Comparison

first direct vs CreditWindow

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in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.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

CreditWindow

Features
Read full description

CreditWindow helps you manage credit cards with clarity and confidence. Add your credit cards, set statement and payment dates, and clearly see your safe payment window to help avoid interest charges. The app provides simple tools for tracking credit utilization, monitoring due dates, and setting reminders, so you can stay organized and make informed decisions. CreditWindow does not provide financial advice and does not connect to banks or process payments. All data is entered manually and stored securely on your device. Optional subscriptions unlock additional features, but core functionality is available without purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://leonzhangit.github.io/CreditWindow-Policy/privacy.html

Screenshots

first direct4 screens
CreditWindow4 screens

Verdict

The call

The clearest difference is in-app purchases: first direct at none against CreditWindow's 2. first direct also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.6). CreditWindow's advantage is update cadence (every 2 days vs monthly). On price and ads 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. CreditWindow sells 2 in-app purchases, starting at $1.99 per month. first direct asks for nothing beyond the download.

UpkeepUpdate frequency

first direct ships an update monthly, CreditWindow every 2 days. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.

Scorecard4 real differences · 6 level
first direct versus CreditWindow: the parameters behind the verdict, then further details
Parameterfirst directCreditWindow
PriceFreeFree
Rating4.9 (2K ratings) — better—
Positive reviews76.6% of reviews—
Number of ratings2K — better—
Update frequencyMonthlyEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.6
Further details — not scored
Size254 MB2 MB
Age rating4+4+
Developerfirst directLEON HENDRY ZHANG

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

CreditWindow

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

first direct

No in-app purchases

2 purchases

CreditWindow

Subscriptions2
  • CreditWindow Pro7 Days trial$1.991 Month
  • CreditWindow Pro$14.991 Year

Questions

Is first direct free?
first direct is free to download, with no in-app purchases.
Is CreditWindow free?
CreditWindow is free to download, with in-app purchases available.
Do first direct or CreditWindow have ads?
Neither first direct nor CreditWindow shows ads.
Which is updated more often, first direct or CreditWindow?
first direct ships an update monthly, and CreditWindow every 2 days. Most recently, first direct was updated on September 24, 2026 and CreditWindow on September 10, 2026.

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