# FirstMobile App vs SmartGains

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.

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.

## The numbers

| Metric | FirstMobile App | SmartGains |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (2K ratings)](https://appshunter.io/ios/app/firstmobile-app/id1039809331/reviews) | **[4.0 (3 ratings)](https://appshunter.io/ios/app/smartgains/id6756178786/reviews)** |
| Number of ratings | **2K** | 3 |
| Positive reviews | 15.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 119 MB | 86 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [SMARTGAINS VENTURES](https://appshunter.io/developer/1858880785) |

## What reviewers say

### FirstMobile App

[App page](https://appshunter.io/ios/app/firstmobile-app/id1039809331)

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.

**Highlights:** Financial transactions, Non-financial transactions, DIY enrollment, Open new accounts, Register existing accounts, Digital banking experience

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent features
- 👍 Easy to navigate
- 👍 Secure
- 👍 Reliable
- 👍 Convenient

**What reviewers complain about**

- 🐛 Frequent crashes
- 🐛 Freezing issues
- 🐛 Slow performance
- 🐛 Network connection problems
- 🐛 Buggy after updates

**Reported bugs**

- 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**

- Add Face ID/fingerprint login
- Introduce theme options (dark/light mode)
- Improve account statement history
- Enable e-statement generation
- Add bulk transfer functionality


### SmartGains

[App page](https://appshunter.io/ios/app/smartgains/id6756178786)

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.

**Highlights:** Complete portfolio reporting, Historical performance tracking, Transaction statement generation, Online investment in mutual funds, SIP and STP tracking, Insurance premium reminders, Financial calculators

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is FirstMobile App free?

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

### Is SmartGains free?

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

### Which has better reviews, FirstMobile App or SmartGains?

SmartGains is rated higher. FirstMobile App averages 3.1 out of 5 from 2K ratings, while SmartGains averages 4.0 from 3 ratings.

### Do FirstMobile App or SmartGains have ads?

Neither FirstMobile App nor SmartGains shows ads.

### Which is updated more often, FirstMobile App or SmartGains?

FirstMobile App ships an update every 2 months, and SmartGains every 2 months. Most recently, FirstMobile App was updated on September 28, 2026 and SmartGains on September 1, 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.*