FirstMobile App vs OPay Business
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FirstMobile App
This official mobile banking app offers convenient access to financial and non-financial transactions for account holders. It features a DIY enrollment process, allowing new customers to open accounts and existing customers to register without visiting a branch.
- Financial transactions
- Non-financial transactions
- DIY enrollment
- Open new accounts
- Register existing accounts
- Digital banking experience
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FirstMobile is the official mobile banking smartphone application from FirstBank. It provides FirstBank account holders with convenient access to both financial and non-financial transactions via their mobile phones/devices. The App is sleek and convenient to use- evident in its DIY enrolment process. New customers can simply download the app and open a FirstBank account while existing customers with Verve or Naira Mastercards can register and begin using the app without cause to visit a physical branch location. FirstMobile is poised to offer an even more reliable and definitely more convenient digital banking experience with its latest version update.
OPay Business
This app helps businesses manage payments, employees, and bills. It offers various collection methods, POS management, and access to over 200 billers for airtime, data, and utilities. Take your business to the next level with secure, profitable, and efficient financial services.
- Omnichannel payment collection
- Employee and store management
- POS application and management
- Downloadable statements and reports
- Access to 200+ billers
- Unique account for transfers
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OPay is a well-known and leading financial service company in Nigeria with 40 million+ users who trust, rely on, and use the platform. OPay consistently adheres to its mission which is "make financial services more inclusive through technology" and keeps advancing its infrastructure and product to provide services that are "Beyond Banking" in Nigeria. OPay Business App addresses the retail needs for all kinds of business providing omnichannel collection methods, employee & store management, bill payments, and other excellent features to make your business secure, profitable, and more efficient. With the OPay Business App, you can: • Collect payments in any way you want • Get a unique account for receiving transfers • Apply for and manage your OPay POS easily • Manage your branches and employees in one app • Download statements and reports that bring insight to your business • Access to over 200 billers…airtime, data, utilities and more Take your business to the next level with OPay Business. Contact us We have a dedicated support team available 24/7 for all your questions and complaints. Helplines: 07008888329 Website: https://opayweb.com/merchants/ Facebook: @OPay agents
Screenshots
Verdict
The clearest difference is rating: OPay Business at 3.6 against FirstMobile App's 3.1. OPay Business also leads on update cadence (every 2 weeks vs every 2 months) and chart position (#87 vs unranked). On price, review sentiment, ratings volume 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
OPay Business holds the better App Store score, 3.6 against 3.1. Both are backed by a comparable volume of ratings — 2K and 857 respectively. Written reviews point the same way: 15% of FirstMobile App's written reviews are positive against 22% of OPay Business's.
FirstMobile App ships an update every 2 months, OPay Business every 2 weeks. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.
| Parameter | FirstMobile App | OPay Business |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (2K ratings) | 3.6 (857 ratings) — better |
| Positive reviews | 14.9% of reviews | 21.6% of reviews — better |
| Number of ratings | 2K — better | 857 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | — | #87 — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 119 MB | 105 MB |
| Age rating | 4+ | 17+ |
| Developer | First Bank of Nigeria Limited | OPay Digital Services Pte.Ltd. |
Customer experience
FirstMobile App
OPay Business
User reviews
FirstMobile App
From 2K App Store ratingsWhat we love
- 👍 Excellent features
- 👍 Easy to navigate
- 👍 Secure
- 👍 Reliable
- 👍 Convenient
Room to improve
- 🐛 Frequent crashes
- 🐛 Freezing issues
- 🐛 Slow performance
- 🐛 Network connection problems
- 🐛 Buggy after updates
OPay Business
From 857 App Store ratingsWhat we love
- 👍 Good app functionality overall
- 💡 Bill payment feature requested and appreciated
Room to improve
- 🐛 Missing loan icon in updated version
- 🐛 Transaction history not displaying properly
- 🐛 Sub-account creation failing on iPhone
- 🐛 Sub-account withdrawal not working on iPhone
- 🐛 Business account transfer features removed for Apple users
Bugs and requests
FirstMobile App
Reported bugs
5 issues- Unable to log in after update
- Blank screen when selecting account to debit
- Inconsistent behavior on different devices
- OTP not received during login
- Virtual card services not working properly
Requested features
7 requests- Add Face ID/fingerprint login
- Introduce theme options (dark/light mode)
- Improve account statement history
- Enable e-statement generation
- Add bulk transfer functionality
Show 2 moreShow fewer
- Provide more login options beyond ATM card
- Improve beneficiary management
OPay Business
Reported bugs
18 issues- Loan icon missing from updated app
- Transaction history not showing previous transactions
- Sub-account creation failing on iPhone
- Sub-account withdrawal not working on iPhone
- Business account transfer features unavailable for iOS users
Show 13 moreShow fewer
- Airtime and data purchase not functioning
- Bill payment features not working
- App displaying 'Coming Soon' for multiple features
- Account freezing without clear resolution
- Upgrade prompt appearing with no available update in App Store
- Accept large transfer stuck on iOS
- Nigeria phone number registration not supported
- OTP delivery only via SMS, email option missing
- Money stuck in accounts with no withdrawal option
- Account balance discrepancies
- App crashing or not opening
- Version mismatch (v2 vs v3) on fresh installations
- Restricted accounts unable to perform transactions
Requested features
13 requests- Restore loan icon functionality
- Display complete transaction history with totals
- Add bill payment capability
- Restore airtime and data purchase functionality
- Restore electricity bill payment
Show 8 moreShow fewer
- Enable email-based OTP option
- Support for Nigeria phone number registration
- Fix sub-account functionality on iPhone
- Improve app performance and speed
- Parity between iOS and Android features
- Option to downgrade from merchant account
- Accept pending transfer functionality for business accounts
- Restore previous app version features
In-app purchases
FirstMobile App
No in-app purchases
OPay Business
No in-app purchases
Questions
Is FirstMobile App free?
Is OPay Business free?
Which has better reviews, FirstMobile App or OPay Business?
Do FirstMobile App or OPay Business have ads?
Which is updated more often, FirstMobile App or OPay Business?
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