# NBF Direct App vs HBZ

NBF Direct App and HBZ both sit at 4.4 stars, but that hides the real split: 29% of NBF Direct App's written reviews are positive against 0% of HBZ's. NBF Direct App also leads on ratings volume (141 vs 4). HBZ's advantage is iOS requirement (12.0 vs 15.6). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.4 for NBF Direct App against 4.5 for HBZ. That said, the two scores are not equally well evidenced: NBF Direct App has 141 ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 29% of NBF Direct App's written reviews are positive against 0% of HBZ's.

NBF Direct App ships an update monthly, HBZ every 3 weeks. The most recent releases landed on September 7, 2026 and September 20, 2026 respectively.

## The numbers

| Metric | NBF Direct App | HBZ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (141 ratings)](https://appshunter.io/ios/app/nbf-direct-app/id1083443149/reviews) | **[4.5 (4 ratings)](https://appshunter.io/ios/app/hbz/id1235586645/reviews)** |
| Number of ratings | **141** | 4 |
| Positive reviews | **28.6% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 279 MB | 59 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [National Bank of Fujairah](https://appshunter.io/developer/977924996) | [Habib Bank AG Zurich](https://appshunter.io/developer/1235586644) |

## What reviewers say

### NBF Direct App

[App page](https://appshunter.io/ios/app/nbf-direct-app/id1083443149)

Manage your finances on the go with this mobile banking solution. Easily check balances, pay bills, transfer funds securely, and manage your cards and beneficiaries. Features include password-less access and loan deferment requests.

**Highlights:** Enhanced dashboard for account overview, Password-less biometric login, Secure funds transfers (domestic & international), Utility bill payments, Credit card management and spending tracking, Beneficiary management, Loan deferment requests

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### HBZ

[App page](https://appshunter.io/ios/app/hbz/id1235586645)

This secure and convenient banking app offers a simplified channel for managing your finances. Access account details, transfer funds, pay bills, and even trade stocks with unified login credentials across devices. It's designed for existing customers to manage their banking needs efficiently.

**Highlights:** Unified login for all devices, Switch countries for global clients, Fund transfers (local/foreign), One-click utility bill payments, 10+ years of transaction history, Card management (lock/unlock, limits), Stock trading

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

**In-app purchases:** none


## Frequently asked questions

### Is NBF Direct App free?

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

### Is HBZ free?

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

### Which has better reviews, NBF Direct App or HBZ?

HBZ is rated higher. NBF Direct App averages 4.4 out of 5 from 141 ratings, while HBZ averages 4.5 from 4 ratings.

### Do NBF Direct App or HBZ have ads?

Neither NBF Direct App nor HBZ shows ads.

### Which is updated more often, NBF Direct App or HBZ?

NBF Direct App ships an update monthly, and HBZ every 3 weeks. Most recently, NBF Direct App was updated on September 7, 2026 and HBZ on September 20, 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.*