Comparison

NBF Direct App vs Pemo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NBF Direct App

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
Read full description

Welcome to the upgraded NBF Direct App, from National Bank of Fujairah your ultimate mobile banking solution! With enhanced features and improved functionality, managing your finances has never been easier. Check balances, pay bills, transfer funds, and more—all from the convenience of your smartphone. Here's what's new: • Enhanced Dashboard: Get a quick snapshot of your accounts, transactions, and notifications. • Improved User Interface: Enjoy a sleek, intuitive design for effortless navigation. • Password-less Access: Log in and make transfers using your device's biometrics. • Funds Transfers: Transfer money securely within your accounts, to other NBF accounts, or even internationally. • Utility Bill Payments: Pay your bills with just a few taps—no more late fees! • Cards Management: Manage your credit cards, track spending, and access various card services. • Beneficiary Management: Add and manage beneficiaries effortlessly for quick fund transfers. • Schedule Transfers: Set up automated transfers for added convenience. • Loan Deferment: Request postponement of loan repayments directly from the app. • IBAN Letter Generation: Generate IBAN letters on the go. Upgrade now and experience banking at your fingertips! Terms and conditions apply.

About

Pemo

This platform streamlines business finances by consolidating invoices, expenses, and approvals. It offers smart corporate cards, automated workflows, and real-time reporting to save time and money.

Highlights
  • Invoice management
  • Expense tracking
  • Smart corporate cards
  • Automated approval flows
  • Direct accounting integration
  • Real-time reporting
Features
Read full description

Pemo is the all-in-one spend management solution that empowers your business by packing every company invoice, expense, approval and spending decision into one powerful platform. Pemo ’s offering includes smart corporate cards, invoice payment systems and expense tracking functions. Pemo’s offering is supported by automated approval flows, direct accounting integration and real-time reporting - features that allow business owners to save time, save money, automate admin and every expense so they can get on with what you do best - building great businesses.

Screenshots

NBF Direct App4 screens
Pemo4 screens

Verdict

The call

The clearest difference is rating: NBF Direct App at 4.4 against Pemo's 3.6. NBF Direct App also leads on review sentiment (29% vs 0%) and ratings volume (141 vs 5). Pemo's advantage is update cadence (weekly vs monthly). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

NBF Direct App holds the better App Store score, 4.4 against 3.6. That said, the two scores are not equally well evidenced: NBF Direct App has 141 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 29% of NBF Direct App's written reviews are positive against 0% of Pemo's.

UpkeepUpdate frequency

NBF Direct App ships an update monthly, Pemo weekly. The most recent releases landed on October 14, 2026 and October 4, 2026 respectively.

Scorecard4 real differences · 6 level
NBF Direct App versus Pemo: the parameters behind the verdict, then further details
ParameterNBF Direct AppPemo
PriceFreeFree
Rating4.4 (141 ratings) — better3.6 (5 ratings)
Positive reviews28.6% of reviews — better0.0% of reviews
Number of ratings141 — better5
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better16.6
Further details — not scored
Size278 MB169 MB
Age rating4+4+
DeveloperNational Bank Of FujairahPayables Technology LTD

Customer experience

NBF Direct App

All ratings141 ratings
Positive83.0%
Neutral6.4%
Negative10.6%
Written reviews7 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

Pemo

All ratings5 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

NBF Direct App

No in-app purchases

None

Pemo

No in-app purchases

Questions

Is NBF Direct App free?
NBF Direct App is free to download, with no in-app purchases.
Is Pemo free?
Pemo is free to download, with no in-app purchases.
Which has better reviews, NBF Direct App or Pemo?
NBF Direct App is rated higher. NBF Direct App averages 4.4 out of 5 from 141 ratings, while Pemo averages 3.6 from 5 ratings.
Do NBF Direct App or Pemo have ads?
Neither NBF Direct App nor Pemo shows ads.
Which is updated more often, NBF Direct App or Pemo?
NBF Direct App ships an update monthly, and Pemo weekly. Most recently, NBF Direct App was updated on October 14, 2026 and Pemo on October 4, 2026.

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