first direct vs Collctiv

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in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

Organise your friends like a boss - never again be left out of pocket for your group! When you’re the one who puts in all the hard work of planning everyone’s social life, why should you have to be left holding the bill? Collctiv is the quickest and easiest way to pool money with your friends. Tasked with getting the perfect group gift for a colleague? Planning the hen or stag party of a lifetime? Are you the one who sorts out the weekly sporty get-together? Need to get money from everyone to be able to book those tickets? Why should you have to pay out for the group and then spend the rest of your life chasing people for the money back?? It may just be the odd tenner here or there to your friends (yes, Dave, I’m talking to you), but when everyone from every area of your life owes you a tenner, you’re out by a few hundred quid. And we are not ok with that. Sign up for free, create a money pool and begin collecting money from your friends in less than 60 seconds. MONEY POOLS FOR GROUP GIFTS Say goodbye to the jingle of useless coins in a brown paper envelope and hello to quickly and easily getting money from everyone involved in the group gift. Even if you are still in the same office/location as the other people, you don't want them emptying their wallets into your hands just so you can spend ages totting up that £13.74 for someone's retirement gift. Cash is dead, long live digital money. And because it's so easy for everyone to chip in to the gift pool - they don't have to do any banking or even download an app - you should find you'll get more money than you would normally. Ker-ching. COLLECT MONEY AND MESSAGES Halve your job list by getting those messages for the group's card at the same time as their payments. You're very welcome. MONEY POOLS FOR EVERYTHING It’s a truth universally acknowledged that every group of friends is in want of an Organiser… Quotes from 300-year-old books aside, you know you’re an Organiser when you find yourself volunteering to research destinations for that group holiday (even though no one asked), or when you’ve already got 4 amazing ideas for your Dad’s birthday present (which isn’t for another 9 months). The good news is, Collctiv can be used to collect money upfront from any group of people, for any group booking or purchase. So you can relax and get back to your spreadsheets in peace, knowing the money’s taken care of. KNOW WHO’S IN There’s nothing more infuriating than trying to plan or book something for your group and having 20,000 back and forths in WhatsApp just to determine who’s actually chipping into the money pool. Get your mates to put their money where their mouths are - it’s so easy to pay, they’ve got no excuse. REAL-TIME KITTY* Need to collect for an ongoing group activity like a sports team? You’ll love our real-time balance updates as people pay into your money pool, and as you withdraw. Easily see how much is in the pot, how much you’ve ever collected, and a list of all the transactions. *Disclaimer: actual live kitties not included. PAYMENT LINKS AND QR CODES We know there’s always (at least) one person (Dave) in your group of friends who never pays up or always promises to pay you in pints. Well, Dave just about owes you a brewery by now, so stop letting him get away with it! We’ve made it beyond easy for Dave to pay upfront, so he really has no excuse. When you create a money pool, it autogenerates a unique payment link that you can share straight into WhatsApp or text or wherever. All Dave has to do is tap and pay - no app download, no account set up, no banking, no excuse. And if Dave turns up to that gig you paid for apologising that he forgot, your money pool also has a unique QR code - all Dave has to do is scan it and pay you there and then. Sorry, Dave! The game’s up. Collctiv uses bank-level SSL encryption to protect your data and payments. We use 3D secure on all payments to protect you and your friends.