# FNB vs My GBT

The clearest difference is ads: FNB at none against My GBT's shown. FNB also leads on monetization model (free vs free with in-app purchases) and review sentiment (100% vs 80%). My GBT's advantage is ratings volume (1.3K vs 2) and update cadence (every 2 months vs every 13 months). 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.

FNB holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: My GBT has 1.3K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 100% of FNB's written reviews are positive against 80% of My GBT's.

FNB ships an update every 13 months, My GBT every 2 months. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | FNB | My GBT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/fnb/id1012052722/reviews)** | [4.8 (1.3K ratings)](https://appshunter.io/ios/app/my-gbt/id1616670530/reviews) |
| Number of ratings | 2 | **1.3K** |
| Positive reviews | **100.0% of reviews** | 79.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 13 months | **Every 2 months** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 40 MB | 91 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [FNB Oxford Bank](https://appshunter.io/developer/590164556) | [Guaranty Bank & Trust Co.](https://appshunter.io/developer/475517279) |

## What reviewers say

### FNB

[App page](https://appshunter.io/ios/app/fnb/id1012052722)

Manage your bank accounts securely on the go. Easily pay bills, transfer funds, deposit checks, and control your debit card. Find branches and ATMs, and access customer service.

**Highlights:** Pay bills and friends, Turn debit card on/off, Deposit checks, View account balances and transactions, Transfer funds, Locate branches and ATMs

**In-app purchases:** none


### My GBT

[App page](https://appshunter.io/ios/app/my-gbt/id1616670530)

Manage your finances on the go with a secure and convenient mobile banking app. Check balances, deposit checks, pay bills, and transfer funds easily. Access branch information and communicate with bank staff directly.

**Highlights:** Check balances 24/7, Deposit checks, Pay bills, Transfer funds, Secure messaging, Tap to Pay, Branch locator

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 👍 User-friendly interface
- 👍 Convenient access to information
- 👍 Great new features
- 👍 Time saver

**What reviewers complain about**

- 🐛 Constant refreshing required
- 🐛 Frequent logouts
- 🐛 Mobile deposit issues
- 🐛 Not user-friendly for transfers on iPhone
- 🐛 App is not efficient

**Reported bugs**

- App requires constant refreshing
- App logs users out frequently
- Mobile deposit functionality is problematic
- Check deposit image acceptance not clearly indicated
- Issues with viewing check deposits online

**Requested features**

- Frame snap for mobile deposits
- Dark mode option
- Ability to lock card


## Frequently asked questions

### Is FNB free?

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

### Is My GBT free?

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

### Which has better reviews, FNB or My GBT?

FNB is rated higher. FNB averages 5.0 out of 5 from 2 ratings, while My GBT averages 4.8 from 1.3K ratings.

### Do FNB or My GBT have ads?

My GBT shows ads; FNB does not.

### Which is updated more often, FNB or My GBT?

FNB ships an update every 13 months, and My GBT every 2 months. Most recently, FNB was updated on October 24, 2026 and My GBT on October 23, 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.*