# first direct vs Bip

The clearest difference is ads: first direct at none against Bip's shown. first direct also leads on rating (4.9 vs 4.4) and review sentiment (77% vs 49%). Bip's advantage is update cadence (weekly vs monthly). On price, in-app purchases, device support and iOS requirement 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 4.4. That said, the two scores are not equally well evidenced: first direct has 2K ratings behind it against 7, 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 49% of Bip's.

first direct ships an update monthly, Bip weekly. Both last shipped on October 29, 2026.

## The numbers

| Metric | first direct | Bip |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2K ratings)](https://appshunter.io/ios/app/first-direct/id405905004/reviews)** | [4.4 (7 ratings)](https://appshunter.io/ios/app/bip-simple-cardless-credit/id1541023957/reviews) |
| Number of ratings | **2K** | 7 |
| Positive reviews | **76.5% of reviews** | 49.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 271 MB | 183 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [first direct](https://appshunter.io/developer/405905007) | [NewDay Ltd](https://appshunter.io/developer/903335384) |

## 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- 💡 Outdated and basic design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


### Bip

[App page](https://appshunter.io/ios/app/bip-simple-cardless-credit/id1541023957)

This app offers cardless credit with no hidden fees, allowing users to manage their spending and finances easily. It provides features like spending caps, instant balance updates, and 24/7 support for a secure and controlled financial experience.

**Highlights:** Cardless credit access, Spending caps and control, Instant balance updates, No hidden fees, 24/7 in-app support, Boosted payment options, Safe and secure payments

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is first direct free?

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

### Is Bip free?

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

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

first direct is rated higher. first direct averages 4.9 out of 5 from 2K ratings, while Bip averages 4.4 from 7 ratings.

### Do first direct or Bip have ads?

Bip shows ads; first direct does not.

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

first direct ships an update monthly, and Bip weekly. Most recently, first direct was updated on October 29, 2026 and Bip on October 29, 2026.

---

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