# first direct vs Collctiv

The clearest difference is rating: first direct at 4.9 against Collctiv's 4.3. first direct also leads on ratings volume (2K vs 190) and review sentiment (77% vs 66%). 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 4.3. That said, the two scores are not equally well evidenced: first direct has 2K ratings behind it against 190, 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 66% of Collctiv's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 27, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | first direct | Collctiv |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2K ratings)](https://appshunter.io/ios/app/first-direct/id405905004/reviews)** | [4.3 (190 ratings)](https://appshunter.io/ios/app/collctiv-group-payments/id1470931696/reviews) |
| Number of ratings | **2K** | 190 |
| Positive reviews | **76.6% of reviews** | 66.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 254 MB | 67 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [first direct](https://appshunter.io/developer/405905007) | [Collctiv Ltd](https://appshunter.io/developer/1466047543) |

## 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- 💡 Outdated and basic design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


### Collctiv

[App page](https://appshunter.io/ios/app/collctiv-group-payments/id1470931696)

Easily collect money from friends for group gifts, parties, or any shared expense. Avoid chasing payments and manage group funds effortlessly. Sign up for free and start pooling money in under a minute.

**Highlights:** Create money pools for group gifts, Collect money for parties and events, Gather messages for group cards, Track who has paid in real-time, Easy payment collection from friends, Manage ongoing group activities

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Seamless process
- 💡 Helpful for collections
- 🔒 Secure payments
- 🤝 Great customer service

**What reviewers complain about**

- 🔍 Lack of transparency on fees
- 🕰️ Slow withdrawal process
- 🔒 Strict ID verification requirements
- 💰 High withdrawal fees

**Reported bugs**

- Payment processing issues
- Account lockouts without clear reason
- Withdrawal errors

**Requested features**

- Option to pay fees instead of contributors
- Faster withdrawal timeline
- More flexible ID verification process
- Customizable donation amounts


## Frequently asked questions

### Is first direct free?

first direct is free to download, with no in-app purchases.

### Is Collctiv free?

Collctiv is free to download, with no in-app purchases.

### Which has better reviews, first direct or Collctiv?

first direct is rated higher. first direct averages 4.9 out of 5 from 2K ratings, while Collctiv averages 4.3 from 190 ratings.

### Do first direct or Collctiv have ads?

Neither first direct nor Collctiv shows ads.

### Which is updated more often, first direct or Collctiv?

first direct ships an update monthly, and Collctiv monthly. Most recently, first direct was updated on September 27, 2026 and Collctiv on September 23, 2026.

---

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