I chose fd when switching my current account from nationwide .. I followed the instructions to the letter and I also opened a savings account The app was a nightmare to set up on the phone..it took almost a hour the security is way over the top. I called today to ask why the promised £175 bonus had not been paid. I was told that it was time barred..I fulfilled the many conditions going to great lengths setting it up. Now 70 yrs old, no easy task. End result, I'm cancelling both acs having wasted 3 months I AM LIVID!! their offer is one big Con!! 0 from 10 marks