 Excellent security
- 💡 Helpful customer service
- 👍 Consistent and reliable

**What reviewers complain about**

- 🐛 Occasional app crashes
- 🔒 Overly complex security measures
- 💡 Outdated and basic design
- 🔒 Frustrating authentication process
- 🐛 Buggy cheque deposit feature

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/my-onepay/id1461661715)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*