A new challenger bank has launched in the UK today, but any money saved with it isn't covered by the Financial Services Compensation Scheme (FSCS) protection, so how good is it?
Santander customers with its 123 current account will have to fork out more for the account from 11 January 2016, while the bank is also upping the fee on its 123 credit card and capping the amount of cashback new card holders can earn.
First Direct's current account customers have given its service glowing feedback in our latest banking poll with more than 90% rating it 'great', so there's no surprise it's yet again held on to the top spot.