FirstMobile App vs SmartGains
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.
SmartGains
Manage your complete financial portfolio, including mutual funds, stocks, bonds, and insurance. Track investments, view historical performance, and generate detailed reports. Invest online and utilize various financial calculators.
- Complete portfolio reporting
- Historical performance tracking
- Transaction statement generation
- Online investment in mutual funds
- SIP and STP tracking
- Insurance premium reminders
- Financial calculators
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SmartGains is one-stop shopping for all your Financial needs.You can use this state of the art app to stay on top of your Complete Financial Portfolio with all assets: Mutual Funds Equity Shares Bonds Fixed Deposits PMS Insurance Key Features: Complete Portfolio report download including all assets. View historical Performance of your Portfolio easily Transaction statement of any period 1 Click Statement of Account Download for any Asset Management Company in India Advanced Capital Gain Reports Invest Online in any Mutual fund scheme or New Fund Offer. Track all orders till the allotment of units to keep complete transparency SIP Report to be informed of your Running and Upcoming SIPs, STPs. Insurance list to keep track of premiums to be paid. Folio details registered with each AMC. Calculators and Tools available: Retirement Calculator SIP Calculator SIP Delay Calculator SIP Step up Calculator Marriage Calculator EMI Calculator
Screenshots
Verdict
The clearest difference is rating: SmartGains at 4.0 against FirstMobile App's 3.1. FirstMobile App's advantage is ratings volume (2K vs 3). On price, update cadence, ads and in-app purchases 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.
SmartGains holds the better App Store score, 4.0 against 3.1. That said, the two scores are not equally well evidenced: FirstMobile App has 2K ratings behind it against 3, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 28, 2026 and September 1, 2026 respectively.
| Parameter | FirstMobile App | SmartGains |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (2K ratings) | 4.0 (3 ratings) — better |
| Positive reviews | 15.1% of reviews | — |
| Number of ratings | 2K — better | 3 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 16.0 |
| Further details — not scored | ||
| Size | 119 MB | 86 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | SMARTGAINS VENTURES |
Customer experience
FirstMobile App
SmartGains
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
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- Provide more login options beyond ATM card
- Improve beneficiary management
SmartGains
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FirstMobile App
No in-app purchases
SmartGains
No in-app purchases
