# first direct vs Fresh Cash UK

The clearest difference is update cadence: first direct at monthly against Fresh Cash UK's every 8 months. first direct also leads on ratings volume (2K vs 50). Fresh Cash UK's advantage is iOS requirement (9.1 vs 15.0). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.9 for first direct against 4.7 for Fresh Cash UK. That said, the two scores are not equally well evidenced: first direct has 2K ratings behind it against 50, so its average is the more settled of the two.

first direct ships an update monthly, Fresh Cash UK every 8 months. The most recent releases landed on November 1, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | first direct | Fresh Cash UK |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2K ratings)](https://appshunter.io/ios/app/first-direct/id405905004/reviews)** | [4.7 (50 ratings)](https://appshunter.io/ios/app/fresh-cash-uk/id930404355/reviews) |
| Number of ratings | **2K** | 50 |
| Positive reviews | 76.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 8 months |
| Monetization | Free | Free |
| Size | 271 MB | 22 MB |
| Requires iOS | 15.0 | **9.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [first direct](https://appshunter.io/developer/405905007) | [Rainbow UK Ltd](https://appshunter.io/developer/444982555) |

## 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- 💡 Outdated and basic design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


### Fresh Cash UK

[App page](https://appshunter.io/ios/app/fresh-cash-uk/id930404355)

This personal finance app simplifies applying for payday loans in the UK. It connects users with over 70 major lenders, allowing them to apply once and receive instant cash directly to their bank account if approved.  A built-in calculator helps estimate interest payments.

**Highlights:** Apply for payday loans UK, Connect with 70+ major lenders, Instant cash credited to bank account, Built-in loan interest calculator, PIN security for data protection, Assistance for bad credit history applications

**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 Fresh Cash UK free?

Fresh Cash UK is free to download, with no in-app purchases.

### Which has better reviews, first direct or Fresh Cash UK?

first direct is rated higher. first direct averages 4.9 out of 5 from 2K ratings, while Fresh Cash UK averages 4.7 from 50 ratings.

### Do first direct or Fresh Cash UK have ads?

Neither first direct nor Fresh Cash UK shows ads.

### Which is updated more often, first direct or Fresh Cash UK?

first direct ships an update monthly, and Fresh Cash UK every 8 months. Most recently, first direct was updated on November 1, 2026 and Fresh Cash UK on October 22, 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.*